definition covers any appropriately qualified medical professional approved by Us . This definition excludes any person who is himself/herself the Life Assured , the Policy Owner , the spouse, de facto spouse, Civil Union partner, lineal relative, or business partner/associate of the Life Assured or Policy Owner . Sum Assured Means the Sum Assured for the Benefit(s) as set out in Your Policy Schedule . Total Premium Means the sum of the Premium and policy fee together with any applicable GST as specified in Your Policy Schedule .
PC-TC-05/2026
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