MUSCULAR DYSTROPHY Muscular Dystrophy means the unequivocal Diagnosis by a Registered Medical Specialist of muscular dystrophy. OUT OF HOSPITAL CARDIAC ARREST Out of Hospital Cardiac Arrest means cardiac arrest that is the sudden breakdown of the heart's pumping function where it: • is due to asystole or ventricular fibrillation; and • is not associated with any clinical procedure; and • occurs outside a hospital, ambulance or other medical facility; and • is documented by: o Electrocardiographic (ECG) changes or any other appropriate diagnostic test; or o other evidence which unequivovally confirms a cardiac arrest, including but not limited to: ▪ defibrillation recorded by an Automated External Defibrillator (AED) or ambulance or hospital records; or ▪ documented administration of cardiopulmonary resuscitation (CPR) provided by an attending ambulance officer or hospital clinical staff.
Out of Hospital Cardiac Arrest requires resuscitation and treatment or investigation in a hospital.
PACEMAKER INSERTION Pacemaker Insertion means the permanent insertion of an artificial pacemaker to correct an abnormal rhythm of the heart. The abnormal rhythm of the heart must have been documented on electrocardiograph (ECG) and be available to Us . Such Benefit will be limited to 25% of the Sum Assured or $10,000, whichever is the lesser, across all policies where AIA New Zealand Limited is the insurer. The benefit is not payable if the Life Assured qualifies for a claim payment under another cardiac condition across all policies where AIA New Zealand Limited is the insurer. Payment of this Benefit will result in an equal reduction in the Trauma Cover Benefit under this Policy . PARALYSIS Paralysis means the Permanent and Total Loss of function as a result of injury to or disease of the spinal cord or brain as defined below: • Quadriplegia - loss of function of both arms and legs • Paraplegia - loss of function of both legs • Diplegia - loss of function of both sides of the body • Hemiplegia - loss of function of one side of the body PARKINSON'S DISEASE Parkinson’s Disease means unequivocal Diagnosis of Idiopathic Parkinson’s as confirmed by a Registered Medical Specialist .
BCP-TC-05/2026
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