NEW IRELANDLIFE CHOICE - HOMEPOLICY CONDITIONS
PROTECTION
New Ireland Assurance Company plc.,11-12 Dawson Street, Dublin 2.T: (01) 617 2000 F: (01) 617 2075. E: [email protected] W: www.newireland.ieA Member of Bank of Ireland Group.
New Ireland Assurance Company plc is regulated by the Central Bank of Ireland.
301673 V4.02.12
1. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
l Dolordiscereperpetuaetper,quasmentitum
l Cunibhobliqueinermissed.
l Eivixsolumoblique.
l Eiusprimisadipiscietvix,facetevim.
Dicamdignissiminius,aequemunerereformidanssitan.Vixexmodusvituperata,indoctumconceptamvimte,eueamvitaequodsi.Iniusnatumdocendi,probopertinaxexeos.Adhasvulputatecotidieque.Nameuismodmoderatiusan.
TextHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
2. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
3. SubHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
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1
CONTENTSIntroduction 2
SectionA.GeneralConditions 31. Definitions 32. LegalBasis 43. PaymentofBenefits 5
SectionB.Detailsofthepolicy 61. PayingPremiums 62. AmendingyourPolicy 6 2.1.Medical-FreeConversionOption 6 2.2.LifeEventsOption 7 2.3.OtherPolicyOptions 83. RestartingyourPolicy 84. CancellingyourPolicy/BenefitsCeasing 85. WhoisCovered 86. Settlement/Correspondence 97. NoPolicyValue 98. TheActuary 99. LegalInterestinYourPolicy 9
SectionC.Benefits 101. DeathBenefits 10 1.1.LumpSumonDeath 10 1.1.1TerminalIllnessBenefit 10 1.1.2AccidentalDeathBenefit 112. AdditionalBenefits 11 2.1.AcceleratedSpecifiedIllnessBenefit 11 2.1.1PartialPaymentSpecifiedIllnessBenefit 12 2.1.2WaitingListBenefit 12 2.2. AccidentPayment 13 2.3. HospitalisationPayment 14 2.4. BrokenBonesPayment 14 2.5. SurgeryPayment 153. Children’sProtectionBenefits 16 3.1.Children’sLumpSumonDeath 16 3.2.Children’sSpecifiedIllnessBenefit 16 3.3.Children’sHospitalisationPayment 17
SectionD.ClaimProceduresandExclusions 181. ClaimProcedures 182. Exclusions 18
AppendixA 20
AppendixB 29
1
ComhluchtnahÉireannumÁrachas,cpt/NewIrelandAssuranceCompanyplc
RegisteredinDublin,Ireland,RegisteredNo.7336.
RegisteredOffice:11–12DawsonStreet,Dublin2.
1. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
l Dolordiscereperpetuaetper,quasmentitum
l Cunibhobliqueinermissed.
l Eivixsolumoblique.
l Eiusprimisadipiscietvix,facetevim.
Dicamdignissiminius,aequemunerereformidanssitan.Vixexmodusvituperata,indoctumconceptamvimte,eueamvitaequodsi.Iniusnatumdocendi,probopertinaxexeos.Adhasvulputatecotidieque.Nameuismodmoderatiusan.
TextHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
2. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
3. SubHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
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2
INTRODUCTION
ThisisthePolicyDocumentforyourLifeChoice–Homepolicy.TogetherwiththePolicySchedulewhichis
containedinthepocketinsidethefrontcoverandanyendorsementstothispolicy,itcontainsthedetailsofyour
policyandtheconditionsandruleswhichsetouthowthepolicyworks.
ThePolicyDocumentisalegaldocumentandshouldbekeptinasafeplace.Itwouldalsobeusefulifyour
solicitor,arelativeorafriendknewwhereitiskept.
2
1. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
l Dolordiscereperpetuaetper,quasmentitum
l Cunibhobliqueinermissed.
l Eivixsolumoblique.
l Eiusprimisadipiscietvix,facetevim.
Dicamdignissiminius,aequemunerereformidanssitan.Vixexmodusvituperata,indoctumconceptamvimte,eueamvitaequodsi.Iniusnatumdocendi,probopertinaxexeos.Adhasvulputatecotidieque.Nameuismodmoderatiusan.
TextHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
2. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
3. SubHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
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3
1. Definitions
AcceleratedSpecifiedIllnessBenefit
Thisbenefit(ifselectedandacceptedbytheCompany)
providesforanamounttobepaidiftheLifeInsured
isdiagnosedwithaSpecifiedIllnessasoutlinedin
AppendixAduringtheTermofCoverforthisbenefit.
AccidentPayment
TheamountofAccidentPaymentshowninthe
PolicyScheduleasapplyingtoaLifeInsured,oras
subsequentlychanged.ConditionsapplyingtoAccident
PaymentaredescribedinSectionC,Condition2.2.
Actuary
NewIreland’sAppointedActuary.
Application
Thecompletedapplicationformand/orallthe
informationinconnectionwiththispolicy,provided
byyouand/ortheLivesInsuredtoyourintermediary
and/ortotheCompany,orbyyourintermediarytothe
Company,priortothecommencementofthepolicy
andanydeclarationssignedbyyouand/ortheLives
Insured.
Assigned
YoucanmaketheProtectionBenefitsunderthepolicy
payabletosomeoneelsebymakingyourpolicyAssigned.
Thisinvolvesyouandtheotherpersonmakingalegal
agreementastowhowillreceivetheProtectionBenefits.
Normally,thisisdoneifthispolicyisusedassecurityfor
aloan,andtheProtectionBenefitsarepaidtothelender.
YouarestillliabletopaythePremiums.
Assignee
IfyoumakeyourpolicyAssigned,thentheperson
whohastakenoverthelegalinterestisknownasthe
Assignee.ItisthispersontowhomtheProtection
Benefitswillbepaid.
BrokenBonesPaymentConditionsapplyingtoBrokenBonesPaymentare
describedinSectionC,Condition2.4.
Consultant
Amedicalpractitionerwhoisonthespecialistregister
withtheIrishMedicalCouncilortheBritishMedical
Councilinrelationtoaspecificfieldofmedicineand
whoispractisingatanIrishorUnitedKingdomHospital.
ExpiredTerm
Thisisthenumberofpolicyanniversariesattainedsince
thePolicyStartDate.
Hospital
Thisisamedicalinstitutionregisteredwiththe
relevantauthorityintheRepublicofIrelandorthe
UnitedKingdomwhichhascontinuousfacilities
fordiagnosis,treatmentandmajorsurgery,which
isoperatedprimarilyforthesurgicalandmedical
treatmentofacuteillnessandinjury,andwhich
providesaccommodationforsickandinjuredpeopleas
in-patients.Forthepurposesofthispolicy“Hospital”
doesnotincludeahospice,convalescence,geriatric
orrehabilitationfacilityortheNationalRehabilitation
Hospital(DúnLaoghaire,Co.Dublin).
HospitalisationPayment
ThedailyamountofHospitalisationPaymentshown
inthePolicyScheduleasapplyingtoaLifeInsured,
orassubsequentlychanged.Conditionsapplyingto
HospitalisationPaymentaredescribedinSectionC,
Condition2.3.
Insurer
NewIrelandAssuranceCompanyplcistheCompany
thathasissuedthepolicy.Whereverthewords“we”,
“us”,“NewIreland”,“theInsurer”and“theCompany”
areusedinthepolicytheyrefertoNewIreland
AssuranceCompanyplc.NewIrelandAssurance
CompanyplcisregulatedbytheCentralBankof
Ireland.AmemberofBankofIrelandGroup.
LifeInsured
Apersonwhoselifeisinsuredbythepolicy,andwho
isnamedinthePolicySchedule.Iftherearetwolives
insurednamedinthePolicySchedulethenthepolicyis
ajointlifepolicy.
3
SECTION A – GENERAL CONDITIONS
LumpSumonDeathBenefit
Thisbenefitprovidesforthepaymentofalumpsum
amountonthedeathoftheLifeInsuredduringtheTerm
ofCoverforthisbenefit.
PartialPaymentSpecifiedIllnessBenefitThisbenefit(whichappliesonlyifAcceleratedSpecified
IllnessBenefithasbeenselectedandacceptedbythe
Company)providesforanamounttobepaidiftheLife
InsuredisdiagnosedwithaPartialPaymentSpecified
IllnessasoutlinedinAppendixBduringtheTermof
CoverforAcceleratedSpecifiedIllnessBenefit.
PolicyAnniversary
Thisisthedate12monthsafterthepolicystartsand
every12monthsthereafter.
Policyholder
Thepersonorpersonswithwhomthecontractof
insuranceismadeandwhoisresponsibleforthepayment
ofthePremiums.Whereverthewords“you”and“your”
areusedinthepolicy,theyrefertothePolicyholder.The
PolicyholderisnamedinthePolicySchedule.
PolicySchedule
ThePolicyScheduleformspartofthepolicyandsets
outthespecificdetailsofyourpolicy.
PolicyStartDate
Thisisthedatethatthepolicy,theProtectionBenefitsand
thePremiumsstart.ItisstatedinyourPolicySchedule.
PolicyTerm
ThisistheTermofCoverchosenfortheLumpSum
onDeathBenefitasstatedinyourPolicyScheduleor
anyendorsement.Thepolicymayendearlierthanthe
expiryoftheTermofCoverifProtectionBenefitsare
paidorthepolicylapsesorceasesassetoutinthese
policyconditions.
PremiumorPremiums
TheamountshowninthePolicyScheduleorarevised
amountasstatedonanyendorsementorletterfrom
theCompanyasaresultofvoluntaryrevision.The
frequencyatwhichPremiumsarepayableisalso
showninthePolicySchedule.
ProtectionBenefits
TheLumpSumonDeathBenefit,AcceleratedSpecified
IllnessBenefit,AccidentPayment,Hospitalisation
Payment,BrokenBonesPaymentandSurgeryPayment,
asapplicable,applyingtoaLifeInsuredarecollectively
referredtoastheProtectionBenefits.
SpecifiedIllness
ASpecifiedIllnessisthedefinitediagnosisbya
ConsultantofanIrishorUnitedKingdomHospital,and
asverifiedbytheCompany’sChiefMedicalOfficer,ofthe
firstoccurrenceofanyoftheSpecifiedIllnessesoutlined
inAppendixAand/orAppendixBduringtheTermof
CoverforAcceleratedSpecifiedIllnessBenefit.
SurgeryPaymentTheamountofSurgeryPaymentandtheconditionsthat
applyaredescribedinSectionC,Condition2.5.Surgery
PaymentonlyappliestoaLifeInsuredifstatedinthe
PolicyScheduleoranyendorsement.
TermofCover
Thisistheperiod(s)ofcoverchosenforeachofthe
ProtectionBenefitsthathavebeenselectedunder
yourpolicy.CoverforeachoftheProtectionBenefits
willendontheexpiryofthechosenTermofCover
or,ifearlier,thepaymentofProtectionBenefit(s)or
thelapseorcessationofthepolicyassetoutinthese
policyconditions.
2. LegalBasis
ThecontractwithNewIrelandAssuranceisalegal
agreementandconsistsof:
• theApplication(includinganyrecorded
telephoneinterview)completedbyyou,andthe
LifeInsured;
• thisPolicyDocumentwhichsetsoutthe
standardpolicyconditions;
• thePolicySchedule;
• anywrittenstatementsmadebyyou,andthe
LifeInsured(s);
• anystatementsmadebyanauthorisedperson
onyourbehalf;
4
1. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
l Dolordiscereperpetuaetper,quasmentitum
l Cunibhobliqueinermissed.
l Eivixsolumoblique.
l Eiusprimisadipiscietvix,facetevim.
Dicamdignissiminius,aequemunerereformidanssitan.Vixexmodusvituperata,indoctumconceptamvimte,eueamvitaequodsi.Iniusnatumdocendi,probopertinaxexeos.Adhasvulputatecotidieque.Nameuismodmoderatiusan.
TextHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
2. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
3. SubHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
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55
• changesinthepolicyconditionsorPolicy
Schedulenotifiedtoyouinwritingbythe
Company(thesearecalledendorsements);
and
• anyscheduleofrevisedtermsissuedbythe
Companytoyou.
Theabovecontainsallthetermsofthecontractand
weacceptliabilityonlyinaccordancewiththeseterms.
Forthepolicytobevalid,werequirefullandtrue
disclosureintheApplicationandinanymedicalor
otherstatementsmadebythePolicyholderorLife
Insured(s)orintermediaryinconnectionwiththe
Application.
ThepolicyisgovernedbythelawsofIreland.The
courtsofIrelandshallhaveexclusivejurisdictionin
relationtoallmattersarisingunderorinconnection
withthepolicy.
TheCompanywill,subjecttothepaymentofPremiums
andthepolicyterms,paythebenefitsprovidedby
thepolicy.Ifthereisanymisrepresentationofor
failuretodisclosematerialfactsbyoronbehalfofthe
Policyholder,oraLifeInsured,thepolicyisvoidandall
Premiumspaidwillberetainedbyus.
Thepolicyandthebenefitsarepayableunderit
arebasedoncurrentlegislation,includingcurrent
taxationlegislation.Ifthereisanychangeintaxation
orotherlegislationaffectingthepolicywewillmake
suchalterationstothetermsofthepolicyas,inthe
Actuary’sopinion,arenecessarytotakeaccountof
suchchanges.
Complaintsanddisputesarisinginconnectionwith
yourpolicy,whichcometoberesolvedwithinthe
Company’sinternalcomplaintshandlingprocedure
maybereferredtotheFinancialServicesOmbudsmen.
DetailsoftheservicesprovidedbytheFinancial
ServicesOmbudsmenmaybeobtainedfrom
www.financialombudsman.ieandyourinsurance
advisororNewIreland.
Anyassignmentsofthepolicytoathirdpartymustbe
notifiedtotheCompanyatourheadoffice,
11/12DawsonStreet,Dublin2.
3. PaymentofBenefits
ProtectionBenefitsarepayabletothelegalowner
ofthepolicy.ThiswillnormallybethePolicyholder,
butiftherighttoreceivetheProtectionBenefitshas
beentransferredorAssignedtosomeotherperson
ororganisationsuchasabankorbuildingsociety,
thepaymentoftheProtectionBenefitswillbemade
directlytothem(unlesswereceivethewritten
instructionsofthelegalownertodootherwise).
Forexample,dependingonthecircumstanceswemay
payoneofthefollowing:
• thePolicyholder;
• atrustee(s)ofthepolicy;
• anexecutor(s)oradministrator(s);
• anAssignee(s)ofthepolicy.
IftherearetwoPolicyholderswewillpaybothjointly
orthesurvivorifonehasdied.Ifatthetimethebenefit
becomespayablethePolicyholderhasdied,wewill
paytheAssigneeortheexecutorsoradministrators
dealingwiththeestateasappropriate.Ifthepolicyhas
beenissuedunderTrust,wewillpaythetrusteewhois
responsibletothebeneficiariesoftheTrust.
1.PayingPremiums
YourfirstPremiumisdueonthePolicyStartDate.
SubsequentPremiumsarepayableatthefrequencyset
outinyourPolicyScheduleoranyendorsement.
ItisyourresponsibilitytoensurethatallPremiumsare
receivedbyus.Wewillallowyou30daysforpayment
fromthedatethatthePremiumisdue.IfthePremium
isnotpaidwithin30days,yourpolicyandProtection
Benefitswillcancelimmediatelywithoutfurthernotice
andyouarenolongeroncoverforanyProtection
Benefits.Ifyouinformusinwritingwithin30daysof
thepremiumduedatethatyouwanttocancelyour
policy,itwillbecancelledimmediately.Wherethis
policyisbeingreplacedbyanewpolicy,thispolicywill
becancelled(unlesspreviouslylapsed)witheffectfrom
thecommencementdateofthenewpolicy.
IfyouhaveAssignedyourpolicy,weareobligedto
notifytheAssigneethatPremiumshavenotbeenpaid
andthatcovernolongerapplies.
Ifaclaimarisesduringthe30dayperiodaftera
Premiumisdueandhasnotbeenpaid,butbeforethe
policyhasbeencancelled,wewilldeducttheamount
oftheunpaidPremiumfromtheclaimamount.
2. Amendingyourpolicy
2.1Medical–FreeConversionOption
ThePolicySchedulewillstatewhetherthisoption
appliestoyourpolicy.
IfthePolicySchedulestatesthattheMedical-Free
ConversionOptionapplies,thenatanystagebefore
theexpiryofyourTermofCoveryoumayeitherextend
theTermofCoverfortherelevantbenefitorcancel
thispolicyandtakeoutanewpolicywiththeCompany
withoutprovidinganyadditionalmedicalevidence.
Thisoptionissubjecttothefollowingprovisions.
To extend the Term of Cover all of the following must be satisfied: • TheLifeInsured(ortheolderLifeInsuredin
thecaseofajointlifepolicy)mustbeunder
65yearsofageonthedatetheoptionis
exercised.
• ThepremiumchargedfortheextendedTerm
ofCoverwillbedeterminedbytheCompany
basedonitspremiumratesforthatpolicyat
thetimeandtheageoftheLifeInsured(s)on
atthedatetheoptionisexercised
• Anyspecialtermswhichapplytothe
ProtectionBenefitswillcontinuetoapplyfor
theextendedTermofCover.
• FinancialUnderwritingwillapply.
To take out a new policy all of the following must be satisfied: • TheLifeInsured(ortheolderLifeInsuredin
thecaseofajointlifepolicy)mustbeunder
65yearsofageonthedatetheoptionis
exercised.
• ThenewpolicymaybeanyoftheCompany’s
rangeofnon-unitlinkedpoliciesavailableto
youatthetimetheoptionisexercised.The
Companyreservestherighttorestrictand/or
varythedefinitionofanyProtectionBenefits
underthenewpolicytobeconsistentwiththis
policy.
• TheamountofanyLumpSumonDeath
orLumpSumonDeathwithAccelerated
SpecifiedIllnessBenefitprovidedbythenew
policycannotbegreaterthantheamountof
anyLumpSumonDeathand/orAccelerated
SpecifiedIllnessBenefitsprovidedbythis
policyatthetimeofconversionandmaybe
forsuchlesseramountsastheCompanyat
itsdiscretionshalldecidetakingintoaccount
evidenceastotheextentofanyfinancialloss
youwouldincuronthedeathordiagnosisof
aSpecifiedIllnessoftheLifeInsuredandany
otherfinancialevidencethattheCompanymay
require.
6
SECTION B – DETAILS OF THE POLICY
1. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
l Dolordiscereperpetuaetper,quasmentitum
l Cunibhobliqueinermissed.
l Eivixsolumoblique.
l Eiusprimisadipiscietvix,facetevim.
Dicamdignissiminius,aequemunerereformidanssitan.Vixexmodusvituperata,indoctumconceptamvimte,eueamvitaequodsi.Iniusnatumdocendi,probopertinaxexeos.Adhasvulputatecotidieque.Nameuismodmoderatiusan.
TextHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
2. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
3. SubHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
Table Heading
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
7
• Ifconvertingfromajointlifepolicytoadual
lifepolicy,theamountofanyLumpSumon
Deathand/orAcceleratedSpecifiedIllness
Benefitsprovidedbythenewpolicyforeach
LifeInsuredwillbehalfthatoftheLumpSum
onDeathandAcceleratedSpecifiedIllness
Benefit,providedbythispolicy.
• ThePremiumchargedforthenewpolicywill
bedeterminedbytheCompanybasedonits
premiumratesforthatpolicyatthetimethe
optionisexercised.
• Anyspecialtermswhichapplytothe
ProtectionBenefitswillcontinuetoapplyfor
thenewpolicy.
2.2LifeEventsOption
WithLifeEventsOption,youcanincreasethelevelof
theLumpSumonDeathand/orAcceleratedSpecified
IllnessBenefitapplyingtoaLifeInsuredwithin3
monthsoftheoccurrenceofanyofthefollowinglife
eventswithoutprovidingevidenceoftheLifeInsured’s
currenthealthandoccupation:
(a) TheLifeInsuredhasincreasedamortgage
associatedwiththispolicybecausetheLifeInsured
hasmovedprincipalresidence;
(b) TheLifeInsuredhasmarried;
(c) TheLifeInsuredoraspouseoftheLifeInsured
hasgivenbirthtoachildorlegallyadoptedachild.
InthecaseofeachLifeInsured,theoptiontoincrease
abenefitwillonlyapplyiftheLifeInsuredisalready
coveredforthatbenefitwithinthepolicy.
Thetotalamountoftherelevantbenefitafter
exercisingtheLifeEventsOptioncannotexceedthe
maximumof(1)and(2)asfollows:
(1)Theamountofthebenefitprovidedbythispolicyat
thetimeofexercisingtheoption
Plus
Thelesserof:
(a)50%oftheamountofthebenefitatthePolicy
StartDate(or,ifthebenefitwassubsequently
addedtoyourpolicy,atthetimeitwasfirstadded),
and
(b)? 100,000,
and
(2)Thelesserof:
(a)TheamountofthebenefitatthePolicyStart
Date(or,ifthebenefitwassubsequentlyadded
toyourpolicy,atthetimeitwasfirstadded),
and
(b)? 500,000,whicheverislesser.
WheretheLifeEventsOptionisexercisedonmorethan
oneoccasion,thentheamountin(1)isrestrictedtoa
cumulativemaximumincreaseof? 200,000.
IfyouexercisetheMedical-FreeConversionOption,
thenthemaximumabenefitamountcanbeincreased
toundertheLifeEventsOption,withoutproviding
additionalmedicalevidence,isrestrictedto? 200,000
overtheamountofthebenefitatthePolicyStart
Dateor,ifthebenefitwassubsequentlyaddedtoyour
policy,atthetimeitwasfirstaddedtothepolicy.
Whereyouhavemorethanonepolicywiththe
Company,increasestootherpolicieswhichhavetaken
placeunderaLifeEventsOptionwillbetakeninto
accountforthepurposesofcalculatingthemaximum
increaseunderthispolicy.
InthecaseofAcceleratedSpecifiedIllnessBenefit,the
conditionsapplicabletotheincreaseandinparticular
theillnessescoveredwillbeinaccordancewiththe
termsandconditionsapplicableatthedateofthe
proposedincrease.
TheLifeEventsOptionissubjecttoallofthefollowing:
• WhenexercisingthisoptiontheLifeInsured(orthe
olderLifeInsuredinthecaseofajointlifepolicy)
isunder55yearsofageonthedateofapplication
toexercisethisoption.
• Youmustnotifyusthatyouwishtoexercisethis
optionwithin3monthsafterthedateofthelife
eventdescribedin(a)to(c)aboveandprovideus
withthefollowingevidence:
– Confirmationoftheloandrawdownforthe
mortgageintheeventofanincreaseinthe
mortgageandmovingprincipalresidence.
– Amarriagecertificateintheevent
ofmarriage.
– Abirthcertificateintheeventofabirth/legal
adoptionofachildtogetherwithacopyofan
7
appropriateAdoptionOrder.
• ThePremiumsmustbepaidinfullwhendueupto
thedateoftheexerciseoftheoption
• YourPremiumswillbere-calculatedto
takeaccountofanincreaseinbenefits
and/orTermofCover.
• Anyspecialtermsapplicablewhenthe
policywasissued.
2.3.OtherPolicyOptions
OutsidethetermssetoutinConditions2.1and2.2
above,atanystagethroughouttheTermofCoveryou
mayrequestanamendmenttotheTermofCoveror
theamountofProtectionBenefits.Youcanalsorequest
theadditionoforremovalofProtectionBenefitson
yourpolicy.AnyamendmentsoutsideofConditions
2.1and2.2abovewillbesubjecttounderwritingand
acceptancebytheCompany.Wherearequestfor
suchanamendmentisacceptedbytheCompany,this
willresultinyourPremiumbeingre-calculatedto
takeaccountofthechangesbeingmadeandwillbe
confirmedbyanendorsementtothePolicy.
3. RestartingyourPolicy
IfaPremiumhasnotbeenpaidwithin30daysfrom
thedateitwasdueforpayment,thenassetoutin
Condition1ofSectionB,yourpolicyandProtection
Benefitswillbecancelled.However,yourpolicymay
berestartedatourabsolutediscretionwithinoneyear
fromthedatethatthefirstunpaidPremiumwasdue.
Restartingyourpolicyissubjecttopaymentofall
premiumsoutstandingandthecompletionofa
DeclarationofHealthFormbyeachLifeInsured.
Dependingonwhatisdisclosedonthisformthe
Companymayrequestfurthermedicaland/orother
information,acceptordeclinethereinstatementand/
ormakechangestothepolicytermsorconditions
includingthePremiumtobepaid.
4. CancellingyourPolicy/Protection BenefitsCeasing
TheProtectionBenefit(s)willceasewhenanyoneof
thefollowingeventsoccurs:
• AclaimismadeundertheLumpSumon
DeathBenefit,onasinglelifeorthefirstdeath
inajointlifepolicy.
• YoumakeaclaimundertheAccelerated
SpecifiedIllnessBenefitwhichreducesthe
LumpSumonDeathBenefitamounttozero.
• TheLifeInsured(s)reachestheendofthe
TermofCoverfortheProtectionBenefit(s).
• Yougivewrittennotificationthatyouwishto
cancelyourpolicy.
• Wedonotreceiveapremiumonthedatethe
Premiumisdueforpaymentand30days
elapsesincethatdatethepremiumremains
unpaid.
TheCompanymayalsoretainanyPremiumspaid
underthePolicy.
5. WhoisCovered
TheLifeInsured(s)iscoveredfortheamountofthe
ProtectionBenefitsapplyinguntiltheendoftheTerm
ofCoverforeachoftheProtectionBenefits.TheLifeor
LivesInsured(s)detailsandchosenbenefitsarestated
inthePolicyScheduleoranyendorsement.Oncewe
havecollectedyourfirstPremiumandyourpolicyhas
started,theLifeorLivesInsured(s)is/arecoveredfor
theamountoftheProtectionBenefitsapplyingfrom
thelaterofthePolicyStartDateandthedatewe
collectyourfirstPremium.
WewillrequireproofoftheageoftheLifeInsured(s)
eitheronApplicationorbeforewepayaclaim.Ifitis
discoveredthattheageorthesexofaLifeInsured
hasbeenmis-stated,theamountpayableunderthe
provisionofthepolicywillbeadjustedasdetermined
bytheActuaryandmayresultinthenonpaymentof
thebenefit.TheCompanymayretainanyPremiums
paidunderthePolicy.
8
1. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
l Dolordiscereperpetuaetper,quasmentitum
l Cunibhobliqueinermissed.
l Eivixsolumoblique.
l Eiusprimisadipiscietvix,facetevim.
Dicamdignissiminius,aequemunerereformidanssitan.Vixexmodusvituperata,indoctumconceptamvimte,eueamvitaequodsi.Iniusnatumdocendi,probopertinaxexeos.Adhasvulputatecotidieque.Nameuismodmoderatiusan.
TextHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
2. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
3. SubHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
Table Heading
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
9
6. Settlement/Correspondence
Wewillmakepaymentsunderyourpolicybydirect
credittoanominatedbankaccount.Otherformsof
paymentcanbearrangedbyagreement.
Wewillsendyourcorrespondencetothemostrecent
addressgivenbyyou.Youmustnotifyusifyouchange
address.Ifyoudonot,wearenotresponsiblefor
correspondencebeingdeliveredtotheincorrect
address.
Anylettersornoticesfromyoumustbesenttousat
ourheadoffice,11/12DawsonStreet,Dublin2.
7. NoPolicyValue
Thepurposeofthispolicyistoprovidealumpsum
paymentintheeventofdeathand/or(ifselected)on
thediagnosisofaSpecifiedIllnessofaLifeInsured
duringtheTermofCover.Thispolicyisnotasavings
policyandatnopointduringthePolicyTerm,oratthe
endofthePolicyTerm,willithaveanymonetaryvalue.
8. TheActuary
TheInsurerappointsanActuarywhoseresponsibilities
includeadvisingusonhowthepolicyshouldprovide
youwithwhatyoureasonablyexpecttogetfromit.He/
shewilladviseushowtheinterestsofthePolicyholders
shouldbetakenintoaccountinanyvariationonthese
policyconditionsthatwemaypropose.
Wemayrevisetheconditionssetoutinthisdocument
if,intheopinionoftheActuary,circumstancesoutside
ourcontrolhavechangedinawaywhichcouldnot
reasonablyhavebeenpredictedatthestartofthe
policyandwhere,ifwewerenottoamendthesepolicy
conditions,theresultswouldbeunfairtotheInsureror
toourPolicyholders.Suchcircumstancesmightbe:
• achangeinthelawunderwhichthesepolicies
operate,or
• achangeinthetaxtreatmentofpolicybenefits
oroflifeassurancecompaniesandtheir
funds.
WhenconsideringanyproposalsbytheInsurerandhow
theyaffectyourinterests,theActuarywillrefertothe
GuidanceNotespreparedindependentlybytheSocietyof
ActuariesinIrelandandtoanylegislationthataffectsthe
waythathe/shemustactinthesecircumstances.The
Actuaryisrequiredtomakeastatementintheannual
returnstotheCentralBankofIrelandonwhetherhe/she
hasconformedwiththeGuidanceNotes.
9. LegalInterestinYourPolicy
Youcanusethispolicyassecurityforaloanbysigning
overyourlegalinteresttothelender.Thisisknown
asan“Assignment”.AnoticeofAssignmentmustbe
receivedbyusatourheadofficefromthepersonwho
hastakenoverthelegalinterest.Thispersonisknown
asthe“Assignee”.Thenoticemustbeinwritingand
mustshowthedateandreasonforthechangeinlegal
ownership.Wecannotacceptanyresponsibilityforthe
legaleffectorotherwiseofanyAssignments.
9
ThissectioncontainsdetailsoftheProtectionBenefits
providedbythepolicyandthecircumstancesinwhich
theyarepayable.Theparticularbenefitsapplyingtoa
LifeInsuredareshowninthePolicyScheduleorany
endorsement.IfabenefitisnotshownonthePolicy
Schedule,thatbenefitisnotprovidedbythepolicy.No
benefitispayableaftertheexpiryoftheTermofCover
forthatbenefitandnoProtectionBenefitsarepayable
aftertheexpiryofthePolicyTerm.
AllProtectionBenefitsprovidedbythepolicyare
currentlypayabletothePolicyholderfreeoftaxation.
Detailsofthecircumstanceswhenaclaimmaynotbe
payable,andtheprocedureyoumustfollowinorder
tomakeaclaim,arecontainedinSectionD“Claim
ProceduresandExclusions”.
1. DeathBenefits
1.1.LumpSumonDeath
ThisbenefitonlyappliestoaLifeInsuredifstatedon
thePolicyScheduleorsubsequentendorsement.
Thisbenefitprovidesforthepaymentofalumpsum
amountasstatedonthePolicyScheduleorany
endorsementonthedeathoftheLifeInsured(orthe
firstoftheLivesInsuredtodieifajointlifepolicy)
duringtheTermofCoverforthisbenefitasstatedin
thePolicyScheduleoranyendorsement.
TheLumpSumonDeathBenefitasstatedonthe
PolicyScheduleorsubsequentendorsementwill
reduceatmonthlyintervals.Themonthlyreductionwill
becalculatedwithreferencetotheproportionofthe
balanceoutstandingonarepaymentmortgageinan
amountequaltotheLumpSumonDeathBenefitand
forthesametermastheTermofCoverfortheLump
SumonDeathBenefitandascalculatedbytheActuary
usinganinterestrateof6%perannum.
If,underthetermsSectionB,Condition2,theTerm
ofCoverfortheLumpSumonDeathBenefithasbeen
extendedortheamountoftheLumpSumonDeath
Benefithasbeenincreased,theamountoftheLump
SumonDeathBenefitwillcontinuetoreduceat
monthlyintervalsinthemanneroutlinedabovewith
referencetotheextendedTermofCoverand/orany
revisionoftheamountofthebenefit.
ExactlywhentheLumpSumonDeathBenefitispaid
isdeterminedbythetypeofcoverthatwasselected
atthePolicyStartDateandisstatedonyourPolicy
Schedule.Thefollowingversionsofthepolicyare
available:
• SinglelifemeansthattheLumpSumonDeath
BenefitispaidwhentheonlyLifeInsured
underthepolicydiesduringtheTermofCover
forLumpSumonDeathBenefit.
• WheretherearetwoLivesInsured(jointlife)
theLumpSumonDeathBenefitispaidonthe
firstdeathofthetwoLivesInsuredunderthe
policyduringtheTermofCoverforLumpSum
onDeathBenefit.
ThepolicywillceaseonthepaymentofaLumpSum
onDeathBenefit.
IfAcceleratedSpecifiedIllnessBenefitapplies,then
theLumpSumonDeathBenefitwillbereduced(for
bothlivesinthecaseofjointlifepolicies)byanyprior
paymentofanyAcceleratedSpecifiedIllnessBenefit.
InthiseventtheremainingLumpSumonDeath
Benefitwillreducemonthlyinamannerconsistent
withanamendmentunderthiscondition.
NoclaimforLumpSumonDeathBenefitwillbe
admittedifdeatharisesfromanyoftheexclusions
containedinSectionDwhichareapplicabletoLump
SumonDeathBenefit.Theclaimsprocedures
describedinSectionDapplytoclaimsforLumpSum
onDeathBenefit.
1.1.1TerminalIllnessBenefit
ThisprovidesyouwithanearlypaymentofyourLump
SumonDeathBenefitifaLifeInsuredisdiagnosed
withaTerminalIllnessduringtheTermofCoverfor
yourLumpSumonDeathBenefit.
TerminalIllnessmeansanadvancedorrapidly
progressingincurableillness,whereintheopinionof
10
SECTION C – BENEFITS
1. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
l Dolordiscereperpetuaetper,quasmentitum
l Cunibhobliqueinermissed.
l Eivixsolumoblique.
l Eiusprimisadipiscietvix,facetevim.
Dicamdignissiminius,aequemunerereformidanssitan.Vixexmodusvituperata,indoctumconceptamvimte,eueamvitaequodsi.Iniusnatumdocendi,probopertinaxexeos.Adhasvulputatecotidieque.Nameuismodmoderatiusan.
TextHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
2. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
3. SubHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
Table Heading
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
11
anattendingmedicalConsultantofanIrishorUnited
KingdomHospitalandourCompany’sChiefMedical
Officer,aLifeInsured’slifeexpectancyisnogreater
than12months.IntheeventofTerminalIllness,the
TerminalIllnessBenefitpaymentwillnotapplywhere
therearelessthan18monthstogototheendofthe
TermofCoverforLumpSumonDeathBenefit.
TheTerminalIllnessBenefitwillbetheLumpSumon
DeathBenefitasoutlinedabove.Thepolicywillcease
followingtheTerminalIllnessBenefitbeingpaidout.
Inthecaseofajointlifepolicythisbenefitispayable
onthediagnosisofaTerminalIllnessofthefirstofthe
LivesInsured.
IntheeventofTerminalIllnessnoclaimwillbe
admittedifTerminalIllnessarisesfromanyofthe
exclusionscontainedinSectionDwhichareapplicable
toTerminalIllnessBenefit.Theclaimsprocedures
describedinSectionDapplytoclaimsforTerminal
IllnessBenefit.
1.1.2AccidentalDeathBenefit
IfaLifeInsuredisunderage55whenyousubmit
yourApplicationandyouhavechosenLumpSumon
Deathasabenefit,thenthepolicywillpayabenefit
ofthechosenLumpSumonDeathamountuptoa
maximumof?150,000shouldtheLifeInsureddiedue
toAccidentalDeath(orinthecaseofanapplicationfor
ajointlifepolicy,ontheAccidentalDeathofthefirstto
dieoftheLivesInsured)fromonorafterthedatethat
wereceiveyourcompletedApplicationinNewIreland’s
headoffice.
AccidentalDeathmeansdeathresultingfromaninjury
causedbyaccidental,violent,externalandvisible
meansandisinnowaylinkedtosickness,diseaseor
physicaldisorderofaLifeInsured.
AnAccidentalDeathdoesnotincludeanyofthe
followingcauses:
– suicide,attemptedsuicideorintentionalself
inflictedinjury
– deathlinkedtobeingundertheinfluenceofor
beingaffected(temporarilyorotherwise)by
alcoholordrugs
– engaginginmotorsports(includingmotorcars,
motorcyclesandspeedboats),rockclimbing,
mountaineeringinwhichtheuseofropesor
guidesisneeded,potholing,ordivingusing
artificialbreathingapparatus
– flying,exceptasafarepayingpassenger
– takingpartinanyriot,civilcommotion,
uprisingorwar(whetherdeclaredornot)or
anyrelatedactorincident
AccidentalDeathBenefitcoverwillceasewhen:
• theApplicationisunderwrittenandaccepted
onnormalterms;
• specialtermsareoffered;
• theApplicationisrefused;
• theApplicationispostponed;
• 30dayshavepassedsincethedatethe
completedApplicationwasreceivedinNew
Ireland’sheadoffice,
whicheverisearlier.
WewillonlypayonceunderAccidentalDeathBenefit
inrespectofanyLifeInsured,regardlessofthe
numberofApplicationsapersonhaswithNewIreland
Assurance.Thepolicywillceaseonpaymentofthe
AccidentalDeathBenefit.
2. AdditionalBenefits
2.1.AcceleratedSpecifiedIllnessBenefit
ThiscoverappliestoaLifeInsuredonlyifstatedinthe
PolicyScheduleorsubsequentendorsement.The
benefitisonlypayableiftheLifeInsuredisdiagnosed
withaSpecifiedIllnessasoutlinedinAppendixA
duringtheTermofCoverfortheAcceleratedSpecified
IllnessBenefitasstatedinthePolicySchedule.
ThisprovidesyouwithalumpsumamountifaLife
InsuredisdiagnosedwithaSpecifiedIllnessas
outlinedinAppendixAduringtheTermofCoverfor
theAcceleratedSpecifiedIllnessBenefit.Thebenefit
isonlyavailablewithLumpSumonDeathBenefit
andtheLumpSumonDeathBenefitwillbereduced
bytheamountofanyAcceleratedSpecifiedIllness
Benefitpaid.TheAcceleratedSpecifiedIllnessBenefit
decreasesatthesameintervalsandinthesame
mannerastheLumpSumonDeathBenefit,as
describedinSectionC,Condition1.
IntheeventofaclaimforAcceleratedSpecified
IllnessBenefitwhichisrelatedtoapriorclaimfor
PartialPaymentSpecifiedIllnessSeriousAccident
11
Cover(Number9ofAppendixB),theamountofany
AcceleratedSpecifiedIllnessBenefitpaymentwill
bereducedbytheamountofanyPartialPayment
SpecifiedIllnessBenefitpaid.
Ifthepolicyisajointlifepolicy,andAccelerated
SpecifiedIllnessBenefitisstatedtoapplyinthePolicy
Schedule,thentheamountofAcceleratedSpecified
IllnessBenefitappliestobothLivesInsuredunless
statedotherwiseinthespecialprovisions.
TheAcceleratedSpecifiedIllnessBenefitcoverwill
ceaseuponpaymentofanyclaimforAccelerated
SpecifiedIllnessBenefit.
2.1.1PartialPaymentSpecifiedIllnessBenefitThisisanadditionalbenefitthatautomaticallyapplies
toaLifeInsurediftheirPolicyScheduleorsubsequent
endorsementstatesthatAcceleratedSpecifiedIllness
BenefitappliestotheLifeInsured.
ThisprovidesyouwithalumpsumifaLifeInsuredis
diagnosedwithaPartialPaymentSpecifiedIllnessas
outlinedinAppendixBduringtheTermofCoverofthe
AcceleratedSpecifiedIllnessBenefit.
ForthePartialPaymentSpecifiedIllnessAngioplasty
forCoronaryArteryDisease–ofspecifiedseverity
(Number1ofAppendixB),themaximumamountwe
willpayisthelowerof:
• €40,000or;
• 75%oftheAcceleratedSpecifiedIllnessBenefitat
thetimeoftheproceduretakingplace.
FortheotherPartialPaymentSpecifiedIllnesses
outlinedinAppendixB,theamountwewillpayisthe
lowerof:
• €15,000or;
• 50%oftheAcceleratedSpecifiedIllnessBenefitat
thetimeoftheillnessbeingdiagnosedorspecified
surgerytakingplace,asappropriate.
WewillmakeonlyonepaymentunderthisPartial
PaymentSpecifiedIllnessBenefitforeachofthe
PartialPaymentSpecifiedIllnessesoutlinedin
AppendixB.
WiththeexceptionofaPartialPaymentSpecified
IllnessBenefitpaidinrespectofSeriousAccident
Cover(Number9ofAppendixB),aPartialPayment
SpecifiedIllnessBenefitisindependentofthe
AcceleratedSpecifiedIllnessBenefit.
ThetotalamountwewillpayunderPartialPayment
SpecifiedIllnessBenefitislimitedtotheamountofthe
AcceleratedSpecifiedIllnessBenefit.
WewillnotpayanyPartialPaymentSpecifiedIllness
BenefitifaLifeInsureddieswithin14daysofthedate
thePartialPaymentSpecifiedIllnessisdiagnosedor
thespecifiedsurgerytakingplace,asappropriate.
IfaclaimunderPartialPaymentSpecifiedIllness
Benefitispaidandwithin30daysofthediagnosisor
surgery,asappropriate,anadmissibleclaimarises
undertheAcceleratedSpecifiedIllnessBenefit,then
theoverallamountpaidoutwillbetheAccelerated
SpecifiedIllnessBenefitamountatthattime.Once30
dayshaveelapsedsincethediagnosisorsurgeryofa
PartialPaymentSpecifiedIllness,asappropriate,then
anyadmissibleclaimforAcceleratedSpecifiedIllness
Benefitwillbeassessedandpaidindependently.
IntheeventofaclaimforAcceleratedSpecified
IllnessBenefitwhichisrelatedtoapriorclaimfor
PartialPaymentSpecifiedIllnessSeriousAccident
Cover(Number9ofAppendixB),theamountofany
AcceleratedSpecifiedIllnessBenefitpaymentwill
bereducedbytheamountofanyPartialPayment
SpecifiedIllnessBenefitpaid.
OnceanAcceleratedSpecifiedIllnessBenefitclaim
ispaid,thePartialPaymentSpecifiedIllnessBenefit
ceasesimmediately.
2.1.2WaitingListBenefit
IfaLifeInsuredismakingaclaimrelatingto
• CoronaryArteryBy-passGrafts-withsurgeryto
dividethebreastbone;
• Heartstructuralrepairwithsurgerytodividethe
breastbone;
• HeartValveReplacementorRepair–withsurgeryto
dividethebreastbone;
• PulmonaryArteryGraftSurgery-withsurgeryto
12
1. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
l Dolordiscereperpetuaetper,quasmentitum
l Cunibhobliqueinermissed.
l Eivixsolumoblique.
l Eiusprimisadipiscietvix,facetevim.
Dicamdignissiminius,aequemunerereformidanssitan.Vixexmodusvituperata,indoctumconceptamvimte,eueamvitaequodsi.Iniusnatumdocendi,probopertinaxexeos.Adhasvulputatecotidieque.Nameuismodmoderatiusan.
TextHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
2. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
3. SubHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
Table Heading
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
13
dividethebreastbone;or
• AortaGraftSurgery–fordiseaseortraumatic
Injury,
andtheclaimisacceptedbytheCompany,wewill
makeapaymentinadvanceoftheLifeInsured
undergoingthesurgeryifaConsultantofan
IrishorUnitedKingdomHospitalconfirmstoour
Company’sChiefMedicalOfficer’ssatisfactionthat
thesurgeryisnecessaryformedicalreasons,and
theLifeInsuredisonanIrishorUnitedKingdom
Hospitalwaitinglist.Theadvancepaymentwillbe
50%oftheAcceleratedSpecifiedIllnessBenefitatthe
timetheLifeInsuredgoesontheHospitalwaitinglist,
subjecttoamaximumof€32,500.
AcceleratedSpecifiedIllnessBenefitandLump
SumonDeathBenefitwillbereduced(forboth
livesinthecaseofjointlifepolicies)bytheamount
oftheadvancepayment.ThereducedAccelerated
SpecifiedIllnessBenefitwillbecomepayablewhenthe
LifeInsuredactuallyundergoesthesurgery.
IntheeventofaWaitingListBenefitbeingpaid,the
remainingAcceleratedSpecifiedIllnessBenefitwill
reduceduringtheremainingTermofCoverin
accordancewiththeprinciplesoutlinedinrelationto
amendmentsinSectionC,Condition1.
ForaclaimforAcceleratedSpecifiedIllnessBenefit
(includingPartialPaymentSpecifiedIllnessBenefit)
tobevalidyoumustnotifyuswithin90daysofthe
diagnosisoftheillnessorthedateofthespecified
surgery,asappropriate.Themaximumamountpaidout
asAcceleratedSpecifiedIllnessBenefitisthatshownin
thePolicyScheduleasapplyingtoaLifeInsured,oras
subsequentlychangedorreducedovertheremaining
terminlinewiththeproportionatereductiondescribed
inSectionC,Condition1.
WhathappensonthediagnosisofaLifeInsuredwitha
SpecifiedIllnessdependson
•whetherAcceleratedSpecifiedIllnessBenefitapplies
tothatLifeInsured,
•theSpecifiedIllnesstheLifeInsuredisdiagnosed
with,and
•whetherthepolicyisasingleorjointlifepolicy.
NoclaimforAcceleratedSpecifiedIllnessBenefit
(includingPartialPaymentSpecifiedIllnessBenefit)will
beadmittediftheSpecifiedIllness(includingPartial
PaymentSpecifiedIllness)arisesfromanyofthe
exclusionscontainedinSectionDwhichareapplicable
toAcceleratedSpecifiedIllnessBenefit(including
PartialPaymentSpecifiedIllnessBenefit).Theclaims
proceduresdescribedinSectionDapplytoclaimsfor
AcceleratedSpecifiedIllnessBenefit(includingPartial
PaymentSpecifiedIllnessBenefit)
2.2AccidentPayment
AccidentPaymentonlyappliestoaLifeInsuredif
statedinthePolicySchedule.Theamountofbenefit
willbethelesserof50%oftheLifeInsured’saverage
grossweeklyearningsinthetwelvemonthperiod
priortothedateoftheclaimandtheamountofbenefit
statedinthePolicySchedule.Confirmationofearnings
fromanindependentsourcemayberequired.
IfaLifeInsuredistemporarilydisabledduetoan
accidentasdefinedinthisCondition,foracontinuous
periodofmorethan2weeksbeforehisorher65th
birthday,AccidentPaymentispayableinrespectof
eachwholeweekoftemporarydisabilityduetoan
accidentafterthelaterofthefirst2weeksandthe
dateofnotificationofaclaimforAccidentPayment.
NotificationofaclaimforAccidentPaymentmustbe
receivedwithin30daysoftheeventgivingrisetosuch
claim.Wewillonlypayamaximumof52weeksbenefit
intotalduringtheTermofCoverinrespectofanyLife
Insuredregardlessofthenumberofpoliciesaperson
haswithNewIreland.
Iftwoperiodsoftemporarydisabilityduetoanaccident
areseparatedbylessthanaweek,thentheywillbe
treatedasonecontinuousperiod.
ForthisCondition,temporarilydisabledduetoan
accidentmeansthattheLifeInsuredis,intheopinion
oftheCompany’sChiefMedicalOfficer,asaresultof
accidentalinjury,totallyunabletocarryouthisorher
normaloccupationasstatedintheApplicationform
onatemporarybasis,andisnotcarryingoutanyother
gainfuloccupation.
Accidentalinjuryandanyresultinginabilitybythe
LifeInsuredtocarryouthisorhernormaloccupation
mustbeverified,byaregisteredmedicalpractitioner
13
14
intheRepublicofIrelandortheUnitedKingdom,to
thesatisfactionoftheCompany’sChiefMedicalOfficer.
Accidentalinjurymeansthattheinjurymustbecaused
byaccidental,violent,externalandvisiblemeansandis
nowaylinkedtosickness,diseaseorphysicaldisorderof
theLifeInsured.
AccidentPaymentcoverceasesontheLifeInsured’s
65thbirthdayortheexpiryofthechosenTermofCover
oronpaymentofaclaimforAcceleratedSpecified
IllnessBenefit,whicheverfirstoccurs.
NoclaimforAccidentPaymentispayableiftheLife
Insuredisunemployedorredundantatthetimeofthe
eventgivingrisetoaclaim.
NoclaimforAccidentPaymentispayableunlessthe
Companyreceiveswrittennotificationoftheoccurrence
oftheeventgivingrisetoaclaimforAccidentPayment
within30daysofthedateofsuchevent.
NoclaimforAccidentPaymentwillbeadmittedif
temporarydisabilityduetoaccidentarisesfromany
oftheexclusionscontainedinSectionDwhichare
applicabletoAccidentPayment.Theclaimsprocedures
describedinSectionDapplytoclaimsforAccident
Payment.
2.3.HospitalisationPayment
HospitalisationPaymentonlyappliestoaLifeInsured
ifstatedinthePolicySchedule.
ThebenefitispayableinrespectofeverydaythateachLife
InsuredisconfinedtoHospitalasaresultofsicknessor
injury,providedthattheperiodisatleast3days(ora
continuous24hoursiftheLifeInsuredisinintensivecare).
IfaLifeInsuredisdischargedfromHospital,andis
thenre-admittedwithin7days,thetwoperiodsof
hospitalisationwillbetreatedasonecontinuousperiod.
HospitalisationPaymentcoverceasesontheLife
Insured’s65thbirthdayortheexpiryofthechosen
TermofCover,whicheverfirstoccurs.
HospitalisationPaymentwillnotbepaidformore
than365daysintotalduringtheTermofCoverfor
HospitalisationPayment.
ForthisConditiona“day”meansaperiodof24
consecutivehours.
NoclaimforHospitalisationPaymentwillbeadmittedif
hospitalisationarisesfromanyoftheexclusionscontained
inSectionDwhichareapplicabletoHospitalisation
Payment.TheclaimsproceduresdescribedinSection
DapplytoclaimsforHospitalisationPayment.
2.4.BrokenBonesPayment
BrokenBonesPaymentonlyappliestoaLifeInsured
ifstatedinthePolicySchedule.Theamountofbenefit
payableandthespecifiedinjuriescoveredarelistedbelow.
Ifaninjuryisnotlistedbelowthenitisnotcovered.
Specified Injury Definition Amount
Upper leg fracture Breaking the femur or hip. e3,000
Hip dislocation Displacement of the femur e1,700 from the acetabulum.
Open fracture A compound fracture where e3,000 of the skull the bone ends have
pierced the overlying skin with significant damage to the surrounding tissues (the nasal bones are not included).
Closed fracture A simple fracture (including e1,700 of the skull a hairline fracture) with little
damage to the surrounding tissue and no break in the overlying skin (the nasal bones are not included).
Lower leg or Breaking the tibia, fibula, e1,700 ankle fracture patella or tarsus (ankle bone).
Ankle dislocation Displacement of the talus e2,500 bone from the socket formed by the lower end of the tibia and fibula.
Arm fracture Breaking the humerus or the e1,700 upper two thirds of the radius or ulna.
Wrist fracture Breaking of any carpal bones or e1,300 lower one third of the radius or ulna (excluding metacarpals and phalanges, which are in the hand).
Jaw or Breaking the mandible, e1,300 cheekbone maxilla or cheekbone (the fracture nasal bones are not included).
Foot fracture Breaking the oscalcis, talus, e1,300 the tarsal bones or metatarsal bones (the toes (phalanges) are not included).
Elbow Displacement of the ulna to e1,700 dislocation radius bone in relation to
the lower end of the humerus.
Shoulder Displacement of the head e1,300 dislocation of the humerus from
the glenoid fossa.
Vertebrae, A breaking involving the e1,300 shoulder blade or body of any of the vertebrae, sternum fracture the scapula or the sternum.
Rib or collar Breaking any of the ribs e1,000 bone fracture or clavicle.
1. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
l Dolordiscereperpetuaetper,quasmentitum
l Cunibhobliqueinermissed.
l Eivixsolumoblique.
l Eiusprimisadipiscietvix,facetevim.
Dicamdignissiminius,aequemunerereformidanssitan.Vixexmodusvituperata,indoctumconceptamvimte,eueamvitaequodsi.Iniusnatumdocendi,probopertinaxexeos.Adhasvulputatecotidieque.Nameuismodmoderatiusan.
TextHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
2. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
3. SubHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
Table Heading
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
1515
BrokenBonesPaymentisonlypayableinrespectof
accidentalinjuriesthatareverifiedtothesatisfaction
oftheCompany’sChiefMedicalOfficer,that
necessitatemedicaltreatmentbyaregisteredmedical
practitionerintheRepublicofIrelandortheUnited
Kingdom.Accidentalinjurymeanstheinjurymust
becausedbyaccidental,violent,externalandvisible
meansandisinnowaylinkedtosickness,diseaseor
physicaldisorderoftheLifeInsured.
Ifasingleaccidentresultsinmorethanonespecified
injurywewillpayonlyonebenefitandtheamount
payablewillbethehighestindividualamountwhich
wouldbepaidinrespectofthespecifiedinjuries
suffered.
Intheeventoftherebeingmorethanoneaccident
inanyfourweekperiodresultinginmorethanone
specifiedinjurywewillpayonlyonebenefitandthe
amountpayablewillbethehighestindividualamount
whichwouldbepaidinrespectofthespecifiedinjuries
suffered.
TheoverallmaximumamountpayableduringtheTerm
ofCoverinrespectofaLifeInsuredunderthisbenefit
is?25,000.Thebenefitiscancelledinrespectofthe
LifeInsuredwhenthatlimitisreached.
BrokenBonesPaymentceasesontheLifeInsured’s
65thbirthdayortheexpiryofthechosenTermofCover
oronpaymentofaclaimforAcceleratedSpecified
IllnessBenefit,whicheverfirstoccurs
NoclaimforBrokenBonesPaymentwillbeadmitted
ifthespecifiedinjuryarisesfromanyoftheexclusions
containedinSectionDwhichareapplicabletoBroken
BonesPayment.Theclaimproceduresdescribedin
SectionDapplytoclaimsforBrokenBonesPayment.
2.5.SurgeryPayment
SurgeryPaymentonlyappliestoaLifeInsuredifstated
inthePolicySchedule.Theamountofbenefitpayable
andthesurgicalprocedurescoveredarelistedbelow.
Ifasurgicalprocedureisnotlistedbelow,itisnot
covered.
Surgeryisdefinedasrequiringasurgicalincisionand
operationtooronanorganorbodypartandmust,in
theopinionoftheCompany’sChiefMedicalOfficerbe
medicallyneccessary,performedinanIrishorUnited
KingdomHospitalandmustbecarriedoutunder
generalorspinalanaesthesia.
IntheeventoftheLifeInsuredundergoingoneof
thefollowingsurgicalprocedures,theamountof
thebenefitpayablewillbe12.5%oftheAccelerated
SpecifiedIllnessBenefitatthetimeofthesurgery
subjecttoamaximumof?32,500:
• Surgerytothebrainormeningesofthebrain
excludingsurgeriestothepituitarygland,
pinealglandsandcerebralarteries;
• Surgerytothecranialnerves;
• Surgerytothelungs
• Surgerytotheliver
IntheeventoftheLifeInsuredundergoingoneofthe
followingsurgicalprocedures,theamountofbenefit
payablewillbe5%oftheLifeInsured’sAccelerated
SpecifiedIllnessBenefitatthetimeofthesurgery
subjecttoamaximumof€13,000:
• Hiporkneereplacement;
• Surgerytotheintervertebraldiscs
• Surgerytothespinalcordorcanalexcluding
spinalpunctureorinjection;
• Surgerytothekidneysorpancreasorspleen;
• Surgerytotheurinarybladderexcluding
surgeriesorproceduresforurinary
incontinence,bladderprolapse,rectalprolapse,
vaginalprolapseoruterineprolapse
• Surgerytothelarynxexcludingbenignpolyps
ornodulesofthevocalchords;
• Surgerytotheoesophagusincludingrepairof
hiatushernia;
• Surgerytothecolonandrectumexcluding
surgeriestotheanus;
• Surgerytothepharynxexcludingadenoids;
• Surgerytothecerebralorcarotidoriliacor
femoralarteries;
• Surgerytothepituitaryorpinealglands;
• Surgerytotheadrenalglands;
• Surgerytothestomach,duodenum,jejunumor
ileum;
• Surgerytothethymus;
• Surgerytothethyroidorparathyroid;
• Surgerytotheureter;
16
SurgeryPaymentwillonlybepayableamaximumof
fourtimesinrespectofaLifeInsured.Thebenefitis
cancelledinrespectoftheLifeInsuredwhenthatlimit
isreached.TheoverallmaximumSurgeryPayment
payableinrespectofaLifeInsuredunderthepolicy
isthelesserof€132,000and50%oftheAccelerated
SpecifiedIllnessBenefitatthetimeofthesurgery.
IfAcceleratedSpecifiedIllnessBenefitispayablein
respectofaLifeInsured,SurgeryPaymentwillbe
cancelled.IfonreceiptofaclaimforSurgeryPayment
theCompanyissatisfiedthattheconditionsofpayment
forAcceleratedSpecifiedIllnessBenefitarefulfilled,
theCompanywillpaytheAcceleratedSpecifiedIllness
BenefitprovidedbythepolicyandnoSurgeryPayment
willbepayablebytheCompany.
SurgeryPaymentcoverceasesontheLifeInsured’s
65thbirthdayortheexpiryofthechosenTermofCover
oronpaymentofaclaimforAcceleratedSpecified
IllnessBenefit,whicheverfirstoccurs.
IftheconditionorsurgerygivingrisetoaSurgery
PaymentclaimalsogivesrisetoaPartialPayment
SpecifiedIllnessBenefitclaim,thenwewillonlypayout
thehigherbenefitamount.
WheretherearetwoormorevalidSurgicalPayment
claimsinrespectofaLifeInsuredarisingfromsurgical
operationswithin14daysofeachother,onlyone
SurgicalPaymentbenefitwillbepaid.
WewillonlymakeonepaymentunderthisSurgery
Paymentforeachofthesurgeriesoutlinedinthis
Condition.
NoclaimforSurgeryPaymentwillbeadmittedifthe
surgicalprocedurearisesfromanyoftheexclusions
containedinSectionDwhichareapplicabletoSurgery
Payment.TheclaimsproceduresdescribedinSectionD
applytoclaimsforSurgeryPayment.
3. Children’sProtectionBenefitsChildren’sProtectionBenefitsapplytoallthenatural
orlegallyadoptedchildrenoftheLifeorLivesInsured
whoareagedbetween6monthsand18yearsatthe
datethebenefitispayableandallnaturalorlegally
adoptedchildrenoftheLifeorLivesInsuredaged,
atthedatethebenefitispayable,between18and21
yearswhoareinfulltimeeducation.
NoclaimforChildren’sProtectionBenefitswillbe
admittediftheclaimarisesfromanyoftheexclusions
containedinSectionDwhichareapplicableto
Children’sProtectionBenefits.Theclaimprocedures
describedinSectionDapplytoclaimsforChildren’s
ProtectionBenefits.
3.1.Children’sLumpSumonDeath
Anamountof?4,000ispayableonthedeathofachild
ofaLifeInsuredduringtheTermofCoverforLump
SumonDeathBenefitfortheLifeInsured.
Themaximumamountofbenefitpayableinrespect
ofanychildfromallpoliciesissuedbytheCompany
cannotbemorethan?4,000.
3.2.Children’sSpecifiedIllnessBenefit
IfAcceleratedSpecifiedIllnessBenefitappliestoaLife
Insured,thelesserof50%oftheAcceleratedSpecified
IllnessBenefitatthetimeoftheillnessbeing
diagnosedorthespecifiedsurgerytakingplace,as
appropriate,andE25,000ispayableifachildofaLife
InsuredisdiagnosedashavinganyoftheSpecified
IllnessesasoutlinedinAppendixAduringtheLife
Insured’sTermofCoverforAccelerated
SpecifiedIllnessBenefit.
IfachildofaLifeInsuredisdiagnosedashavingany
ofthePartialPaymentSpecifiedIllnessesoutlinedin
AppendixBduringtheLifeInsured’sTermofCoverfor
AcceleratedSpecifiedIllnessBenefit,theamountwe
willpayisthelowerof:
• E7,500or;
• 50%oftheAcceleratedSpecifiedIllnessBenefitat
thetimeofbeingdiagnosedorspecifiedsurgery
takingplace,asappropriate
Thechildmustsurviveforatleast14daysfollowing
thediagnosisorthedateofaspecifiedsurgerytaking
placeasoutlinedinAppendixAand/orAppendixB
fortheChildren’sSpecifiedIllnessBenefitorPartial
PaymentSpecifiedIllnessBenefittobepayable.
1. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
l Dolordiscereperpetuaetper,quasmentitum
l Cunibhobliqueinermissed.
l Eivixsolumoblique.
l Eiusprimisadipiscietvix,facetevim.
Dicamdignissiminius,aequemunerereformidanssitan.Vixexmodusvituperata,indoctumconceptamvimte,eueamvitaequodsi.Iniusnatumdocendi,probopertinaxexeos.Adhasvulputatecotidieque.Nameuismodmoderatiusan.
TextHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
2. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
3. SubHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
Table Heading
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
1717
Children’sSpecifiedIllnessBenefitandPartial
PaymentSpecifiedIllnessBenefitisonlypayableonce
inrespectofanychildandthemaximumamountof
benefitpayableinrespectofanychildfromallpolicies
issuedbytheCompanycannotbemorethanE25,000
inthecaseofChildren’sSpecifiedIllnessBenefitand
E7,500inthecaseofaPartialPaymentSpecified
IllnessBenefit.
WiththeexceptionofaPartialPaymentSpecified
IllnesspaidinrespectofSeriousAccidentCover
(Number9ofAppendixB),aPartialPaymentSpecified
IllnessBenefitisindependentoftheChildren’s
SpecifiedIllnessBenefit.
IntheeventofaclaimforChildren’sSpecified
IllnessBenefitwhichisrelatedtoapriorclaimfor
PartialPaymentSpecifiedIllnessSeriousAccident
Cover(Number9ofAppendixB),theamountofany
Children’sSpecifiedIllnessBenefitpaymentwill
bereducedbytheamountofanyPartialPayment
SpecifiedIllnessBenefitpaid.
OnceaChildren’sSpecifiedIllnessBenefitclaimis
paid,thePartialPaymentSpecifiedIllnessBenefit
ceasesimmediatelyforanychild.
3.3.Children’sHospitalisationPayment
IfHospitalisationPaymentappliestoaLifeInsured,
aChildren’sHospitalisationPaymentof?35per
dayappliestothechildrenoftheLifeInsured.The
Children’sHospitalisationPaymentispayablein
respectofeverydaythatthechildisconfinedto
HospitalduringtheLifeInsured’sTermofCoverfor
HospitalisationPaymentasaresultofsicknessor
injury,providedthattheperiodisatleast3days.For
thisconditiona‘day’meansaperiodof24consecutive
hours.Children’sHospitalisationPaymentwillnotbe
paidformorethan365daysintotalduringtheLife
Insured’sTermofCoverforHospitalisationPaymentin
respectofanychild.
Unlessachildhasbeenlegallyadopted,thenameof
aLifeInsuredmustappearasaparentonthechild’s
birthcertificate.
18
1. ClaimProcedures
TheCompanymustreceiveacompletedclaimform
togetherwiththispolicydocumentincludingthePolicy
Scheduleatitsheadofficeat11/12DawsonStreet,
Dublin2.Allitemsofproof,certificates,information,
medicalandotherevidencethattheCompanymay
requireinsupportofaclaimmustbeprovidedatyour
ownexpense.
Wheretheconditionsrequirethediagnosisbya
Consultant,heorshemustbeaConsultantofanIrish
orUnitedKingdomHospital.
Allclaimsshouldbenotifiedtousassoonaspossible
aftertheevent.Anyclaimmustbereceivedwithin90
daysoftheeventorthediagnosisgivingrisetothe
claim(exceptforthespecialproceduresthatapplyto
claimsinrelationtoHIVinfectioncontractedfroma
bloodtransfusion,physicalassaultoratwork(please
refertoAppendixAforfurtherdetails)andAccident
Paymentwherewerequirewrittennotificationof
theoccurrenceoftheeventgivingrisetoaclaimfor
AccidentPaymentwithin30daysofthedateofsuch
event.
2. Exclusions
Thereareanumberofcircumstancesinwhichaclaimfor
paymentofaProtectionBenefitoraChildren’sProtection
Benefitwillnotbeadmittedorpaid.Theseexclusions,
andtheProtectionBenefitstowhichtheyapply,areas
follows:
•NoclaimforHospitalisationPayment,Children’s
HospitalisationPayment,AccidentPayment,Surgery
PaymentorBrokenBonesPaymentispayableifa
LifeInsured,orwhererelevantthechildofaLife
Insured,isresidentoutsidetheRepublicofIreland
ortheUnitedKingdomformorethan13weeksin
anyconsecutive12monthperiodpriortothetimeof
claim.
•NoclaimforAcceleratedSpecifiedIllnessBenefit
orChildren’sSpecifiedIllnessBenefit(including
PartialPaymentSpecifiedIllnessBenefit)ispayable
ifaLifeInsured,orwhererelevant,thechildofa
LifeInsured,isresidentoutsidethecountriesof
theEuropeanUnionasatthe1stJanuary2011
(Austria,Belgium,Bulgaria,Cyprus,CzechRepublic,
Denmark,Estonia,Finland,France,Germany,
Greece,Hungary,Ireland,Italy,Latvia,Lithuania,
Luxembourg,Malta,Netherlands,Poland,Portugal,
Romania,Slovakia,Slovenia,Spain,Sweden,United
Kingdom)orAustralia,Canada,NewZealand,
Norway,SwitzerlandortheUnitedStatesofAmerica
formorethan13weeksinanyconsecutive12month
periodpriortothetimeofclaim.
•NoLumpSumonDeathBenefit,TerminalIllness
BenefitorChildren’sLumpSumonDeathBenefit
ispayableiftheLifeInsuredorachildoftheLife
Insureddiesbyhisorherownhandoractoris
diagnosedasbeingterminallyillasaresultof
hisorherowndeliberateactwithin1yearofthe
PolicyStartDateorwithin1yearofthedateof
anyreinstatementofthepolicyorwithin1year
ofavoluntaryincreaseinLumpSumonDeath
Benefit,orwithin1yearofbeingaddedontothe
policy,whicheverisapplicable,exceptthatifthe
policyhasbeenAssignedtoathirdpartyingood
faith,thebenefitpayableislimitedtotheinterest
ofthatthirdpartywhichwasacquiredformonetary
consideration.
•Anyspecificexclusionsrelatingtoparticular
illnessescoveredbyAcceleratedorChildren’s
SpecifiedIllnessBenefit(includingPartialPayment
SpecifiedIllnessBenefit)arecontainedinthe
relevantpartofAppendixAand/orAppendixB.
•NoclaimforHospitalisationPaymentorChildren’s
HospitalisationPaymentispayablewithinthe
first9monthsofthePolicyStartDateorwithin
the9monthsfollowinganyreinstatementofthe
policy,orwithin9monthsofavoluntaryincrease
inHospitalisationPayment,orwithin9monthsof
theHospitalisationPaymentbeingaddedtothe
policy,ifthehospitalisationisduetopregnancyora
pregnancyrelatedcomplication.
•NoclaimforHospitalisationPaymentorChildren’s
HospitalisationPaymentispayablewithinthe
first2yearsofthePolicyStartDateorwithin
the2yearsfollowinganyreinstatementofthe
SECTION D – CLAIM PROCEDURES AND EXCLUSIONS
1. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
l Dolordiscereperpetuaetper,quasmentitum
l Cunibhobliqueinermissed.
l Eivixsolumoblique.
l Eiusprimisadipiscietvix,facetevim.
Dicamdignissiminius,aequemunerereformidanssitan.Vixexmodusvituperata,indoctumconceptamvimte,eueamvitaequodsi.Iniusnatumdocendi,probopertinaxexeos.Adhasvulputatecotidieque.Nameuismodmoderatiusan.
TextHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
2. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
3. SubHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
Table Heading
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
1919
policyorwithin2yearsofavoluntaryincreasein
HospitalisationPayment,orwithin2yearsofthe
HospitalisationPaymentbeingaddedontothepolicy
ifhospitalisationisduetoaconditionfromwhich
theLifeInsuredsufferedbeforethePolicyStartDate
orthedateofanyreinstatementofthepolicy,or
thedateofavoluntaryincreaseinHospitalisation
PaymentorthedateHospitalisationPaymentwas
addedtothepolicy,whicheverisapplicable.
•NoclaimforHospitalisationPaymentorChildren’s
HospitalisationPaymentispayableifhospitalisation
isduetocosmeticorelectivesurgery,psychiatric
illness,orfailuretoseekorfollowmedicaladvice.
•NoclaimforSurgicalPaymentispayableinrespect
ofprocedureswhichareendoscopic,diagnostic,
investigative,exploratoryorcosmetic,organor
tissuedonation,surgerytothetonsils,surgeryto
theappendix,surgeryforhaemorrhoids,surgery
duetoselfinflictedinjury,electivesurgery,cosmetic
surgery,diagnosticorexploratorysurgeryincluding
genetic,foetal,contraceptiveorcontraceptive
reversalprocedures,infertilitytreatment,pregnancy,
childbirth,orterminationofpregnancy.
•NoclaimforAccidentPayment,SurgeryPayment
orBrokenBonesPaymentispayableinrespectof
claimsarisingfromaccidents,injuriesorillnesses
whichoccurbeforethePolicyStartDateorbefore
thedateofanyreinstatementofthepolicy,orbefore
thedatethatanyofthesebenefitswereaddedto
thepolicy,oraftertheLifeInsuredpasseshis/her
65thbirthday,andinadditioninrelationtoAccident
Paymentbeforethedateofavoluntaryincreaseto
thisbenefit.
•NoclaimforaChildren’sProtectionBenefit
ispayableiftheclaimis,intheopinionofthe
Company’sChiefMedicalOfficer,duetoany
congenitalillnessand/ormedicalconditionwhich
existedwhethersymptomswerepresentornot
•sincethedateofbirthofthechild;or
•beforethePolicyStartDate;or
•beforethedatetheChildren’sProtectionBenefit
becomesapplicableunderthepolicy;
•beforethedateofanyincreaseinProtection
Benefits
•beforethedateofanyreinstatementofthepolicy,
whereapplicable;or
•beforethedatethechildwaslegallyadopted;or
•beforethechildwas6monthsold
•ThespecificexclusionsrelatingtoAccidentalDeath
BenefitarecontainedinSectionC,Condition1.1.2.
Specified Illnesses
1.Alzheimer’sDisease–resultinginpermanentsymptoms
AdefinitediagnosisofAlzheimer’sDiseasebya
ConsultantNeurologistofanIrishorUnitedKingdom
Hospital.Theremustbepermanentclinicallossofthe
abilitytodoallofthefollowing:
• remember;
• reason;and
• perceive,understand,expressandgiveeffect
toideas.
Fortheabovedefinition,thefollowingisnotcovered:
• Alzheimer’sDiseasesecondarytoalcoholor
drugmisuse
2.AortaGraftSurgery–fordiseaseortraumaticinjury
Theundergoingofsurgerytotheaortawithexcision
andsurgicalreplacementofaportionoftheaortawith
agraft.
Thetermaortameansthethoracicandabdominal
aortabutnotitsbranches.
Fortheabovedefinition,thefollowingisnotcovered:
• Anyothersurgicalprocedure,forexamplethe
insertionofstentsorendovascularrepair.
3.AplasticAnaemia-ofspecifiedseverity
AdefinitediagnosisbyaConsultantHaematologistof
anIrishorUnitedKingdomHospitalofpermanentbone
marrowfailurewhichresultsinanaemia,neutropenia
andthrombocytopeniaandrequiresasaminimumone
ofthefollowingtreatments:
• Bloodtransfusion;
• Bone-marrowtransplantation;
• Immunosuppressiveagents;
• MarrowStimulatingagents.
Allotherformsofanaemiaarespecificallyexcluded.
4.BacterialMeningitis-resultinginpermanentsymptoms
AdefinitediagnosisofBacterialMeningitisbya
ConsultantNeurologistofanIrishorUnitedKingdom
Hospitalcausinginflammationofthemembranes
ofthebrainorspinalcordresultinginpermanent
neurologicaldeficitwithpersistingclinicalsymptoms*.
Allotherformsofmeningitisincludingviralmeningitis
arenotcovered.
*Permanentneurologicaldeficitwithpersistingclinical
symptomsisdefinedas:
- Symptomsofdysfunctioninthenervoussystemthat
arepresentonclinicalexaminationandexpectedto
lastthroughouttheinsuredperson’slife.
- Symptomsthatarecoveredincludenumbness,
hyperaesthesia(increasedsensitivity),paralysis,
localisedweakness,dysarthria(difficultywith
speech),aphasia(inabilitytospeak),dysphagia
(difficultyinswallowing),visualimpairment,difficulty
inwalking,lackofcoordination,tremor,seizures,
dementia,deliriumandcoma.
Thefollowingarenotcovered:-
• Anabnormalityseenonbrainorotherscans
withoutdefiniterelatedclinicalsymptoms.
• Neurologicalsignsoccurringwithout
symptomaticabnormality,e.g.briskreflexes
withoutothersymptoms.
5.BalloonValvuloplasty
Theactualinsertion,ontheadviceofaConsultant
CardiologistofanIrishorUnitedKingdomHospital,
ofaballooncatheterthroughtheorificeofoneofthe
valvesoftheheartandtheinflationoftheballoonto
relievevalvularabnormalities.
6.BenignBrainTumour-resultinginpermanentsymptomsorrequiringsurgery
Anon-malignanttumourorcystinthebrain,cranial
nervesormeningeswithintheskull,resultingin
permanentneurologicaldeficitwithpersisting
clinicalsymptoms*Thediagnosismustbemadebya
ConsultantNeurologistorNeurosurgeonofanIrishor
UnitedKingdomHospitalandmustbesupportedbyCT,
MRIorhistopathologicalevidence.
20
APPENDIX A
1. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
l Dolordiscereperpetuaetper,quasmentitum
l Cunibhobliqueinermissed.
l Eivixsolumoblique.
l Eiusprimisadipiscietvix,facetevim.
Dicamdignissiminius,aequemunerereformidanssitan.Vixexmodusvituperata,indoctumconceptamvimte,eueamvitaequodsi.Iniusnatumdocendi,probopertinaxexeos.Adhasvulputatecotidieque.Nameuismodmoderatiusan.
TextHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
2. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
3. SubHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
Table Heading
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
21
Fortheabovedefinition,thefollowingarenotcovered:
• Tumourinthepituitarygland
• Angiomas
Therequirementforpermanentneurologicaldeficit
willbewaivedifthebenignbraintumourisremovedby
invasivesurgeryortreatedbystereotaticradiosurgery.
*Permanentneurologicaldeficitwithpersistingclinical
symptomsisdefinedas:
- Symptomsofdysfunctioninthenervoussystemthat
arepresentonclinicalexaminationandexpectedto
lastthroughouttheinsuredperson’slife.
- Symptomsthatarecoveredincludenumbness,
hyperaesthesia(increasedsensitivity),paralysis,
localisedweakness,dysarthria(difficultywith
speech),aphasia(inabilitytospeak),dysphagia
(difficultyinswallowing),visualimpairment,
difficultyinwalking,lackofcoordination,tremor,
seizures,dementia,deliriumandcoma.
Thefollowingarenotcovered:-
• Anabnormalityseenonbrainorotherscans
withoutdefiniterelatedclinicalsymptoms.
• Neurologicalsignsoccurringwithout
symptomaticabnormality,e.g.briskreflexes
withoutothersymptoms.
7.BenignSpinalCordTumour–resultinginpermanentsymptomsorrequiringsurgery
Anon-malignanttumourofthespinalcanalorspinal
cord,causingpressureand/orinterferingwiththe
functionofthespinalcordwhichrequiressurgery
orresultsinpermanentneurologicaldeficitwith
persistingclinicalsymptoms*.Thediagnosismustbe
madebyaConsultantNeurologistorNeurosurgeon
ofanIrishorUnitedKingdomHospitalandmustbe
supportedbyCT,MRIorhistopathologicalevidence.
Fortheabovedefinition,thefollowingarenotcovered:
• Angiomas
• Prolapsedorherniatedintervertebraldisc
Therequirementforpermanentneurologicaldeficit
willbewaivedifthebenignspinalcordtumouris
removedbyinvasivesurgeryortreatedbystereotatic
radiosurgery.
*Permanentneurologicaldeficitwithpersistingclinical
symptomsisdefinedas:
- Symptomsofdysfunctioninthenervoussystemthat
arepresentonclinicalexaminationandexpectedto
lastthroughouttheinsuredperson’slife.
- Symptomsthatarecoveredincludenumbness,
hyperaesthesia(increasedsensitivity),paralysis,
localisedweakness,dysarthria(difficultywith
speech),aphasia(inabilitytospeak),dysphagia
(difficultyinswallowing),visualimpairment,
difficultyinwalking,lackofcoordination,tremor,
seizures,dementia,deliriumandcoma.
Thefollowingarenotcovered:-
• Anabnormalityseenonbrainorotherscans
withoutdefiniterelatedclinicalsymptoms
• Neurologicalsignsoccurringwithout
symptomaticabnormality,e.g.briskreflexes
withoutothersymptoms
8.Blindness–permanentandirreversible
Permanentandirreversiblelossofsighttotheextent
thatevenwhentestedwiththeuseofvisualaids,vision
ismeasuredat3/60orworseinthebettereyeusinga
Snelleneyechart.
9.Cancer–excludinglessadvancedcasesAnymalignanttumourpositivelydiagnosedwithhistologicalconfirmationandcharacterisedbytheuncontrolledgrowthofmalignantcellsandinvasionoftissue.
Thetermmalignanttumourincludesleukaemia,lymphomaandsarcoma.
Fortheabovedefinition,thefollowingarenotcovered:
• Allcancerswhicharehistologicallyclassifiedasanyofthefollowing:
- pre-malignant
- non-invasive
- cancerinsitu
- havingeitherborderlinemalignancy;or
- havinglowmalignantpotential.
- AlltumoursoftheprostateunlesshistologicallyclassifiedashavingaGleasonscoregreaterthan6orhavingprogressedtoatleastclinicalTNMclassificationT2N0M0.
- Chroniclymphocyticleukaemiaunless
21
histologicallyclassifiedashavingprogressedtoatleastBinetStageA.
- Anyskincancerotherthanmalignantmelanomathathasbeenhistologicallyclassifiedashavingcausedinvasionbeyondtheepidermis(outerlayerofskin).
- AnybladdercancerunlesshistologicallyclassifiedashavingprogressedtoatleastTNMclassificationT2N0M0
10.CardiacArrest–withinsertionofadefibrillator
Suddenlossofheartfunctionwithcessationofbloodcirculationaroundthebodyresultinginunconsciousnessandresultingineitherofthefollowingdevicesbeingsurgicallyimplanted
• ImplantableCardioverter-Defibrillator(ICD),or
• CardiacResynchronizationTherapywithDefibrillator(CRT-D)
Fortheabovedefinitionthefollowingisnotcovered
• Insertionofapacemaker
• Insertionofadefibrillatorwithoutcardiacarrest
• Cardiacarrestsecondarytoalcoholordrugmisuse
11.Cardiomyopathy–ofspecifiedseverity
AdefinitediagnosisbyaConsultantCardiologistfrom
anIrishorUnitedKingdomHospitalofcardiomyopathy
resultinginpermanentlyimpairedventricularfunction
suchthattheejectionfractionis40%orlessforat
least6monthswhenstabilisedontherapyadvisedby
theConsultant.
Thediagnosismustalsobeevidencedby:
• electrocardiographicchanges;and
• echocardiographicabnormalities.
Theevidencemustbeconsistentwiththediagnosisof
cardiomyopathy.
Fortheabovedefinition,thefollowingarenotcovered:
• allotherformsofheartdiseaseand/orheart
enlargement;
• myocarditis;and
• cardiomyopathysecondarytoalcoholordrug
misuse.
12.ChronicLungDisease-ofspecifiedDiseaseseverity
ConfirmationbyaConsultantPhysicianofanIrish
orUnitedKingdomHospitalofchroniclungdisease
whichisevidencedbyallofthefollowing:
- Theneedforcontinuousdailyoxygentherapyona
permanentbasis;
- Evidencethatoxygentherapyhasbeenrequiredfor
aminimumperiodofsixmonths;
- FEV1beinglessthan40%ofnormal;
- VitalCapacitylessthan50%ofnormal.
13.Coma-resultinginpermanentsymptoms
Astateofunconsciousnesswithnoreactiontoexternal
stimuliorinternalneedswhich:
• requirestheuseoflifesupportsystemsfora
continuousperiodofatleast96hours;
and
• resultsinpermanentneurologicaldeficitwith
persistingclinicalsymptoms*.
Fortheabovedefinition,thefollowingisnotcovered:
• Comasecondarytoalcoholordrugmisuse.
*Permanentneurologicaldeficitwithpersistingclinical
symptomsisdefinedas:
- Symptomsofdysfunctioninthenervoussystemthat
arepresentonclinicalexaminationandexpectedto
lastthroughouttheinsuredperson’slife.
- Symptomsthatarecoveredincludenumbness,
hyperaesthesia(increasedsensitivity),paralysis,
localisedweakness,dysarthria(difficultywith
speech),aphasia(inabilitytospeak),dysphagia
(difficultyinswallowing),visualimpairment,
difficultyinwalking,lackofcoordination,tremor,
seizures,dementia,deliriumandcoma.
Thefollowingarenotcovered:-
• Anabnormalityseenonbrainorotherscans
withoutdefiniterelatedclinicalsymptoms.
• Neurologicalsignsoccurringwithout
symptomaticabnormality,e.g.briskreflexes
withoutothersymptoms.
14.CoronaryArteryBy-passGrafts-withsurgerytodividethebreastbone
Theundergoingofheartsurgeryrequiringmedian
sternotomy(surgerytodividethebreastbone)onthe
22
1. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
l Dolordiscereperpetuaetper,quasmentitum
l Cunibhobliqueinermissed.
l Eivixsolumoblique.
l Eiusprimisadipiscietvix,facetevim.
Dicamdignissiminius,aequemunerereformidanssitan.Vixexmodusvituperata,indoctumconceptamvimte,eueamvitaequodsi.Iniusnatumdocendi,probopertinaxexeos.Adhasvulputatecotidieque.Nameuismodmoderatiusan.
TextHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
2. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
3. SubHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
Table Heading
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
23
adviceofaConsultantCardiologistofanIrishorUnited
KingdomHospitaltocorrectnarrowingorblockageof
oneormorecoronaryarterieswithby-passgrafts.
Fortheabovedefinition,thefollowingarenotcovered:
• balloonangioplasty;
• atherectomy;
• rotablation;
• insertionofstents;
• lasertreatment.
15.Creutzfeld-JacobDisease–resultinginpermanentsymptoms
AdefinitediagnosisofCreutzfeld-JacobDiseasebyaConsultantNeurologistofanIrishorUnitedKingdomHospitalresultinginpermanentneurologicaldeficitwithpersistingclinicalsymptoms*.
*Permanentneurologicaldeficitwithpersistingclinicalsymptoms”isclearlydefinedas:
- Symptomsofdysfunctioninthenervoussystemthatarepresentonclinicalexaminationandexpectedtolastthroughouttheinsuredperson’slife.
- Symptomsthatarecoveredincludenumbness,hyperaesthesia(increasedsensitivity),paralysis,localisedweakness,dysarthria(difficultywithspeech),aphasia(inabilitytospeak),dysphagia(difficultyinswallowing),visualimpairment,difficultyinwalking,lackofcoordination,tremor,seizures,dementia,deliriumandcoma.
Thefollowingarenotcovered:-
• Anabnormalityseenonbrainorotherscanswithoutdefiniterelatedclinicalsymptoms.
• Neurologicalsignsoccurringwithoutsymptomaticabnormality,e.g.briskreflexeswithoutothersymptoms.
16.Deafness–permanentandirreversible
Permanentandirreversiblelossofhearingtothe
extentthatthelossisgreaterthan95decibelsacross
allfrequenciesinthebetterearusingapuretone
audiogram.
17.Dementia–resultinginpermanentsymptoms
AdefinitediagnosisofDementiabyaConsultant
NeurologistorGeriatricianofanIrishorUnited
KingdomHospital.Theremustbeprogressiveand
permanentclinicallossoftheabilitytodoallofthe
following:
• remember;
• reason;and
• perceive,understand,expressandgiveeffect
toideas.
Fortheabovedefinition,thefollowingisnotcovered:
• Dementiasecondarytoalcoholordrug
misuse.
18.Encephalitis-resultinginpermanentsymptoms
AdefinitediagnosisofEncephalitisbyaConsultantNeurologistofanIrishorUnitedKingdomHospitalresultinginpermanentneurologicaldeficitwithpersistingclinicalsymptoms*.
UndertheabovedefinitionMyalgicEncephalomyelitis(ME)isnotcovered.
*Permanentneurologicaldeficitwithpersistingclinicalsymptomsisdefinedas:
- Symptomsofdysfunctioninthenervoussystemthatarepresentonclinicalexaminationandexpectedtolastthroughouttheinsuredperson’slife.
- Symptomsthatarecoveredincludenumbness,hyperaesthesia(increasedsensitivity),paralysis,localisedweakness,dysarthria(difficultywithspeech),aphasia(inabilitytospeak),dysphagia(difficultyinswallowing),visualimpairment,difficultyinwalking,lackofcoordination,tremor,seizures,dementia,deliriumandcoma.
Thefollowingarenotcovered:-
• Anabnormalityseenonbrainorotherscanswithoutdefiniterelatedclinicalsymptoms.
• Neurologicalsignsoccurringwithoutsymptomaticabnormality,e.g.briskreflexeswithoutothersymptoms.
19.HeartAttack-ofspecifiedseverityDeathofheartmuscle,duetoinadequatebloodsupply,thathasresultedinallofthefollowingevidenceofacutemyocardialinfarction:
- Typicalclinicalsymptoms(forexample,characteristicchestpain).
- Newcharacteristicelectrocardiographicchanges.
- ThecharacteristicriseofcardiacenzymesorTroponinsrecordedatthefollowinglevelsorhigher;TroponinT>1.0ng/ml,AccuTnl>0.5ng/mlorequivalentthresholdwithotherTroponinImethods.
23
Theevidencemustshowadefiniteacutemyocardialinfarction.
Fortheabovedefinition,thefollowingarenotcovered:
• Otheracutecoronarysyndromesincludingbutnotlimitedtoangina.
20.Heartstructuralrepairwithsurgerytodividethebreastbone
Theundergoingofheartsurgeryrequiringmediansternotomy(surgerytodividethebreastbone)ontheadviceofaConsultantCardiologistofanIrishorUnitedKingdomHospital,tocorrectanystructuralabnormalityoftheheart.
21.HeartValveReplacementorRepair-withsurgerytodividethebreastbone
Theundergoingofheartsurgeryrequiringmediansternotomy(surgerytodividethebreastbone)ontheadviceofaConsultantCardiologistofanIrishorUnitedKingdomHospitaltoreplaceorrepaironeormoreheartvalves.
22.HIVinfection
HIVinfection–contractedincountriesthatwere
membersoftheEuropeanUnionon1stJanuary2011,
Australia,Canada,NewZealand,Norway,Switzerland
ortheUnitedStatesofAmericafromablood
transfusion,aphysicalassaultoratwork.
InfectionbyHumanImmunodeficiencyVirusresulting
from:
- abloodtransfusiongivenaspartofmedical
treatment;or
- aphysicalassault;or
- artificialinseminationorin-vitrofertilisationgiven
aspartofmedicaltreatment;or
- anincidentoccurringduringthecourseof
performingnormaldutiesofemployment
afterthestartofthepolicyandsatisfyingallofthe
following:
- Theincidentmusthavebeenreportedto
appropriateauthoritiesandhavebeeninvestigated
inaccordancewiththeestablishedprocedures.
- WhereHIVinfectioniscontractedthrougha
physicalassaultorasaresultofanincident
occurringduringthecourseofperformingnormal
dutiesofemployment,theincidentmustbe
supportedbyanegativeHIVantibodytesttaken
within5daysoftheincident.
- TheremustbeafurtherHIVtestwithin12months
confirmingthepresenceofHIVorantibodiestothe
virus.
Fortheabovedefinition,thefollowingisnotcovered:
• HIVinfectionresultingfromanyothermeans,
includingsexualactivityordrugmisuse.
23.IntensiveCare–requiringmechanicalventilationfor10consecutivedays
AnysicknessorinjuryresultingintheLifeInsured
requiringcontinuousmechanicalventilationbymeans
oftrachealintubationfor10consecutivedays(24hours
perday)ormoreinanintensivecareunitinanIrishor
UnitedKingdomHospital.
Fortheabovedefinitionthefollowingarenotcovered:
• sicknessorinjuryasaresultofdrugor
alcoholmisuseorotherselfinflictedmeans
• childrenundertheageof90days
24.KidneyFailure–requiringongoingdialysis
Chronicandendstagefailureofbothkidneysto
function,asaresultofwhichregulardialysisis
necessary.
Fortheabovedefinition,thefollowingisnotcovered:
• Kidneyfailuresecondarytoalcoholordrug
misuse.
25.LiverFailure–IrreversibleandEndStage
Chronicliverdisease,beingendstageandirreversible
liverfailureduetocirrhosisandresultinginallofthe
following:
• permanentjaundice,
• ascites;and
• hepaticencephalopathy.
Fortheabovedefinition,thefollowingisnotcovered:
• LiverFailuresecondarytoalcoholordrug
misuse.
26.LossofHandsorFeet–permanentphysicalseverance
Permanentphysicalseveranceofanycombinationof2or
morehandsorfeetatorabovethewristoranklejoint.
27.LossofSpeech–permanentandirreversible
Totalpermanentandirreversiblelossoftheabilityto
24
1. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
l Dolordiscereperpetuaetper,quasmentitum
l Cunibhobliqueinermissed.
l Eivixsolumoblique.
l Eiusprimisadipiscietvix,facetevim.
Dicamdignissiminius,aequemunerereformidanssitan.Vixexmodusvituperata,indoctumconceptamvimte,eueamvitaequodsi.Iniusnatumdocendi,probopertinaxexeos.Adhasvulputatecotidieque.Nameuismodmoderatiusan.
TextHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
2. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
3. SubHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
Table Heading
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
25
speakasaresultofphysicalinjuryordisease.
28.MajorOrganTransplant–specifiedorgans
Theundergoingasarecipientofatransplantofbone
marroworofacompleteheart,kidney,liver,lung,or
pancreas,orinclusiononanofficialIrelandorUnited
Kingdomwaitinglistforsuchaprocedure.
Fortheabovedefinition,thefollowingisnotcovered:
• Transplantofanyotherorgans,partsof
organs,tissuesorcells.
• MajorOrganTransplantsecondarytoalcohol
ordrugmisuse.
29.MotorNeuroneDisease–resultinginpermanentsymptoms
AdefinitediagnosisofMotorNeuroneDiseasebya
ConsultantNeurologistofanIrishorUnitedKingdom
Hospital.Theremustbepermanentclinical
impairmentofmotorfunction.
30.MultipleSystemAtrophy–resultinginpermanentsymptoms
Adefinitediagnosisofmultiplesystematrophybya
ConsultantNeurologistofanIrishorUnitedKingdom
Hospital.Theremustbeevidenceofpermanentclinical
impairmentofeither:
• motorfunctionwithassociatedrigidityof
movement;or
• theabilitytocoordinatemusclemovement;or
• bladdercontrolandposturalhypotension
31.MultipleSclerosis–withpersistingsymptoms
AdefinitediagnosisofMultipleSclerosisbya
ConsultantNeurologistofanIrishorUnitedKingdom
Hospital.Theremustbecurrentclinicalimpairmentof
motororsensoryfunction,whichmusthavepersisted
foracontinuousperiodofatleast6months.
32.MuscularDystrophy–resultinginpermanentsymptoms
AdefinitediagnosisofMuscularDystrophybya
ConsultantNeurologistofanIrishorUnitedKingdom
Hospitalresultinginpermanentneurologicaldeficit
withpersistingclinicalsymptoms*.
*Permanentneurologicalsymptomswithpersistent
clinicalsymptomsisdefinedas:
- Symptomsofdysfunctioninthenervoussystemthat
arepresentonclinicalexaminationandexpectedto
lastthroughouttheinsuredperson’slife.
- Symptomsthatarecoveredincludenumbness,
hyperaesthesia(increasedsensitivity),paralysis,
localisedweakness,dysarthria(difficultywith
speech),aphasia(inabilitytospeak),dysphagia
(difficultyinswallowing),visualimpairment,
difficultyinwalking,lackofcoordination,tremor,
seizures,lethargy,dementia,deliriumandcoma.
Thefollowingarenotcovered
• Anabnormalityseenonbrainorotherscans
withoutdefiniterelatedclinicalsymptoms.
• Neurologicalsignsoccurringwithout
symptomaticabnormality,e.g.briskreflexes
withoutothersymptoms.
33.ParalysisofLimbs–totalandirreversible
Totalandirreversiblelossofmusclefunctiontothe
wholeofany2limbs.
34.Parkinson’sDisease(idiopathic)–resultinginpermanentsymptoms
AdefinitediagnosisofidiopathicParkinson’sDisease
byaConsultantNeurologistofanIrishorUnited
KingdomHospital.Theremustbepermanentclinical
impairmentofmotorfunctionwithassociatedtremor,
rigidityofmovementandposturalinstability.
Fortheabovedefinition,thefollowingisnotcovered:
• Parkinson`sDiseasesecondarytoalcoholor
drugmisuse.
35.Pneumonectomy–removalofacompletelung
Theundergoingofsurgeryontheadviceofa
ConsultantPhysicianofanIrishorUnitedKingdom
Hospitaltoremoveanentirelungfordiseaseor
traumaticinjury.
Fortheabovedefinition,thefollowingisnotcovered:
• removalofalobeofthelungs(lobectomy);
• lungresectionorincision
25
36.PrimaryPulmonaryHypertension–ofspecifiedseverity
AdefinitediagnosisofPrimaryPulmonary
HypertensionbyaConsultantCardiologistofan
IrishorUnitedKingdomHospital.Theremustbe
substantialrightventricularenlargementestablished
byinvestigationsincludingcardiaccatheterisation,
resultinginthepermanentlossofabilitytoperform
physicalactivitiestoatleastClass3oftheNew
YorkHeartAssociationclassificationsoffunctional
capacity*.
*NYHAClass3.Heartdiseaseresultinginmarked
limitationofphysicalactivitieswherelessthanordinary
activitycausesfatigue,palpitation,breathlessnessor
chestpain.
37.ProgressiveSupra-nuclearPalsyresultinginpermanentsymptoms
AdefinitediagnosisofProgressiveSupra-nuclear
PalsybyaConsultantNeurologistofanIrishorUnited
KingdomHospital.Theremustbepermanentclinical
impairmentofmotorfunction,eyemovementdisorder
andposturalinstability.
38.PulmonaryArteryGraftSurgery-withsurgerytodividethebreastbone
Theactualundergoingofsurgeryrequiringmedian
sternotomy(surgerytodividethebreastbone)onthe
adviceofaConsultantCardiothoracicSurgeonofan
IrishorUnitedKingdomHospitalforadiseaseofthe
pulmonaryarterytoexciseandreplacethediseased
pulmonaryarterywithagraft.
39.RheumatoidArthritis-ofspecifiedseverity
Adefinitediagnosisofchronicrheumatoidarthritis
byaconsultantrheumatologistofanIrishorUnited
KingdomHospitalresultinginallofthefollowing:
- theconditionmustbediagnosed,establishedand
treatedforaperiodofatleast12months;
- theremustbemorningstiffnessintheaffected
jointsofatleastone-hourduration;
- theremustbearthritisofatleastthreejoint
groupswithjointdestructionandeithersofttissue
swellingorfluidobservedbyarheumatologist;
- thearthritismustinvolveatleastoneormoreof
thefollowingsites:
o wristsorankles;
o handsandfingers;
o feetandtoes;
- thearthritismustaffectbothsidesofthebody;
- presenceofrheumatoidfactororantiCCP
(anticycliccitrullin-atedprotein)antibodies,unless
allothercriteriaaremet;
- theremustbesubcutaneousnodules(nodular
swellingbeneaththeskin);
- theremustberadiographicchangestypicalof
activerheumatoidarthritis.
40.Stroke–resultinginpermanentsymptoms
Deathofbraintissueduetoinadequatebloodsupplyor
haemorrhagewithintheskullresultinginpermanent
neurologicaldeficitwithpersistingclinicalsymptoms*.
Fortheabovedefinition,thefollowingarenotcovered:
- Transientischaemicattack.
- Traumaticinjurytobraintissueorbloodvessels.
*Permanentneurologicalsymptomswithpersistent
clinicalsymptomsisdefinedas:
- Symptomsofdysfunctioninthenervoussystemthat
arepresentonclinicalexaminationandexpectedto
lastthroughouttheinsuredperson’slife.
- Symptomsthatarecoveredincludenumbness,
hyperaesthesia(increasedsensitivity),paralysis,
localisedweakness,dysarthria(difficultywith
speech),aphasia(inabilitytospeak),dysphagia
(difficultyinswallowing),visualimpairment,
difficultyinwalking,lackofcoordination,tremor,
seizures,lethargy,dementia,deliriumandcoma.
Thefollowingarenotcovered
•Anabnormalityseenonbrainorotherscans
withoutdefiniterelatedclinicalsymptoms.
•Neurologicalsignsoccurringwithout
symptomaticabnormality,e.g.briskreflexes
withoutothersymptoms.
41.SystemicLupusErythematous–ofspecifiedseverity
AdefinitediagnosisofSystemicLupusErythematosus
byaConsultantRheumatologistofanIrishorUnited
KingdomHospitalresultingineitherofthefollowing:
• Permanentneurologicaldeficitwithpersisting
26
1. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
l Dolordiscereperpetuaetper,quasmentitum
l Cunibhobliqueinermissed.
l Eivixsolumoblique.
l Eiusprimisadipiscietvix,facetevim.
Dicamdignissiminius,aequemunerereformidanssitan.Vixexmodusvituperata,indoctumconceptamvimte,eueamvitaequodsi.Iniusnatumdocendi,probopertinaxexeos.Adhasvulputatecotidieque.Nameuismodmoderatiusan.
TextHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
2. SubHeading
Nomeiagamluptatumsenserit,vulputate
reprehenduntnecei.Eunostroobliqueaccusata
duo,periddoloremsensibus.Hasnoquodsimelius
theophrastus,nonecputentomittam,andicononumy
deseruisseper.
TextHeading
Anquidamnemorecotidiequeusu.Euviderermolestie
voluptuapri,adeosquisoblique.Noiudicoreferrentur
eos,pronenobisdelicataevertitur,placerat
consequunturatvel.
3. SubHeading
Duovocentmolestiaeut.Justonosterdeterruisset
vixex,nominavicorrumpithonestatismelne,vim
idautemnobisquodsi.Quoidpropriaepericula
consulatu.Iustritaniponderumne,homeroputant
causaehisin.Uthisviditmaiestatis,atconsulprompta
sit.
Minimviderereligendieuius,dolorpopuloeumut.
Dicantdelicatissimianhas.Intellegamappellantur
cumno,librisvirtuteincum.Eugraecelobortis
sit,hisvituperatoribusscriptane.Namnoutinam
alienum,noeosunumincorrupte.Quoinwisiliber
vivendo,utnostronominavicum,nonostroadipisci
concludaturquepro.
Table Heading
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
Col1 Col2 Col3
27
clinicalsymptoms*,or
• Permanentimpairmentofkidneyfunctiontests
asfollows:
- GlomerularFiltrationRate(GFR)below
30ml/min.
- Abnormalurinalysisshowingproteinuriaor
haematuria.
*Permanentneurologicaldeficitwithpersistingclinical
symptomsisclearlydefinedas:
- Symptomsofdysfunctioninthenervoussystem
thatarepresentonclinicalexaminationand
expectedtolastthroughouttheinsuredperson’s
life.
- Symptomsthatarecoveredincludenumbness,
hyperaesthesia(increasedsensitivity),paralysis,
localisedweakness,dysarthria(difficultywith
speech),aphasia(inabilitytospeak),dysphagia
(difficultyinswallowing),visualimpairment,
difficultyinwalking,lackofcoordination,tremor,
seizures,dementia,deliriumandcoma.
Forthepurposesofthisdefinition–seizures,
headaches,fatigue,lethargyoranysymptomsof
psychologicalorpsychiatricoriginwillnotbeaccepted
asevidenceofpermanentdeficitoftheneurological
system.
42.ThirdDegreeBurns–covering20%ofthebody’ssurfacearea
Burnsthatinvolvedamageordestructionoftheskin
toitsfulldepththroughtotheunderlyingtissueand
coveringatleast20%ofthebody’ssurfacearea.
43.TotalandPermanentDisability
1.TotalandPermanentDisabilitybeforeage65means
thatintheDisabilityopinionoftheCompany’sChief
MedicalOfficer,theLifeInsuredis,becauseofillness
oraccident,permanentlyandirreversiblyunableto
carryoutatleast3ofthe6activitieslistedbeloworis
permanentlydisabledbyreasonofmentalincapacity.
Thepersonmusthavetakenanyappropriate
prescribedmedicationandthenbeunabletoperform
thetaskontheirown.
TotalandPermanentDisabilitymustpersistfora
continuousperiodofatleast12monthsbeforeany
entitlementtoTotalandPermanentDisabilityBenefit
arises.
The6activitiesare:
• Walking–theability(usingawalkingstickfor
balanceorconfidenceifnecessary)towalk
200metersontheflatwithoutstoppingor
severediscomfort.
• Mobility–theabilitytobendorkneeldown
topickupsomethingfromthefloorand
straightenupagain.
• Lifting–liftinga1kilogramweightfromtable
heightwitheitherhandandcarryingitfor5
meters.
• ManualDexterity–usingapen,pencilor
keyboardwitheitherhand.
• Communication–theabilitytoanswera
telephoneandreliablytakeamessage.
• Climbing–theabilitytoclimbupandthen
downaflightof12stairswiththeuseofa
handrailifneeded.
Permanentlydisabledbyreasonofmentalincapacity
meansthattheLifeInsuredissufferingfrom:
• anorganicbraindiseaseorbraininjurywhich
affectstheLifeInsured’sabilitytoreasonand
understand,and
• thementalincapacityhasdeterioratedtothe
extentthatcontinualsupervisionoftheLife
Insuredandtheassistanceofanotherperson
isrequired,and
• thementalincapacityisirreversiblewithno
reasonableprospectofthereeverbeingany
improvementintheLifeInsured’scondition.
Fortheabovedefinition,thefollowingisnotcovered:
• TotalandPermanentDisabilitysecondaryto
alcoholordrugmisuse
2.TotalandPermanentDisabilityatage65orover
meansthatintheopinionoftheCompany’sChief
MedicalOfficer,theLifeInsuredis,becauseofillness
oraccident,permanentlyandirreversiblyunableto
carryoutatleast3ofthe6activitieslistedbeloworis
permanentlydisabledbyreasonofmentalincapacity.
Thepersonmusthavetakenanyappropriate
prescribedmedicationandthenbeunabletoperform
thetaskontheirown,evenwiththeuseofappropriate
assistiveaidsandappliances(e.g.ahandrailtohelp
gettingintoandoutofthebathorshower).
27
28
TotalandPermanentDisabilitymustpersistfora
continuousperiodofatleast12monthsbeforeany
entitlementtoTotalandPermanentDisabilityBenefit
arises.
The6activitiesare:
• Washing–theabilitytowashinthebathor
shower(includinggettingintoandoutofthe
bathorshower)orwashsatisfactorilybyother
means.
• Dressing–theabilitytoputon,takeoff,
secureandunfastenallgarmentsand,as
appropriate,anybraces,artificiallimbsor
othersurgicalappliances.
• Feeding–Theabilitytofeedone’sselfonce
foodhasbeenpreparedandmadeavailable.
• Toileting–theabilitytousethelavatoryor
otherwisemanagebowelandbladderfunction
soastomaintainasatisfactorylevelof
personalhygiene.
• Mobility–theabilitytomoveindoorsfrom
roomtoroomonlevelsurfaces.
• Transferring–Theabilitytomovefrombedto
anuprightchairorwheelchairandviceversa.
Permanentlydisabledbyreasonofmentalincapacity
meansthattheLifeInsuredissufferingfrom
• anorganicbraindiseaseorbraininjurywhich
affectstheLifeInsured’sabilitytoreasonand
understand,and
• thementalincapacityhasdeterioratedtothe
extentthatcontinualsupervisionoftheLife
Insuredandtheassistanceofanotherperson
isrequired,and
• thementalincapacityisirreversiblewithno
reasonableprospectofthereeverbeingany
improvementintheLifeInsured’scondition.
Fortheabovedefinition,thefollowingisnotcovered:
• TotalandPermanentDisabilitysecondaryto
alcoholordrugmisuse.
44.TraumaticHeadInjury–resultinginpermanentsymptoms.
Deathofbraintissueduetotraumaticinjuryresulting
inpermanentneurologicaldeficitwithpersisting
clinicalsymptoms*.Thediagnosismustbeconfirmed
byaConsultantNeurologistofanIrishorUnited
KingdomHospitalandagreedbyourChiefMedical
Officer.
Fortheabovedefinition,thefollowingisnotcovered:
• TraumaticHeadInjurysecondarytoalcoholor
drugmisuse.
*Permanentneurologicalsymptomswithpersistent
clinicalsymptomsaredefinedas:
- Symptomsofdysfunctioninthenervoussystemthat
arepresentonclinicalexaminationandexpectedto
lastthroughouttheinsuredperson’slife.
- Symptomsthatarecoveredincludenumbness,
hyperaesthesia(increasedsensitivity),paralysis,
localisedweakness,dysarthria(difficultywith
speech),aphasia(inabilitytospeak),dysphagia
(difficultyinswallowing),visualimpairment,
difficultyinwalking,lackofcoordination,tremor,
seizures,lethargy,dementia,deliriumandcoma.
Thefollowingarenotcovered
• Anabnormalityseenonbrainorotherscans
withoutdefiniterelatedclinicalsymptoms.
• Neurologicalsignsoccurringwithout
symptomaticabnormality,e.g.briskreflexes
withoutothersymptoms.
29
Partial Payment Specified Illnesses
1.AngioplastyforCoronaryArteryDisease-ofspecifiedseverity
Undergoingoftreatmentforseverecoronaryartery
disease,ofanyofthefollowing
•balloonangioplasty
•atherectomy
•rotablation
•lasertreatment
•and/orinsertionofstent(s)
totreatthenarrowingorblockageinaMainCoronary
Artery.Thisproceduremusthavebeencarriedouton
theadviceofaConsultantCardiologistofanIrishor
UnitedKingdomHospital.
Angiographicevidencetosupportthenecessityfor
theprocedurewillberequired.Theinterventionmust
betotreatatleast70%diameternarrowinginaMain
CoronaryArtery.
Providedtheaboverequirementsaremet,wewill
makeapaymentof€5,000oncompletionofballoon
angioplasty,atherectomy,rotablation,lasertreatment
and/orinsertionofstent(s),tocorrectatleast70%
diameternarrowinginoneMainCoronaryArtery.
Wewillmakeasecondpaymentonthecompletion
ofballoonangioplasty,atherectomy,rotablation,
lasertreatmentand/orinsertionofstent(s)tocorrect
atleast70%diameternarrowingofoneoftheother
MainCoronaryArteries.Thesecondpaymentisthe
balanceforPartialPaymentSpecifiedIllnessBenefit
forAngioplastyforCoronaryArteryDiseasesetoutin
SectionC,Condition2.1.1
ForthepurposesofthisdefinitionMainCoronary
Arteriesaredefinedasbeing:-
-RightCoronaryArtery
-LeftMainStem
-LeftAnteriorDescending
-Circumflex
2.BrainAbscessdrainedviacraniotomy
Undergoingofsurgicaldrainageofanintracerebral
abscesswithinthebraintissuethroughacraniotomy
byaConsultantNeurosurgeonofanIrishorUnited
KingdomHospital.Theremustbeevidenceofan
intracerebralabscessonCTorMRIimaging.
3.CarcinomainSitu–Oesophagus,treatedbyspecificsurgery
Adefinitediagnosisofacarcinomainsituofthe
oesophagusbyaConsultantPhysicianofanIrishor
UnitedKingdomHospital,whichhasbeentreated
surgicallybyremovalofaportionorallofthe
oesophagus.Acarcinomainsituisamalignancy
thathasnotinvadedthebasementmembranebut
showscytologiccharacteristicsofcancer.Histological
evidencewillberequired.
Fortheabovedefinition,thefollowingarenotcovered:
•Treatmentbyanyothermethodisspecifically
excluded.
4.CarotidArteryStenosis-treatedbyEndarterectomyorAngioplasty
Undergoingofendarterectomyortherapeutic
angioplastywithorwithoutstenttocorrect
symptomaticstenosisinvolvingatleast70%
narrowingorblockageofthecarotidartery.
Angiographicevidencewillberequired.
5.CerebralArteriovenousMalformation-treatedbycraniotomyorendovascularrepair
Undergoingofsurgicaltreatmentviacraniotomy
byaConsultantNeurosurgeonofanIrishor
UnitedKingdomHospitalofacerebralAVfistulaor
malformation.Alternatively,wewillpayaPartial
PaymentSpecifiedIllnessBenefitifaLifeInsured
undergoesendovasculartreatmentbyaConsultant
NeurosurgeonorRadiologistofanIrishorUnited
KingdomHospitalusingcoilstocausethrombosisof
acerebralAVfistulaormalformation.
Fortheabovedefinition,thefollowingisnotcovered:
•Intracranialaneurysm
APPENDIX B
30
6.DuctalCarcinomainSitu–Breast,treatedbysurgery
Adefinitediagnosisofaductalcarcinomainsituof
thebreast,whichhasbeenremovedsurgicallyby
mastectomy,partialmastectomy,segmentectomy
orlumpectomy.Acarcinomainsituisamalignancy
thathasnotinvadedthebasementmembranebut
showscytologiccharacteristicsofcancer.Histological
evidencewillberequired.
7.LossofoneLimb
Permanentlossofahandfromabovethewristora
footfromabovetheanklejoint.Permanentlossdoes
notincludelossofuseorfunctiononly.Itmeans
havingahandorfootcompletelysevered.
8.EarlyStageProstateCancerwithGleasonscorebetween2and6–andwithspecifictreatment
Adefinitediagnosisofprostatecancerbya
ConsultantofanIrishorUnitedKingdomHospital
whichhasbeenhistologicallyclassifiedashavinga
Gleasonscorebetween2and6provided:
• Thetumourhasprogressedtoatleastclinical
TNMclassificationT1N0M0;and
• TheLifeInsuredhasundergonetreatmentby
prostatectomy,externalbeamorinterstitial
implantradiotherapy.
Fortheabovedefinition,thefollowingarenotcovered:
• Treatmentwithcryotherapy,transurethral
resectionoftheprostate,‘experimental’
treatmentsorhormonetherapy.
9.SeriousAccidentCover–resultinginatleast28consecutivedaysinhospital
Aseriousaccidentresultinginseverephysicalinjury
wheretheLifeInsuredisimmediatelyadmittedto
hospitalforatleast28consecutivedaystoreceive
medicaltreatment.
Forthepurposesofthisdefinitiononly,ahospitalstayalso
includestreatmentinaninpatientrehabilitationcentre,if
theLifeInsuredistransferreddirectlyfromhospitalto
therehabilitationcentreforcontinuoustreatment.
Severephysicalinjurymeansinjuryresultingsolely
anddirectlyfromunforeseen,external,violentand
visiblemeansandindependentofanyothercauses.
OnlyonePartialPaymentSpecifiedIllnessBenefit
willbepaidforPartialPaymentSpecifiedIllnesses
resultingfromthesameaccident.AnyAccelerated
SpecifiedIllnessBenefittobepaidwillbereduced
byanyPartialPaymentSpecifiedIllnessBenefitpaid
wheretheAcceleratedSpecifiedIllnessresultsfrom
thesameaccident.
Fortheabovedefinitionthefollowingarenotcovered:
• Staysinhospitaloflessthan28consecutive
days
• Seriousaccidentinjurysecondarytoalcoholor
drugmisuse
10.SignificantVisualImpairment
Permanentandirreversiblereductioninthesightof
botheyestotheextentthatevenwhentestedwiththe
useofvisualaids,visionismeasuredat6/36orworse
inthebettereyeusingaSnelleneyechart,while
wearinganycorrectiveglassesorcontactlens.
11.SingleLobectomy–theremovalofacompletelobeofthelung
Theundergoingofmedicallyessentialsurgeryto
removeacompletelobeofalungfordiseaseor
traumaticinjury
Fortheabovedefinitionthefollowingarenotcovered
• Partialremovalofalobeofthelungs
(segmentalorwedgeresection)
• Anyotherformoflungsurgery
12.ThirdDegreeBurnscoveringatleast5%ofthebody’ssurface
Burnsthatinvolvedamageordestructionoftheskin
toitsfulldepththroughtotheunderlyingtissueand
coveringatleast5%andlessthan20%ofthebody’s
surfaceareaoratleast25%ofthesurfaceareaofthe
facewhichforthepurposeofthisdefinitionincludes
theforeheadandtheears.
31
13.SurgicalRemovalofOneEye
Surgicalremovalofacompleteeyeballfordiseaseor
trauma.
14.ParalysisofOneLimb–totalandirreversible
Totalandirreversiblelossofmusclefunctiontothe
wholeofanyonelimb
15.TotalColectomy–withpermanentileostomy
Removalofthewholeofthecoloncreatinganopening
ontheabdomenjoiningthesmallintestinetothe
abdomenwallcalledanileostomy.Thisprocedure
iscoveredifitisestablishedthattheileostomy
ispermanentintheopinionofbothaConsultant
GastroenterologistofanIrishorUnitedKingdom
HospitalandtheCompany’sChiefMedicalOfficer.
16.SyringomyeliaorSyringobulbia–treatedbysurgery
AdefinitediagnosisofSyringomeliaorSyringobulbia
byaConsultantNeurologistofanIrishorUnited
KingdomHospital,whichhasbeensurgicallytreated.
Thisincludessurgicalinsertionofapermanent
drainageshunt.
17.EarlyStageBladderCancer–ofspecifiedseverity
AdefinitediagnosisofbladdercancerbyaConsultant
ofanIrishorUnitedKingdomHospitalwhichhas
beenhistologicallyclassifiedashavingprogressedto
atleastclinicalTNMclassificationT1N0M0.
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