Critical Illness will mean one or more of the conditions listed and defined below. Any diagnosis must be by a medical practitioner registered in
the United Kingdom whose specialism is appropriate to the cause of the claim and confirmed by the Insurer’s Chief Medical Officer.

(*) An asterisk denotes the condition is covered for children.

Alzheimer’s disease - resulting in Permanent symptoms:
A definite diagnosis of Alzheimer’s disease by a Consultant Neurologist, Psychiatrist or Geriatrician. There must be Permanent clinical loss of the
ability to do all of the following:

• remember;
• reason; and
• perceive, understand, express and give effect to ideas.

For the above definition, the following are not covered:

• Other types of dementia.

Aorta graft surgery - for disease: (*)
The undergoing of surgery for disease to the aorta with excision and surgical replacement of a portion of the diseased aorta with a graft.
The term aorta includes the thoracic and abdominal aorta but not its branches.

For the above definition, the following are not covered:

• Any other surgical procedure, for example the insertion of stents or endovascular repair.
• Surgery following traumatic injury to the aorta.

Aplastic Anaemia - Permanent and Irreversible: (*)
Permanent and Irreversible bone marrow failure, which results in anaemia, neutropenia and thrombocytopenia requiring treatment with at
least one of the following:

• Blood transfusion;
• Marrow stimulating agents;
• Immunosuppressive agents;
• Bone marrow transplant.

Bacterial meningitis - resulting in Permanent symptoms: (*)
Confirmation by a consultant physician of a definite diagnosis of bacterial meningitis resulting in Permanent neurological or physical
damage. All other forms of meningitis including viral are not covered.

Benign brain tumour - resulting in Permanent symptoms: (*)
A non-malignant tumour or cyst in the brain, cranial nerves or meninges within the skull, resulting in Permanent neurological deficit with
persisting clinical symptoms.

For the above definition, the following are not covered:

• Tumours in the pituitary gland.
• Angiomas.

Blindness - Permanent and Irreversible:
Permanent and Irreversible loss of sight to the extent that even when tested with the use of visual aids, vision is measured at 3/60 or worse in
the better eye using a Snellen eye chart.

Cancer – excluding less advanced cases: (*)
Any malignant tumour positively diagnosed with histological confirmation and characterised by the uncontrolled growth of malignant
cells and invasion of tissue.

The term malignant tumour includes leukaemia, lymphoma and sarcoma.

For the above definition, the following are not covered:

• All cancers which are histologically classified as any of the following:

• pre-malignant;
• non-invasive;
• cancer in situ;
• having either borderline malignancy; or
• having low malignant potential.

• All tumours of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0.
• Chronic lymphocytic leukaemia unless histologically classified as having progressed to at least Binet Stage A.
• Any skin cancer other than malignant melanoma that has been histologically classified as having caused invasion beyond the epidermis (outer layer of skin).

Coma – resulting in Permanent symptoms:
A state of unconsciousness with no reaction to external stimuli or internal needs which:

• requires the use of life support systems for a continuous period of at least 96 hours; and
• results in Permanent neurological deficit with persisting clinical symptoms.

For the above definition, the following is not covered:

• Coma secondary to alcohol or drug abuse.

Coronary artery by-pass grafts – with surgery to divide the breastbone: (*)
The undergoing of surgery requiring median sternotomy (surgery to divide the breastbone) on the advice of a Consultant Cardiologist to correct narrowing or blockage of one or more coronary arteries with by-pass grafts.

Deafness – Permanent and Irreversible:
Permanent and Irreversible loss of hearing to the extent that the loss is greater than 95 decibels across all frequencies in the better ear using a
pure tone audiogram.

Degenerative organic brain disease - Permanent and Irreversible: (*)
Definite diagnosis by a United Kingdom registered consultant neurologist of Irreversible and Permanent mental Incapacity due to organic degenerative brain disease evidenced by progressive loss of ability to remember, reason, perceive, understand, express and give
effect to ideas which causes a significant reduction in mental and social functioning, requiring the continuous supervision of the person covered.

Claims will be payable for pre-senile dementia or Creuzfelt-Jacob disease as long as the above criteria are fully satisfied.

Heart attack - of specified severity: (*)
Death of heart muscle, due to inadequate blood supply, that has resulted in all of the following evidence of acute myocardial infarction:

• Typical clinical symptoms (for example, characteristic chest pain).
• New characteristic electrocardiographic changes.
• The characteristic rise of cardiac enzymes or Troponins recorded at the following levels or higher;

- Troponin T > 1.0 ng/ml
- AccuTnI > 0.5 ng/ml or equivalent threshold with other Troponin I methods.

The evidence must show a definite acute myocardial infarction.

For the above definition, the following are not covered:

• Other acute coronary syndromes including but not limited to angina.

Heart valve replacement or repair – with surgery to divide the breastbone: (*)
The undergoing of surgery requiring median sternotomy (surgery to divide the breastbone) on the advice of a Consultant Cardiologist to
replace or repair one or more heart valves.

HIV infection – caught in the UK from a blood transfusion, a physical assault or at work in an eligible Occupation:
Infection by Human Immunodeficiency Virus resulting from:

• a blood transfusion given as part of medical treatment;
• a physical assault; or
• an incident occurring during the course of performing normal duties of employment after the start of the Plan and satisfying all of the following:

• The incident must have been reported to appropriate authorities and have been investigated in accordance with the established procedures.
• Where HIV infection is caught through a physical assault or as a result of an incident occurring during the course of performing normal duties of employment, the incident must be supported by a negative HIV antibody test taken within 5 days of the incident.
• There must be a further HIV test within 12 months confirming the presence of HIV or antibodies to the virus.
• The incident causing infection must have occurred in the UK. The eligible Occupations covered by this benefit are as follows:

Ambulance Workers; Chiropodists; Dental Nurses; Dental Surgeons; District Nurses; Fire Brigade Firefighters; General Practitioners; Hospital
Caterers; Hospital Cleaners; Hospital Doctors, Surgeons and Consultants; Hospital Laboratory Technicians; Hospital Laundry Workers; Hospital Nurses; Hospital Porters; Midwives; Nurses Employed by General Practitioners; Occupational Therapists; Paramedics; Physiotherapists; Podiatrists; Policemen and Policewomen; Prison Officers; Radiologists; Refuse Collectors; Social Workers.

For the above definition, the following is not covered:

• HIV infection resulting from any other means, including sexual activity or drug abuse.

Kidney failure - requiring dialysis: (*)
Chronic and end stage failure of both kidneys to function, as a result of which regular dialysis is necessary.

Loss of hands or feet - Permanent physical severance:
Permanent physical severance of any combination of 2 or more hands or feet at or above the wrist or ankle joints.

Loss of independent existence - after age 60:
The Insured, in the Insurer’s opinion, is , as a result of a medical condition either:

• Permanently unable to perform all of the tasks contained in three out of six Living Tasks without the assistance of another person, but with the use of appropriate devices; or
• suffering from mental Incapacity or brain injury which has affected the Insured’s ability to reason and understand and the Insured has deteriorated to an extent that the Insured can no longer look after themselves and require the continual supervision and assistance of another person.

Loss of speech - Permanent and Irreversible: (*)
Total Permanent and Irreversible loss of the ability to speak as a result of physical injury or disease.

Major organ transplant: (*)
The undergoing as a recipient of a transplant of bone marrow or of a complete heart, kidney, liver, lung, or pancreas, or inclusion on an official UK waiting list for such a procedure.

For the above definition, the following is not covered:

• Transplant of any other organs, parts of organs, tissues or cells.

Motor neurone disease - resulting in Permanent symptoms: (*)
A definite diagnosis of motor neurone disease by a Consultant Neurologist. There must be Permanent clinical impairment of motor function.

Multiple sclerosis – with persisting symptoms: (*)
A definite diagnosis of Multiple Sclerosis by a Consultant Neurologist. There must be current clinical impairment of motor or sensory function,
which must have persisted for a continuous period of at least 6 months.

Paralysis of limbs – total and Irreversible:
Total and Irreversible loss of muscle function to the whole of any 2 limbs.

Parkinson’s disease before age 65 - resulting in Permanent symptoms:
A definite diagnosis of Parkinson’s disease before age 65 by a Consultant Neurologist. There must be Permanent clinical impairment of motor function with associated tremor, rigidity of movement and postural instability.

For the above definition, the following is not covered:

• Parkinson’s disease secondary to drug abuse.

Stroke – resulting in Permanent symptoms: (*)
Death of brain tissue due to inadequate blood supply or haemorrhage within the skull resulting in Permanent neurological deficit with persisting
clinical symptoms.

For the above definition, the following are not covered:

• Transient ischaemic attack.
• Traumatic injury to brain tissue or blood vessels.

Terminal illness: (*)
Advanced or rapidly progressing incurable illness where, in the opinions of an attending Consultant and our Chief Medical Officer, the life
expectancy is no greater than 12 months.

Third degree burns – covering 20% of the body’s surface area:
Burns that involve damage or destruction of the skin to its full depth through to the underlying tissue and covering at least 20% of the body’s surface area.

Traumatic head injury – resulting in Permanent symptoms: (*)
Death of brain tissue due to traumatic injury resulting in Permanent neurological deficit with persisting clinical symptoms.

Total Permanent Disability before age 60:
Total, Permanent and Irreversible disability as a result of accident or illness such that:

(i) for Insureds engaged in a Full Time remunerative Occupation immediately prior to the commencement of disability the Insured
is totally unable:

a) for class 1 and 2 Occupations, to carry out the material and substantial duties of their usual Occupation and will never again be able to perform their own Occupation;

b) for class 2 Suited and class 3 Occupations, to carry out the material and substantial duties of their usual Occupation and to carry out any Occupation for which they are reasonably suited by training, education or experience and will never again be able to
perform any such Occupation;

c) for class 4 Occupations to perform three out of the six Working Tasks. Confirmation that the Insured is Permanently unable to perform three out of the six Working Tasks is required from the Insurer’s Chief Medical Officer.

(ii) for Insureds not engaged in a Full Time remunerative Occupation immediately prior to the commencement of disability the Insured is unable to perform three out of the six Living Tasks. Confirmation that the Insured is Permanently unable to perform three out of the six Living Tasks is required from the Insurer’s Chief Medical Officer.

The Occupation class will be shown on the Certificate of Insurance.

Usual Occupation means the Occupation followed at the time disability commenced and is not restricted to any one place of work.

You do not need to notify the Insurer of any change in the Insured’s Occupation after the Plan has started.