MLC Life Cover Super MLC Personal Protection Portfolio

Critical IllnessDefinitionsMalignant cancerMeningococcalsepticaemiaMotor neurone diseaseMultiple sclerosisMuscular dystrophyOpen heart surgeryOut of hospitalcardiac arrestParkinson’s diseaseParalysisPneumonectomyPrimary pulmonaryhypertensionThe presence of one or more malignant tumours, leukaemia or lymphomas (including Hodgkin’sDisease).The following are not included:• chronic lymphocytic leukaemia in its early stages (RAI stages 0 or 1)• prostate cancer which is histologically described as TNM classification T1 or another equivalentor lesser classification• carcinoma in situ (including cervical dysplasia CIN1, CIN2, and CIN3), or premalignant tumours.Carcinoma in situ of the breast is included where it leads to the removal of the breast by amastectomy. The procedure must be performed as a direct result of the carcinoma in situ andspecifically to arrest the spread of malignancy, and be considered the necessary andappropriate treatment• skin cancer other than melanoma at least 1.5 mm thick or at least Clark Level 3 of invasion• hyperkeratosis or basal cell skin carcinoma• squamous cell skin carcinoma unless it has spread to other organs.Severe infection in the blood stream that causes blood poisoning which results in a permanentimpairment of at least 25% of whole person function.The progressive weakening and wasting of the muscles of the body. The diagnosis of motorneurone disease must be certain and supported by neurological investigations. There must bepermanent loss of at least 25% of the brain’s physical control function.The progressive destruction of the insulating layer of myelin in the brain and spinal cord. Thediagnosis of multiple sclerosis must be certain and supported by neurological investigations.There must be more than one episode of brain dysfunction with persistent abnormalities and lossof at least 25% of either the brain’s mental function or its physical control function.The progressive weakening and associated loss of muscle tissue resulting in a permanent loss ofat least 25% of whole person function.Open heart surgery for the treatment of a cardiac defect, cardiac aneurysm or benigncardiac tumour.Cardiac arrest which is not associated with any medical procedure and is documented by anelectrocardiogram, occurs out of hospital and is due to cardiac asystole or ventricular fibrillationwith or without ventricular tachycardia.Cardiac arrest as a direct or indirect result of alcohol or drug intake is excluded.A degenerative disease of the central nervous system, the most common symptom of which is arhythmic tremor of the limbs. The diagnosis of Parkinson’s disease must be certain and supportedby neurological investigations. The disease must be at a stage where it can no longer be controlledwith medication and has resulted in the permanent loss of at least 25% of either the brain’s mentalfunction or its physical control function.Total and permanent loss of the function of two or more limbs caused by damage to thenervous system.The removal of an entire lung when considered the necessary and appropriate treatment.A condition associated with right ventricular enlargement established by cardiac catheterisationresulting in permanent physical impairment to the degree of at least Class 3 of the New York HeartAssociation classification of cardiac impairment.Page 78 MLC Life Cover Super and MLC Personal Protection Portfolio PDS