MLC Life Cover Super MLC Personal Protection Portfolio

Critical IllnessDefinitionsCritical Conditions DefinitionsYour Critical Illness insurance requires the following precise medical definitions:Aorta repairAplastic anaemiaBacterial meningitisBenign brain tumourBlindnessCardiomyopathyChronic kidney failureChronic liver failureChronic lung failureComaCoronary arteryangioplastyCoronary arteryangioplasty– Triple VesselThe correction of narrowing, dissection or aneurysm of the aorta through the chest or abdominalwall. It does not include angioplasty, intra-arterial procedures or other non-surgical procedures.Means bone marrow failure which results in anaemia, neutropenia and thrombocytopeniarequiring as a minimum one of the following treatments:• marrow stimulating agents• bone marrow transplantation• blood product transfusions• immunosuppressive agents.Severe inflammation of the membrane that surrounds the brain and spinal cord which results in apermanent impairment of at least 25% of whole person function.Bacterial meningitis occurring in patients with HIV infection is not covered.The presence of a non-cancerous tumour of the brain resulting in at least 25% permanentimpairment of the whole person function.The following are not included:• intracranial cysts, granulomas and haematomas• intracranial malformation in or of the arteries and veins• tumours of the pituitary gland or the spinal cord.The permanent loss of all sight in both eyes, whether aided or unaided, due to sickness or injury tothe extent that visual acuity is 6/60 or less in both eyes, or to the extent that the visual field isreduced to 20 degrees or less of arc.The inability of the heart muscle to function properly resulting in permanent physicalimpairment to the degree of at least Class 3 of the New York Heart Association classification ofcardiac impairment.Cardiomyopathy caused by alcohol or drug abuse is not covered.The final stage of kidney disease that requires permanent dialysis or a transplant.The final stage of liver disease with permanent jaundice, ascites (abnormal retention of fluids withinthe abdominal cavity), deteriorating liver function tests and encephalopathy (related brain disease).Liver disease caused by alcohol or drug abuse is not covered.The final stage of lung disease, needing a permanent extra oxygen supply and with lung functiontests known as FEV1 consistently showing results of less than one litre.A total loss of consciousness and responsiveness that:• lasts at least 96 hours• requires the continuous use of a life support system for that time, and• results in permanent loss of at least 25% of either the brain’s mental function or its physicalcontrol function.Coma caused by alcohol or drug abuse is not covered.An operation to correct narrowing or obstruction of one or more coronary arteries. Intra-arterialinvestigation procedures are not included.The actual undergoing for the first time of an operation to correct narrowing or obstruction of threeor more coronary arteries within the same procedure when considered the necessary andappropriate treatment.DefinitionsMLC Life Cover Super and MLC Personal Protection Portfolio PDS Page 75