Intensive Care Treatment means that an Accident or Illness has resulted in the Life Assured requiring continuous mechanical ventilation by means of tracheal intubation for at least three (3) consecutive days (24 hours per day) or to be admitted to the intensive care ward of a registered medical hospital for at least five (5) consecutive days (24 hours per day) at the recommendation of an appropriate Registered Medical Specialist. KIDNEY FAILURE Kidney Failure means end stage renal failure, which presents as chronic irreversible failure of both kidneys to function, as a result of which regular renal dialysis is initiated or renal transplantation carried out. LOSS OF INDEPENDENCE Loss of Independence means the Life Assured is constantly and permanently unable to perform at least two (2) of the Activities of Daily Living without the physical assistance of someone else (if the Life Assured can perform the activity on their own by using special equipment, We will not treat the Life Assured as unable to perform that activity). LOSS OF ONE LIMB A Benefit in respect of a Loss of one Limb 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 . LOSS OF USE OF LIMBS AND SIGHT OF ONE EYE The total and irrecoverable loss by disease or trauma of any of: • the use of both hands; or • the use of both feet; or • the use of one (1) hand and one (1) foot; or • the use of one (1) hand and the sight of one (1) eye (to the extent of 6/60 or less); or • the use of one (1) foot and the sight of one (1) eye (to the extent of 6/60 or less). MAJOR HEAD TRAUMA Major Head Trauma means an injury to the head 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 • To be constantly and permanently unable to perform at least two (2) of the Activities of Daily Living without the physical assistance of someone else (if the Life Assured can perform the activity on their own by using special equipment, We will not treat the Life Assured as unable to perform that activity). MAJOR ORGAN TRANSPLANT Major Organ Transplant means the Life Assured undergoes, or has been placed on a New Zealand or Australian waiting list approved by Us for an organ transplant
BCP-TC-05/2026
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