arises in condition with;
is a complication of;
results from;
is a consequence of; or
is a complication of treatment for;
a condition for which Sovereign has paid a claim under the original Comprehensive Living Assurance Benefit. Any two conditions that are both related conditions of a third condition will be treated as related conditions to each other for calculating the amount payable.
Sovereign policies
Any policy or policies where Sovereign is the insurer.
specialist
A registered medical practitioner who has an approved fellowship in one of the approved surgical, anaesthetic or traditional non- surgical colleges and who is registered with the New Zealand Medical Council. These include, but are not limited to, the following disciplines: general surgery, orthopaedic surgery, urology, neurosurgery, anaesthesiology, cardiology, endocrinology, gastroenterology, haematology, paediatrics, gynaecology, obstetrics, neurology, oncology, renal specialists and rheumatology. As defined in the ‘Guides to the Evaluation of Permanent Impairment – 4th Edition’ (or subsequent editions), produced by the American Medical Association and measured six months beyond initial diagnosis. Personal effort using the life assured ’s time and skills, whether or not income is generated for the life assured . Worked and working have similar meaning.
whole person functioning
work
you/your
The 'Policy Owner' named in the schedule .
852 TCB-LAC version 19 Effective 12 May 2026
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