TCM Personal Progressive Care Policy Wording

Category

Conditions

3 month stand down

✓

Any heart attack

Out of hospital cardiac arrest

✓

Coronary artery bypass graft

✓

Angioplasty

✓

Aortic surgery

✓

Heart and arteries

Heart valve surgery

✓

Defibrillator insertion

✓

Pacemaker insertion

✓

Minor heart valve surgery

Cardiomyopathy

Severe congestive cardiac failure

Severe peripheral vascular disease

✓

Any stroke

Any Dementia and Alzheimer’s disease

Any Parkinson’s disease

Major head trauma

Motor neurone disease

Brain and nerves

✓

Any multiple sclerosis

Any muscular dystrophy

Encephalitis

Meningitis

Peripheral neuropathy

✓

Cerebral Aneurysm

Coma

Paralysis - Diplegia and Hemiplegia

Loss of function

Loss of independent existence

Severe burns/Major burns/Serious burns

818 TCP-PC version 12 Effective 12 May 2026

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