TCM Personal Essential Living Assurance Policy Wording

90 day stand down period

Full Payment

Partial payment

Children’s Trauma Benefit

Major neurological disease

Alzheimer’s disease

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-

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Benign brain or spinal cord tumour

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-

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Coma

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-

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Creutzfeldt-Jakob disease

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-

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Dementia

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-

-

Encephalitis

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-

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Idiopathic Parkinson’s disease

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Major head trauma

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-

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Meningitis

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Motor neurone disease

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-

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Multiple sclerosis

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Muscular dystrophy

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-

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Peripheral neuropathy

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-

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Stroke

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Paralysis and loss of functionality

Diplegia

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Hemiplegia

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Loss of independent existence

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-

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Paraplegia

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Permanent blindness

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Permanent loss of hearing

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-

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Permanent loss of speech

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-

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Permanent loss of use of limbs

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-

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Quadriplegia / Tetraplegia

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Other key conditions

Advanced AIDS

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-

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Aplastic anaemia

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-

-

Chronic liver failure

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Chronic lung disease

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803 TCP-LAE version 14 Effective 12 May 2026

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