conditions that are deemed to be related conditions of other conditions . The list is not exhaustive. Means mental deterioration and loss of intellectual ability, evidenced by deterioration in memory, orientation and reasoning, which are measurable and result from demonstrable organic cause as diagnosed by a specialist . The degree of cognitive impairment must be sufficiently severe to require a minimum of 16 hours of daily supervision by a nursing service approved by us. Determination of a cognitive impairment will be made on the basis of clinical data and valid standardised measures of such impairments.
sum assured
The ‘Sum Assured’ shown in the schedule for the Progressive Care Benefit. This includes any increase by the consumers price index if your benefit indexation type is specified in the schedule as CPI Linked. As defined in the ‘Guides to the Evaluation of Permanent Impairment – 4th Edition’ (or subsequent editions), produced by the American Medical Association and measured six months beyond initial diagnosis. Personal effort using the life assured ’s time and skills, whether or not income is generated for the life assured . Worked and working have similar meaning.
significant cognitive impairment
whole person functioning
work
Sovereign policies
Any policy or policies where Sovereign is the insurer.
you/your
The 'Policy Owner' named in the schedule .
specialist
A registered medical practitioner who has an approved fellowship in one of the approved surgical, anaesthetic or traditional non- surgical colleges and who is registered with the New Zealand Medical Council. These include, but are not limited to, the following disciplines: general surgery, orthopaedic surgery, urology, neurosurgery, anaesthesiology, cardiology, endocrinology, gastroenterology, haematology, paediatrics, gynaecology, obstetrics, neurology, oncology, renal specialists and rheumatology.
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866 TCB-PC version 12 Effective 12 May 2026
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