ENCEPHALITIS Encephalitis means the severe inflammatory disease of the brain resulting in neurological deficit causing: • At least 25% permanent whole person impairment as defined in the American Medical Association publication ‘Guides to the Evaluation of Permanent Impairment’, 6 th edition, or an equivalent guide to impairment approved by Us ; or • A total and irreversible inability to perform at least one (1) Activity of Daily Living without the assistance of another adult person. HEART ATTACK Heart Attack (myocardial infarction) means the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area. The Diagnosis must be confirmed by a cardiologist and evidenced by typical rise and/or fall of cardiac biomarker blood test (Troponin T, Troponin I or CK-MB) with at least one level above the 99 th percentile of the upper reference limit, plus: a) Acute cardiac symptoms and signs consistent with myocardial infarction; or b) New serial ECG changes with the development of any of the following: ST elevation or depression, T wave inversion, pathological Q waves or left bundle branch block (LBBB); or c) Imaging evidence of new loss of viable myocardium or new regional wall motion abnormality. If the above tests are inconclusive We will consider other appropriate and medically recognised tests.
The following are excluded:
• Other acute coronary syndromes including but not limited to angina pectoris; or • A rise in biological markers as a result of an elective percutaneous procedure for coronary artery disease. HEART VALVE REPLACEMENT A Benefit in respect of Heart Valve Replacement may be paid to You in respect of the Life Assured . Such Benefit will be limited to 25% of the Sum Assured or $75,000 whichever is the lesser. Payment of this Benefit will result in an equal reduction in the Trauma Cover Benefit under this Policy . • Heart Valve Replacement means the actual undergoing of thoracoscopic, laparoscopic, valvotomy, catheter or minimally invasive surgery to treat or repair a cardiac valve as a consequence of heart valve defects or abnormalities. Each surgery to treat or repair the cardiac valve must occur at least six (6) months after the previous cardiac surgery. Investigative or diagnostic procedures are specifically excluded. HEART VALVE SURGERY Heart Valve Surgery means the undergoing of surgery to replace or repair a cardiac valve or valves as a consequence of heart valve defects or abnormalities but does not include Angioplasty , intra-arterial procedures or other non-surgical techniques. INTENSIVE CARE TREATMENT
BCP-TC-05/2026
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