Category
Conditions
3 month stand down
Pacemaker insertion
✓
Minor heart valve surgery
✓
Cardiomyopathy
Severe congestive cardiac failure
Severe peripheral vascular disease
Any stroke
✓
Any Dementia and Alzheimer’s disease
Any Parkinson’s disease
Major head trauma
Motor neurone disease
Brain and nerves
Any multiple sclerosis
✓
Any muscular dystrophy
Encephalitis
Meningitis
Peripheral neuropathy
Cerebral Aneurysm
✓
Coma
Paralysis - Diplegia and Hemiplegia
Loss of independent existence
Severe burns/Major burns/Serious burns
✓
Any Loss of sight
Loss of sight in one eye and one limb
Loss of function
Any Loss of hearing
Loss of speech
Loss of limbs
Intensive Care Benefit
Paraplegia/Quadriplegia/Tetraplegia
Optional Total Permanent Disablement condition
Other health conditions
✓
Chronic liver failure
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866 TCB-PC version 12 Effective 12 May 2026
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