MLC Life Cover Super MLC Personal Protection Portfolio

Critical IllnessDefinitionsSerious accidental injurySpecified complicationsof pregnancyThe life insured suffers a serious accidental injury resulting in confinement to an acute carehospital for a period of 30 consecutive days (24 hours per day) under the full-time care of aregistered doctor.Injury as a direct or indirect result of alcohol or drug intake is excluded.The life insured is diagnosed with one of the following:• Disseminated Intravascular Coagulation (DIC) where there is a pregnancy related cause of theDIC which has resulted in a life threatening haemorrhage from multiple sites.• Ectopic pregnancy – pregnancy in which implantation of a fertilised ovum occursoutside the uterine cavity. The ectopic pregnancy must be terminated by laparotomy orlaparoscopic surgery.• Hydatidiform mole – the development of fluid-filled cysts in the uterus after the degeneration ofthe chorion during pregnancy which results in death of the embryo.• Stillbirth – the birth of an infant after at least 28 weeks of pregnancy, which shows no signs oflife after birth.Elective termination of pregnancy is specifically excluded.Benefits are not payable if payment has been made under ‘Death of a child’.Page 82 MLC Life Cover Super and MLC Personal Protection Portfolio PDS