Or
B
COGNITIVE IMPAIRMENT The permanent loss of cognitive function due to a permanent, irreversible injury or illness of the brain including at least two (2) or more of the following permanent impairments: • disorientation in time and place • Mini-mental score of less that twenty (20) out of thirty (30) or equivalent test • requires assistance with two (2) or more Activities of Daily Living defined above;
Or
The entire and irrecoverable loss of the sight of both eyes;
C
Or
The complete, total and irrecoverable functional loss, as supported by medical evidence, of: • both hands; or • both feet; or • one hand and one foot.
D
PARTIAL DISABILITY
3
A Means the Life Assured has suffered: The entire and irrecoverable loss of the sight in one (1) eye; or B The complete and permanent loss of use of one (1) limb (limb being whole hand or whole foot). The Partial Disability must be supported by an appropriate Diagnosis from a Medical Practitioner and evidence acceptable to Us . The occupation, business or Employment which the Life Assured was engaged in immediately before the Injury or Illness, and from which he or she was remunerated. The Mini-mental (MMSE) is a brief, quantitative measure of cognitive status in adults. It can be used to screen for cognitive impairment, to estimate the severity of cognitive impairment at a given point in time, to follow the course of cognitive changes in an individual over time, and to document an individual’s response to treatment.
EMPLOYMENT AND/OR USUAL OCCUPATION
4
MINI-MENTAL
5
(INSIGHT 35.0.0) – May 2019 (Updated August 2019) (Updated May 2026)
BCP-TPD-05/2026
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