from a human donor to the Life Assured for one or more of the following organs: • Kidney • Heart • Lung • Liver • Pancreas • Small bowel • The transplant of bone marrow. • The transplantation of all other organs or parts of any organ or of any other tissue is excluded. A transplant must be considered medically necessary and the condition affecting the organ deemed untreatable by any means other than organ transplant, as confirmed by a Registered Medical Specialist . MALIGNANT MELANOMA A Benefit in respect of Malignant Melanoma will 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 . Malignant Melanoma means a malignant melanoma that is determined by histological examination to be: • less than 1.0mm maximum thickness as measured using the Breslow method; and • less than Clark Level 3 depth of invasion; and • showing no evidence of ulceration. MENINGITIS AND/OR MENINGOCOCCAL DISEASE Meningitis and/or Meningococcal Disease means the unequivocal diagnosis of Meningitis and/or meningococcal disease including meningococcal septicaemia causing either: • A 25% impairment of whole person function that is permanent; or • The total and irreversible inability to perform at least one (1) of the Activities of Daily Living without the assistance of another adult person. MOTOR NEURONE DISEASE Motor Neurone Disease means the unequivocal diagnosis of a progressive form of debilitating motor neurone disease, as confirmed by a Registered Medical Specialist who is a consultant neurologist. MULTIPLE SCLEROSIS Multiple Sclerosis means a disease characterised by demyelination in the brain and spinal cord. Multiple Sclerosis must be unequivocally Diagnosed by a Registered Medical Specialist. There must be more than one (1) episode of well-defined neurological deficit with persisting neurological abnormalities. Neurological investigations such as lumbar puncture, MRI (Magnetic Resonance Imaging) evidence of lesions in the central nervous system, evoked visual responses, and evoked auditory responses are required to confirm.
BCP-TC-05/2026
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