Dementia
Idiopathic Parkinson’s disease
The unequivocal diagnosis of Idiopathic Parkinson’s disease as confirmed by an appropriate specialist.
Full payment
The unequivocal diagnosis of dementia. The diagnosis must confirm permanent irreversible failure of brain function and result in significant cognitive impairment for which no other cause has been identified. Significant cognitive impairment means a deterioration or loss of intellectual capacity that results in a requirement for continual supervision to protect the life assured or others. The diagnosis is confirmed by an appropriate specialist in psychogeriatrics, psychiatry, neurology or geriatrics.
Major head trauma
An accidental cerebral injury diagnosed by an appropriate specialist approved by Sovereign.
The life assured must have also sustained a neurological deficit causing at least 25% permanent impairment of whole person functioning or inability to perform one of the activities of daily living . Major head trauma arising from drug and alcohol abuse is specifically excluded.
Meningitis
Partial payment
The diagnosis of meningitis by an appropriate specialist approved by Sovereign.
The unequivocal diagnosis of dementia. The diagnosis must confirm permanent irreversible failure of brain function. The diagnosis is confirmed by an appropriate specialist in psychogeriatric, psychiatry, neurology or geriatrics.
The life assured must have also sustained a neurological deficit causing at least 25% permanent impairment of whole person functioning or inability to perform one of the activities of daily living .
The benefit payable is:
25% of the sum assured to a maximum of $75,000 across all Business Sovereign policies for the life assured if the unequivocal diagnosis occurs before the life assured is 60 years of age; or 25% of the sum assured to a maximum of $10,000 across all Business Sovereign policies for the life assured if the unequivocal diagnosis occurs after the life assured is 60 years of age.
Motor neurone disease
The unequivocal diagnosis of motor neurone disease diagnosed by an appropriate specialist approved by Sovereign.
Multiple sclerosis
The unequivocal diagnosis of multiple sclerosis as confirmed by an appropriate medical specialist .
Multiple sclerosis means a disease characterised by demyelination in the brain and/or spinal cord. There must be more than one episode of well-defined neurological deficit with persisting neurological abnormalities. Neurological investigations such as lumbar puncture, MRI (Magnetic Resonance Imaging) evidence of lesions in the central nervous system, evoked visual responses, and evoked auditory responses are required to confirm diagnosis.
Encephalitis
Full payment
The unequivocal diagnosis of severe inflammatory disease of the brain diagnosed by an appropriate specialist approved by Sovereign. The life assured must have also sustained a neurological deficit causing at least 25% permanent impairment of whole person functioning or inability to perform one of the activities of daily living .
Muscular dystrophy
The unequivocal diagnosis of muscular dystrophy diagnosed by an appropriate medical specialist approved by Sovereign.
Partial payment
Peripheral neuropathy
The unequivocal diagnosis of severe inflammatory disease of the brain diagnosed by an appropriate specialist approved by Sovereign. Encephalitis arising from drug and alcohol abuse is specifically excluded. The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Business Sovereign policies for the life assured .
Irreversible inflammation or degradation of a peripheral nerve, diagnosed by an appropriate specialist approved by Sovereign. The life assured must have also sustained a neurological deficit causing at least 25% permanent impairment of whole person functioning or inability to perform one of the activities of daily living .
852 TCB-LAC version 19 Effective 12 May 2026
Page 17 of 27
Powered by FlippingBook