21. Key terms
or other surgical appliance.
Feeding/eating - The ability to eat independently once food has been prepared and made available. Continence - The ability to manage bowel and bladder functions such that an adequate level of personal hygiene can be maintained. Mobility - The ability to move independently between indoor rooms on a level surface with the assistance of a walking aid, including a wheelchair. Transferring - The ability to independently transfer from the bed to a chair with the assistance of a walking aid.
Injury caused by violent, accidental, external and visible means.
accident
accidental death
Death which is the result of external or internal bodily injury caused directly by violent external visible means, not attributable to any other event. Either an Adviser with a current financial adviser agreement with Sovereign Services Limited or a member of a financial
accredited Adviser
services industry body approved by Sovereign.
activities of daily living
The total and irreversible disablement of the life assured with the effect that he or she is unable to perform without the physical assistance of someone else, at least one of the following activities for himself or herself (if the life assured can perform the activity on his or her own by using special equipment Sovereign will treat the life assured as being able to perform that activity):
category
One of five categories of conditions as set out in the Schedule of Categories below.
child/children
Any biological child/children, adopted child/children or child/children under the legal guardianship of:
A life assured ; or
Bathing and showering;
The spouse, civil or de facto partner of a life assured .
Dressing and undressing;
Eating and drinking;
claim event date
The date the medical treatment or event occurred, or the date the condition was diagnosed by a specialist . A relative who is the life assured 's spouse, civil or de facto partner, mother, father, step mother, step father, brother, sister, step brother, step sister, child , grandfather or grandmother.
Using a toilet;
Moving from place to place by walking, in a wheelchair, or with a walking aid.
close relative
annual salary
Regular remuneration that is subject to PAYE, excluding allowances in lieu of non- monetary remuneration and extra income such as, but not limited to, bonuses and overtime payments. The amount of the sum assured remaining under each category after deduction of all claim payments already made under that category to date. Washing - The ability to wash oneself without physical assistance or supervision. This includes transferring in and out of the bath or shower.
condition(s)
Any:
balance of the sum assured
medical treatment;
event; or
illness as diagnosed by a specialist
basic activity of daily living
that exactly matches one of the definitions listed in any of the five Schedules of Categories attached to this appendix .
congenital condition
A health anomaly or defect, regardless of whether diagnosed or not:
Dressing - The ability to independently put on or take off
all garments, including the securing and unfastening
which is present at birth; and
thereof. Where appropriate, this includes any braces, prosthesis
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866 TCB-PC version 12 Effective 12 May 2026
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