with the effect that he or she is unable to perform without assistance at least one of the following activities of daily living for himself or herself:
Motor neurone disease
The unequivocal diagnosis of motor neurone disease diagnosed by an appropriate specialist approved by Sovereign.
Bathing and showering.
Dressing and undressing.
Multiple sclerosis
Eating and drinking.
The unequivocal diagnosis of multiple sclerosis confirmed by CT or MRI scans. A single episode of multiple sclerosis from which full remission has occurred will not be covered under this appendix .
Using a toilet.
Moving from place to place by walking, in a wheelchair, or with a walking aid.
Muscular dystrophy
Any of the following conditions caused by alcohol or drug abuse are specifically excluded.
The unequivocal diagnosis of muscular dystrophy diagnosed by an appropriate specialist approved by Sovereign.
Alzheimer’s disease and Dementia
Peripheral neuropathy
The unequivocal d iagnosis of Alzheimer’s disease or other 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 psychogeriatrics, psychiatry, neurology or geriatrics. Dementia as the result of alcohol or drug abuse is specifically excluded.
Irreversible inflammation or degradation of a peripheral nerve diagnosed by an appropriate specialist approved by Sovereign.
Stroke
A cerebrovascular event producing neurological deficit. This requires clear evidence on CT, MRI or similar appropriate scan or investigation that a stroke has occurred.
This requires evidence of:
infarction of brain tissue; or
intracranial or subarachnoid haemorrhage.
Benign brain tumour
Excluded from this definition are transient ischaemic attacks (TIA), reversible neurological deficit (RND), cerebral symptoms due to migraine, cerebral injury from trauma or hypoxia and vascular disease affecting the eye, optic nerve or vestibular functions.
A benign intracranial tumour which cannot be removed by surgery, or growth arrested by other available techniques.
Coma
A state of unconsciousness with no reaction to stimuli or internal needs, persisting continuously for at least 96 hours, requiring the use of life-support systems.
Paralyses and Loss of functionality
Diplegia
Creutzfeldt-Jakob disease
Total and permanent loss of function of both arms or both legs due to injury or disease of the spinal cord.
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.
Hemiplegia
Total and permanent loss of function of one side of the body due to brain injury or disease.
Loss of independent existence
Encephalitis
The life assured is totally and irreversibly disabled, with the effect that he or she is unable, as a result of sickness or injury, to perform without assistance at least two of the following activities for himself or herself (if the life assured can perform the activity on his or her own by using special equipment Sovereign will treat the life assured as being able to perform that activity):
Severe inflammatory disease of the brain diagnosed by an appropriate specialist approved by Sovereign.
Idiopathic Parkinson’s disease
The unequivocal diagnosis of idiopathic Parkinson’s disease where the condition cannot be controlled by medication and shows signs of progressive impairment.
Bathing and showering.
Major head trauma
Dressing and undressing.
An accidental cerebral injury diagnosed by an appropriate specialist approved by Sovereign.
Eating and drinking.
Using a toilet.
Moving from place to place by walking, in a wheelchair, or with a walking aid.
Meningitis
The diagnosis of meningitis diagnosed by an appropriate specialist approved by Sovereign.
Alternatively, the life assured is unable to perform one of the
809 TCP-EDI version 6 Effective 21 May 2019
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