claimed medical condition including but not limited to:
defects inherited or due to external environmental factors such as drugs, alcohol, or complications during pregnancy or delivery. The later of the effective date or the actual date from which we receive the increased premium for the Life Cover Benefit and Accelerated Comprehensive Living Assurance Benefit cover. Care for 16 hours per day or more, provided by a nursing service approved by Sovereign whose profession it is to provide nursing services. Working to generate income through personal efforts by using the life assured ’s time and skills. He or she can be self-employed, employed, earning fees, under contract, receiving commissions, working on contract or otherwise remunerated for his or her efforts. A specially staffed and equipped section of an intensive care complex that provides a level of care intermediate between intensive care and general ward care. Patients may be admitted to the high dependency unit: from the intensive care unit
treatment
stereotactic radiosurgery, laser therapy, ultrasonic aspiration, chemotherapy, or radiotherapy. Pharmaceutical therapies administered outside of a clinical setting are excluded. An invasive procedure occurring in a hospital operating theatre involving the incision, excision, manipulation, or suturing of tissue, under general anaesthesia, spinal anaesthesia, or epidural. Elective cosmetic procedures are excluded. A service or supply provided by a registered medical practitioner or specialist that Sovereign deems on reasonable grounds is necessary for the treatment of the disease, illness, or injury involved. Under no circumstances shall the following services or supplies be considered medically necessary:
date of conversion
major invasive surgery
full-time care
medically necessary
gainful employment
high dependency unit
Those services or supplies that do not require the skills or services of a registered medical practitioner or specialist ; and Those services or supplies provided mainly for the comfort or convenience of the life assured .
as a step-down prior to transfer to the ward, or directly from the ward, recovery or emergency areas.
pre-existing condition
Any disease or medical condition for which, prior to becoming covered under this policy, the individual consulted a registered medical practitioner , received treatment or services from a r egistered medical practitioner , or took prescribed drugs and medicines. Any condition that Sovereign, in its sole discretion, deems to be directly or indirectly related to a previous claim's condition . This includes: (a) any condition that shows any increase in severity level of the same condition , and
life assured
A ‘Life Assured’ named in the schedule
An arm, leg, hand or foot. In respect of this definition:
limb(s)
the arm starts from the shoulder joint and ends at the wrist joint;
related condition
the hand starts from the wrist joint;
the leg starts from the hip joint and ends at the ankle joint; and
the foot starts from the ankle joint.
Non-surgical procedures or treatments initiated to treat the
major interventional
(b) any condition that:
852 TCB-LAC version 19 Effective 12 May 2026
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