Coma
Idiopathic Parkinson’s disease
A definite diagnosis of a state of unconsciousness resulting in the following for at least 96 hours:
The unequivocal diagnosis of Idiopathic Parkinson’s disease as confirmed by an appropriate specialist .
The life assured must have also sustained a neurological deficit causing at least 25% permanent impairment of whole person functioning or inability to perform one of the activities of daily living . The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Personal Sovereign policies for the life assured .
a documented Glasgow Coma Score of 7 or less; and
the use of a life-support system.
The life assured must have also sustained a neurological deficit causing at least 25% permanent impairment of whole person functioning or inability to perform one of the activities of daily living . Coma arising from drug and alcohol abuse is specifically excluded. The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Personal Sovereign policies for the life assured .
Major head trauma
An accidental cerebral injury diagnosed by an appropriate specialist approved by Sovereign.
Creutzfeldt-Jakob disease
The life assured must have also sustained a neurological deficit causing at least 25% permanent impairment of whole person functioning or inability to perform one of the activities of daily living . Major head trauma arising from drug and alcohol abuse is specifically excluded. The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Personal Sovereign policies for the life assured .
The diagnosis of Creutzfeldt-Jakob disease confirmed by an appropriate specialist neurologist. The life assured must exhibit signs and symptoms of cerebellar dysfunction, severe progressive dementia, uncontrolled muscle spasm, tremor and athetosis, resulting in the life assured requiring permanent and continual medical supervision. The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Personal Sovereign policies for the life assured .
Meningitis
The diagnosis of meningitis by an appropriate specialist approved by Sovereign. The life assured must have also sustained a neurological deficit causing at least 25% permanent impairment of whole person functioning or inability to perform one of the activities of daily living . The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Personal Sovereign policies for the life assured .
Dementia
The unequivocal diagnosis of dementia. The diagnosis must confirm permanent irreversible failure of brain function and result in significant cognitive impairment for which no other cause has been identified. Significant cognitive impairment means a deterioration or loss of intellectual capacity that results in a requirement for continual supervision to protect the life assured or others. The diagnosis is confirmed by an appropriate specialist in psycho geriatrics, 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 .
Motor neurone disease
The unequivocal diagnosis of motor neurone disease diagnosed by an appropriate specialist approved by Sovereign. The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Personal Sovereign policies for the life assured .
Encephalitis
The unequivocal diagnosis of severe inflammatory disease of the brain diagnosed by an appropriate specialist approved by Sovereign. The life assured must have also sustained a neurological deficit causing at least 25% permanent impairment of whole person functioning or inability to perform one of the activities of daily living . The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Personal Sovereign policies for the life assured .
Multiple sclerosis
The unequivocal diagnosis of multiple sclerosis as confirmed by an appropriate medical specialist .
Multiple sclerosis means a disease characterised by demyelination in the brain and/or spinal cord. There must be more than one episode of well-defined neurological deficit with persisting neurological abnormalities.
803 TCP-LAE version 14 Effective 12 May 2026
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