Optional Children’s and Maternity Benefit (Section 14)
Built-in Children’s Trauma Benefit (Section 4)
90 day stand down period
Full payment
Partial payment
✓
✓
Intensive care
✓
✓
-
(partial payment unavailable)
(partial payment unavailable)
Major transplant surgery
✓
✓
✓
-
-
Pneumonectomy
✓
✓
✓
-
-
✓
✓
Severe burns
✓
✓
-
(partial payment unavailable)
(partial payment unavailable)
Severe Crohn’s disease
✓
✓
-
-
-
Severe illness or injury
✓
✓
✓
✓
-
Severe osteoporosis
✓
✓
-
-
-
Severe rheumatoid arthritis
✓
✓
-
-
-
Severe ulcerative colitis
✓
✓
-
-
-
Systemic lupus erythematosus with lupus nephritis
✓
✓
✓
-
-
Systemic sclerosis
✓
✓
✓
-
-
Terminal illness
✓
✓
✓
-
-
Optional condition
Total Permanent Disablement
✓
-
-
-
-
(Refer to Section 20 for a full description of these conditions .)
If you receive a full payment claim for a life assured under this Comprehensive Living Assurance Benefit, cover will cease for that life assured .
If you receive a partial payment of this Comprehensive Living Assurance Benefit for a life assured , cover will continue for that life assured with the sum assured being reduced by the amount of the partial payment amount. The premium will reduce with the reduction in sum assured.
If the life assured suffers more than one condition (including the Optional Total Permanent Disablement condition ), Sovereign will pay a maximum of the Comprehensive Living Assurance Benefit sum assured for all claims (in total).
852 TCB-LAC version 19 Effective 12 May 2026
Page 4 of 27
Powered by FlippingBook