least Class 3 of the New York Heart Association classification of cardiac impairment.
Out-of-hospital cardiac arrest
Cardiac arrest not associated with any medical procedure that occurs out of hospital, and is due to cardiac asystole, or ventricular fibrillation with or without ventricular tachycardia, documented by:
The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Personal Sovereign policies for the life assured .
an electrocardiogram (ECG), or any other appropriate diagnostic test; or
Coronary artery bypass surgery
Medically necessary surgery to correct the narrowing of, or blockage to, one or more coronary arteries by means of a bypass graft.
other evidence which unequivocally confirms a cardiac arrest, including but not limited to:
− defibrillation recorded by an Automated External Defibrillator (AED) or ambulance or hospital medical records; or − documented administration of cardiopulmonary resuscitation (CPR) provided by an attending ambulance officer or hospital clinical staff. The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Personal Sovereign policies for the life assured .
Heart attack
The death of a portion of the heart muscle (myocardium) as a result of inadequate blood supply to the relevant area, confirmed by a cardiologist or general physician and evidenced by: Typical rise and/or fall of cardiac biomarkers with at least one value above the 99 th percentile of the upper reference limit and at least one of the following:
Signs and symptoms of ischaemia which are consistent with myocardial infarction; or
Pulmonary hypertension
Primary pulmonary hypertension with substantial right ventricular enlargement resulting in permanent and irreversible physical impairment to the degree of at least Class 3 of the New York Heart Association classification of cardiac impairment. The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Personal Sovereign policies for the life assured .
Confirmatory new (or presumed new) ECG changes associated with myocardial infarction with the development of any one of the following:
ST changes;
−
T wave inversion;
−
Left bundle branch block (LBBB);
−
Pathological Q waves; or
−
Major neurological disease
Imaging evidence of new loss of viable myocardium or new regional wall motion abnormality.
Alzheimer’s disease
A rise in cardiac biomarkers resulting from a percutaneous procedure for coronary artery disease is excluded unless the baseline value is normal and the elevation is greater than 5 times the 99 th percentile of the upper reference limit. If the above evidence is inconclusive or superseded by technological advances, we will consider other appropriate and medically recognised tests that unequivocally diagnose that a myocardial infarction of the degree of severity or greater as outlined above has occurred.
The unequivocal diagnosis of Alzheimer’s disease, which must confirm permanent irreversible failure of brain function. The diagnosis is confirmed by an appropriate specialist in psychogeriatrics, psychiatry, neurology or geriatrics. The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Personal Sovereign policies for the life assured .
Benign brain or spinal cord tumour
Other acute coronary syndromes including but not limited to angina pectoris are excluded.
A benign tumour of the brain or spinal cord where it is deemed appropriate and medically necessary to be:
Heart valve surgery
treated using major interventional treatment necessary for the therapeutic management of the tumour; or
The undergoing of heart valve surgery performed to replace or repair one or more heart valves that cannot be repaired by intra-arterial procedures. The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Personal Sovereign policies for the life assured .
removed through surgery (whether it is able to be removed or not).
The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Personal Sovereign policies for the life assured .
803 TCP-LAE version 14 Effective 12 May 2026
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