PULMONARY ARTERIAL HYPERTENSION (PRIMARY) Pulmonary Arterial Hypertension (Primary ) means primary idiopathic pulmonary hypertension associated with right ventricular enlargement established by cardiac catheterisation. RHEUMATOID ARTHRITIS A Benefit in respect of Rheumatoid Arthritis 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 . Rheumatoid Arthritis means the unequivocal Diagnosis of severe Rheumatoid Arthritis by an appropriate Registered Medical Specialist . The Diagnosis must confirm all of the following: • Morning stiffness of the joints; and • Swelling and pain in the joints of at least three (3) joint groups, involving the corresponding joints in both sides of the body. One (1) of these groups must be joints on the fingers or toes, the knuckles of the hand or the wrist; and • Small nodular swelling beneath the skin; and • A positive rheumatoid factor test or serological markers consistent with the Diagnosis of severe rheumatoid arthritis; and • X-ray evidence showing multiple and extensive changes to joints typical of rheumatoid arthritis. SERIOUS BURNS Serious burns means full thickness burns to: • Both hands, requiring surgical debridement and grafting; or • The face, requiring surgical debridement and grafting. 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 . SEVERE BURNS Severe Burns means full thickness burns to at least: • 20% of the body surface as measured by the The Rule of Nine or the Lund and Browder Surface Chart; or • 25% of the face requiring surgical debridement and/or grafting; or • 50% of the total combined area of both hands requiring surgical debridement and/or grafting. SEVERE INFLAMMATORY BOWEL DISEASE Severe Inflammatory Bowel Disease means a Diagnosis of Crohns disease and/or ulcerative colitis by an appropriate Registered Medical Specialist that has failed conventional medical intervention and requires indefinite immunosuppressive therapy or surgical removal of the complete bowel.
BCP-TC-05/2026
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