MLC Life Cover Super MLC Personal Protection Portfolio

ProductupgradesImproved definitionsThe definitions of the following Extra Benefits Option additionalcritical conditions are now more generous.Extra Benefits Optionadditional critical conditionCriticalIllnessPlusCriticalIllnessstand-aloneChronic Lymphocytic Leukaemia(now called Early stage chronic• •lymphocytic leukaemia)Facial reconstructive surgery andskin grafting• •Loss of one foot or one hand • •Melanoma (now called Early stagemelanoma)• •Prostate Cancer (now called Earlystage prostate cancer)• •Serious Accidental Injury • •The details of all these new definitionsare on mlc.com.au/upgradeImproved! Critical Illness Extra BenefitsOption – Critical Illness Buy BackTwelve months after a partial Critical Illness insurance benefithas been paid, this enhanced option now means you can buyback the partial insurance amount (previously this only appliedafter the full benefit had been paid).Improvements to Income ProtectionNew! Child Support Income BenefitWe’ll pay you the lesser of three times the monthly benefit, or$25,000 as a lump sum, if one of your children* suffers one ofthe following conditions for the first time or dies.Child Support Benefit ConditionsAplastic Anaemia Encephalitis Malignant CancerBacterial Meningitis Heart Attack MeningococcalSepticaemiaBenign Brain Tumour Heart Valve Surgery Open Heart SurgeryBlindnessHIV contractedthrough medicalOut of HospitalCardiac ArrestproceduresCardiomyopathy Intensive Care ParalysisChronic Kidney Loss of Speech PneumonectomyFailureChronic Liver Failure Major Brain Injury Primary PulmonaryHypertensionComa Major Burns StrokeDeafnessMajor Organ or BoneMarrow Transplant* A child means a person who is under the age of 21, and is thenatural child, stepchild, adopted child or a child under the legalguardianship of the Life Insured.The details of all these new definitionsare on mlc.com.au/upgradePage 18 Making your insurance even betterMaking your insurance even better Page 19