This requirement applies to all added cover from the date the cover commences, including cover added using the Built-in Trauma Cover Benefit or the Special Events Increase option. Cleft Palate means fissure of the palate at birth associated with possible separation of the lip extending into the nose. Clefts can occur on one or both sides of the upper lip. The Benefit will only be paid for those cases with cleft palate, or cleft lip and palate. No Benefit is payable for cleft lip alone. Down’s Syndrome means genetic disorder caused by trisomy of chromosome twenty one (21). Diagnosis must be confirmed through a confirmatory blood test evidencing the disorder. Spina Bifida means congenital defective closure of the bone encasement of the spinal cord through which the cord and meninges may or may not protrude. Only Spina Bifida associated with a meningeal cyst (meningocele) or a cyst containing both meninges and spinal cord (meningomyelocele) or only spinal cord (myelocele) shall be covered. Total Blindness means visual impairment in both eyes (whether reversible or irreversible) evidenced by: • visual acuity of 6/36 or less in both eyes; • field of vision reduced to 10 degrees or less of arc in the better eye; • a combination of visual defects resulting in the same degree of visual impairment as either of the points above; or • other evidence from a Registered Medical Specialist or a specialist acceptable to AIA New Zealand that confirms that the above requirements are likely to be satisfied. Limb(s) means an arm, leg, hand or foot. In respect of this definition: • the arm starts from the shoulder joint and ends at the wrist joint; • the hand starts from the wrist joint; • the leg starts from the hip joint and ends at the ankle joint; • the foot starts from the ankle joint. Tetralogy of Fallot means a congenital abnormality of the heart with severe or total right ventricular outflow tract obstruction and a ventricular septal defect. The diagnosis must be confirmed by an appropriate Registered Medical Specialist and supported by an echocardiogram and must require surgical repair. Transposition of Great Vessels means the complete transposition of the aorta and pulmonary artery. The diagnosis must be confirmed by an appropriate Registered Medical Specialist and supported by an echocardiogram and must require surgical repair.
Deafness means a congenital hearing impairment in both
PC-TC-05/2026
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