MLC Life Cover Super MLC Personal Protection Portfolio

Extra Benefits Option (for PPP Plus only)Extra Benefits Option offers:• Benefit during the waiting period• Accommodation benefit• Double benefits for specified conditions• No claim bonus• Advance payment for certain injuries• Home assistance• Transportation benefit.Benefit during the waiting periodMLC will pay you the daily proportion of your monthlybenefit for each day during the waiting period that you aretotally disabled, confined to bed, and receiving full-timeregistered nursing care (not provided by a member of yourimmediate family) under a doctor’s direction. The benefitapplies from the fourth day of such care for the duration ofthe waiting period up to 180 consecutive days.Accommodation benefitIf you are totally disabled, confined to bed and receivingfull-time registered nursing care (not provided by amember of your immediate family) under a doctor’sdirection, more than 100 kilometres from your usual placeof residence, MLC will pay an additional benefit of $500per day if one of your immediate family members requireshotel or motel accommodation to be near you. The benefitapplies from the fourth day of your confinement to bed fora maximum of 30 days in any 12 month period.Double benefits for specified conditionsMLC will pay you double the normal monthly benefit fortotal or partial disability or rehabilitation for up to sixmonths if you are disabled by any of the followingconditions, defined in ‘Critical Conditions Definitions’on pages 75 to 79.• Aorta repair• Aplastic anaemia• Benign brain tumour• Cardiomyopathy• Chronic kidney failure• Chronic liver failure• Chronic lung failure• Coma• Coronary artery bypass surgery• Deafness• Dementia or Alzheimer’s disease• Encephalitis• Heart attack• Heart valve surgery• HIV contracted through medical procedures• HIV contracted through your work• Major brain injury• Major burns• Major organ transplant• Malignant cancer• Motor neurone disease• Multiple sclerosis• Muscular dystrophy• Open heart surgery• Parkinson’s disease• Pneumonectomy• Primary pulmonary hypertension• StrokeThe specified condition must satisfy all of the terms of itsdefinition, be diagnosed by an appropriate specialist andconfirmed by MLC’s medical adviser.The types of insurance offeredMLC Life Cover Super and MLC Personal Protection Portfolio PDS Page 33