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Neurological Conditions

Alzheimer’s Disease

Full Critical Illness Benefit Criteria

An unequivocal diagnosis by an appropriate specialist of Alzheimer’s disease.

Coma

Full Critical Illness Benefit Criteria

A state of unconsciousness resulting in a documented Glasgow Coma Scale of 6 or less, for at least 3 days in a row.

We exclude comas that are caused by alcohol or drug abuse.

Creutzfeldt-Jakob Disease

Full Critical Illness Benefit Criteria

An unequivocal diagnosis by an appropriate specialist of Creutzfeldt-Jakob disease that causes signs and symptoms of cerebellar dysfunction, severe progressive dementia, uncontrolled muscle spasms, tremors and athetosis and that requires permanent and continual medical supervision.

Dementia

Full Critical Illness Benefit Criteria

An unequivocal diagnosis by an appropriate specialist of dementia.

Encephalitis

Full Critical Illness Benefit Criteria

An unequivocal diagnosis by an appropriate specialist of severe inflammatory disease of the brain, resulting in a neurological deficit that causes either:

  • Permanent impairment of at least 25 percent of whole person function
  • The total and irreversible inability to perform at least one of the activities of daily living without the help of another adult.

Major Head Trauma

Full Critical Illness Benefit Criteria

Neurological deficit caused by a cerebral injury resulting in either:

  • Permanent impairment of at least 25 percent of whole person function
  • The total and irreversible inability to perform at least one of the activities of daily living without the help of another adult.

Meningitis or Meningococcal Disease

Full Critical Illness Benefit Criteria

An unequivocal diagnosis by an appropriate specialist of meningococcal disease, including meningitis and meningococcal septicaemia, that causes either:

  • Permanent impairment of at least 25 percent of whole person function
  • The total and irreversible inability to perform at least one of the activities of daily living without the help of another adult.

Motor Neurone Disease

Full Critical Illness Benefit Criteria

An unequivocal diagnosis by an appropriate specialist of motor neurone disease.

Multiple Sclerosis

Full Critical Illness Benefit Criteria

An unequivocal diagnosis by an appropriate specialist of multiple sclerosis with evidence of both of the following:

  • More than one episode of well-defined neurological deficit with persistent neurological impairment
  • Neurological investigations that support the diagnosis (such as lumbar puncture abnormalities, MRI showing evidence of lesions in the central nervous system, evoked visual responses and evoked auditory responses).

Diagnosis Benefit Criteria

An unequivocal diagnosis by an appropriate specialist of multiple sclerosis.

Parkinson’s Disease

Full Critical Illness Benefit Criteria

An unequivocal diagnosis by an appropriate specialist of idiopathic Parkinson’s disease.

Severe Cognitive Impairment

Full Critical Illness Benefit Criteria

An unequivocal diagnosis by an appropriate specialist of permanent and irreversible loss of cognitive function caused by an illness or injury of the brain, resulting in both of the following:

  • The life assured needing paid care and supervision by a carer for at least 4 hours every day, as confirmed by an appropriate needs assessment
  • A mini-mental score of less than 20 out of 30, or an equivalent level of impairment under an equivalent test.

A carer cannot be a spouse, civil union partner, de facto partner or family member.

Severe Peripheral Neuropathy

Full Critical Illness Benefit Criteria

An unequivocal diagnosis by an appropriate specialist of irreversible loss of function of peripheral nerves causing either:

  • Permanent impairment of at least 25 percent of whole person function
  • The total and irreversible inability to perform at least one of the activities of daily living without the help of another adult.