TCM Personal Progressive Care Policy Wording

Category

Conditions

3 month stand down

✓

Any Loss of sight

Loss of sight in one eye and one limb

Any Loss of hearing

Loss of speech

Loss of limbs

Intensive Care Benefit

Paraplegia/Quadriplegia/Tetraplegia

Optional Total Permanent Disablement condition

✓

Chronic liver failure

✓

Chronic lung failure

✓

Chronic kidney failure

Primary pulmonary hypertension

Major organ transplant (or transplant waiting list)

Acute renal dialysis

✓

Chronic Obstructive Pulmonary Disease

✓

Removal of large bowel

✓

Severe osteoporosis

✓

Severe rheumatoid arthritis

Other health conditions

✓

Severe ulcerative colitis

✓

Severe Crohn’s disease

Advanced Type 1 diabetes

✓

Type 1 diabetes

✓

Advanced Type 2 diabetes

HIV & Advanced AIDS

Pneumonectomy

Systemic sclerosis

Systemic lupus erythematosus with lupus nephritis

✓

Severe illness or injury

818 TCP-PC version 12 Effective 12 May 2026

Page 4 of 34

Powered by