Stroke
Permanent blindness
A cerebrovascular event producing neurological deficit. This requires clear evidence on CT, MRI (Magnetic Resonance Imaging) or similar appropriate scan or investigation that a stroke has occurred. This requires evidence of:
Full payment
Irrecoverable loss of sight of both eyes as a result of sickness or injury. This is evidenced by:
infarction of brain tissue; or
visual acuity on the Snellan Scale after correction by suitable lenses is less than 6/60 in both eyes; or
intracranial or subarachnoid haemorrhage.
Excluded from this definition are transient ischaemic attacks (TIA), cerebral symptoms due to migraine, cerebral injury from trauma or hypoxia and vascular disease affecting the eye, optic nerve or vestibular functions.
field of vision is reduced to 20 degrees or less of arc in the better eye; or
a combination of visual defects resulting in the same degree of visual impairment as either of the points above.
Paralysis and loss of functionality
Partial payment
The life assured has suffered or undergone one of the following conditions :
Irrecoverable loss of sight in one eye as a result of sickness or injury. This is evidenced by: visual acuity on the Snellan Scale after correction by suitable lenses is less than 6/60 in that eye; or field of vision is reduced to 20 degrees or less of arc; or a combination of visual defects resulting in the same degree of visual impairment as either of the points above. The benefit payable is 25% of the sum assured to a maximum of $100,000 across all Business Sovereign policies for the life assured . Only one claim can be made for this partial payment per life assured .
Diplegia
Total and permanent loss of function of both arms or both legs due to injury or disease of the spinal cord.
Hemiplegia
Total and permanent loss of function of one side of the body due to brain injury or disease.
Loss of independent existence
The life assured is totally and irreversibly disabled, with the effect that he or she is unable, as a result of sickness or injury, to perform without the physical assistance of someone else at least two of the following activities for himself or herself (if the life assured can perform the activity on his or her own by using special equipment Sovereign will treat the life assured as being able to perform that activity):
Permanent loss of hearing
Full payment
Bathing and showering.
The life assured , as a result of sickness or injury, suffers severe hearing impairment in both ears, whether aided or unaided, resulting in an average hearing threshold in both ears of 91db or greater as measured at 500, 1000 and 1500 Hz. The loss of hearing must be total and permanent.
Dressing and undressing.
Eating and drinking.
Using a toilet.
Moving from place to place by walking, in a wheelchair, or with a walking aid.
Partial payment
Alternatively, the life assured is unable to perform one of the above and his or her intellectual capacity has reduced or deteriorated to such an extent that the life assured requires full-time care .
The life assured , as a result of sickness or injury suffers severe hearing impairment in one ear, whether aided or unaided, resulting in an average hearing threshold in one ear of 91db or greater as measured at 500, 1000 and 1500 Hz. The loss of hearing must be total and permanent. The benefit payable is 25% of the sum assured to a maximum of $75,000 across all Business Sovereign policies . Only one claim can be made for this partial payment per life assured .
Paraplegia
Total and permanent loss of function of both legs due to injury or disease of the spinal cord.
852 TCB-LAC version 19 Effective 12 May 2026
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