6.
Key terms
permanent total blindness
Irrecoverable loss of the sight of both eyes (whether aided or unaided). This is evidenced by:
accidental injury
Bodily injury caused solely, suddenly and directly by violent, accidental, external and visible means.
visual acuity of 6/36 or less in both eyes; or field of vision reduced to 10 degrees or less of arc in the better eye; or a combination of visual defects resulting in the same degree of visual impairment as either of the points above.
fracture
The disruption in continuity of bone, with or without displacement.
general anaesthesia
The induction of a state of unconsciousness with the absence of pain sensation over the entire body, through the administration of anaesthetic drugs. Means a registered medical practitioner has certified that, as part of the recommended medical treatment for that fracture , the life assured requires a:
immobilisation
permanent total loss of hearing
The life assured loses all hearing in both ears (aided or unaided). The loss must be total and permanent as assessed three months after the accidental injury . An accidental injury which falls within one of the Accidental Injury Categories set out in the table in Section 2.
moon boot;
halo;
specified injury
surgical wires;
externally or internally fixed plates and/or screws;
wrist guard;
splint;
support;
crutches;
sling;
wheelchair; and/or
other mobility equipment, aid or device.
limb(s)
An arm, leg, hand or foot. In respect of this definition:
the arm starts from the shoulder joint and ends at the wrist joint; the hand starts from the wrist joint; the leg starts from the hip joint and ends at the ankle joint; and
the foot starts from the ankle joint.
1112 AL-AIC Version 1 Effective 5 August 2019
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