Advance Payment will be made on the unequivocal Diagnosis of irreversible Chronic Liver Failure by an appropriate Registered Medical Specialist . CHRONIC LUNG DISEASE Chronic Lung Disease means irreversible chronic lung disease as confirmed by a Registered Medical Specialist on the basis of respiratory function tests and which satisfies any one of the following criteria: • Type I respiratory failure defined as O2 <60mm hg; or
• Type 2 respiratory failure defined as CO2 >45mm hg; or
• the provision of home oxygen therapy according to clinical practice guidelines for hypoxia O2 <55mm hg (or 60mm hg in the presence of pulmonary hypertension); or
FEV1 <35% predicted; or
•
• DLCO (diffusing capacity or gas transfer) < 40% predicted; or As a result of Chronic Lung Disease the total and irreversible inability of the Life Assured to perform at least one (1) of the Activities of Daily Living without the assistance of another adult person as certified by an appropriate Registered Medical Specialist. COGNITIVE IMPAIRMENT Cognitive Impairment means a permanent deterioration or loss of intellectual capacity that requires the Life Assured to be under continual care and supervision by someone else for at least four (4) hours per day, as certified by an appropriate Registered Medical Specialist . COMA Coma means a definite Diagnosis of a state of unconsciousness resulting in the following for at least 72 hours: • A documented Glasgow Coma Score of 7 or less; and • The use of a life support system. Coma as a result of alcohol, drug or substance abuse is excluded. CORONARY ARTERY BYPASS SURGERY Coronary Artery Bypass Surgery means the actual undergoing of surgery to correct the narrowing or blockage of one (1) or more coronary arteries with bypass grafts for the first time, due to disease of those arteries. The operation must be considered necessary by a Specialist Cardiologist. Non-surgical techniques such as Angioplasty , catheter based techniques, laser or other intra-arterial procedures are excluded. CREUTZFELDT-JAKOB DISEASE Means the unequivocal Diagnosis of Creutzfeldt-Jakob Disease by an appropriate Registered Medical Specialist , with signs and symptoms of cerebellar dysfunction, severe progressive dementia, uncontrolled muscle spasm, tremor and athetosis resulting in the requirement for permanent and continual medical supervision.
BCP-TC-05/2026
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