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

-

-

-

✓

Benign brain or spinal cord tumour

-

-

-

✓

Coma

-

-

-

✓

Creutzfeldt-Jakob disease

-

-

-

✓

Dementia

-

-

-

✓

Encephalitis

-

-

-

✓

Idiopathic Parkinson’s disease

-

-

-

✓

Major head trauma

-

-

-

✓

Meningitis

-

-

-

✓

Motor neurone disease

-

-

-

✓

✓

Multiple sclerosis

-

-

✓

Muscular dystrophy

-

-

-

✓

Peripheral neuropathy

-

-

-

✓

✓

✓

Stroke

-

Paralysis and loss of functionality

✓

✓

Diplegia

-

-

✓

✓

Hemiplegia

-

-

✓

Loss of independent existence

-

-

-

✓

✓

Paraplegia

-

-

✓

✓

Permanent blindness

-

-

✓

Permanent loss of hearing

-

-

-

✓

Permanent loss of speech

-

-

-

✓

Permanent loss of use of limbs

-

-

-

✓

✓

Quadriplegia / Tetraplegia

-

-

Other key conditions

✓

Advanced AIDS

-

-

-

✓

Aplastic anaemia

-

-

-

✓

✓

Chronic liver failure

-

-

✓

✓

Chronic lung disease

-

-

803 TCP-LAE version 14 Effective 12 May 2026

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