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Other Critical Conditions

HIV — Medically Acquired

Full Critical Illness Benefit Criteria

An unequivocal diagnosis by an appropriate specialist of HIV where sero-conversion to HIV infection occurs within 6 months of the incident which Chubb Life believes, on the balance of probabilities, arose from one of the following medical procedures:

  • A blood transfusion
  • Transfusion with blood products
  • Organ transplant to the life assured
  • Assisted reproductive techniques
  • A medical procedure or operation that a doctor performed

A suitable medical practitioner must have done the medical procedure.

We exclude HIV transmission by any other means.

HIV — Occupationally Acquired

Full Critical Illness Benefit Criteria

An unequivocal diagnosis by an appropriate specialist of acquired HIV where sero-conversion to HIV infection occurs within 6 months of one of the following occupational incidents:

  • An accident that occurs during the life assured’s normal work
  • A malicious act of another person that occurs during the life assured’s normal work

Any occupational incident that causes a potential claim must be reported to the relevant authority or employer within 7 days.

A negative HIV antibody test must have taken place within 7 days of the incident. We must be given access to independently test any blood samples used.

We exclude HIV transmission by any other means.

We exclude HIV that is occupationally acquired if a cure for HIV or AIDS was available at the time the accident or act that caused the infection takes place.

Loss of Independent Existence

Full Critical Illness Benefit Criteria

An illness or injury that results in either:

  • The total and irreversible inability to perform at least two of the activities of daily living without the help of another adult
  • The permanent need for continuous full-time care

Major Burns

Full Critical Illness Benefit Criteria

Full thickness burns to at least one of the following:

  • 20 percent of the body surface area as measured by ‘The Rule of Nines’ or the Lund & Browder Body Surface Chart
  • 25 percent of the face needing surgical debridement, grafting or both
  • 50 percent of the total combined area of both hands needing surgical debridement, grafting or both

Paralysis

Full Critical Illness Benefit Criteria

The total and permanent loss of use of one or more limb caused by illness or injury to the spinal cord or brain. In this case, limb is a whole arm or whole leg.

Included in this definition are monoplegia, paraplegia, quadriplegia/tetraplegia, diplegia and hemiplegia.

Stroke

Full Critical Illness Benefit Criteria

The 90-day stand-down applies to this condition.

An unequivocal diagnosis by an appropriate specialist of an acute cerebrovascular event that causes a neurological deficit, with infarction of brain tissue or intracranial or subarachnoid haemorrhage, supported by clear evidence on neuroimaging.

If neuroimaging is inconclusive, we may consider other investigations in support of the diagnosis that the specialist considers medically appropriate.

We exclude:

  • Transient ischaemic attacks
  • Cerebral symptoms due to migraines
  • Cerebral injury because of trauma or hypoxia
  • Cerebral symptoms due to vascular disease affecting the eye, optic nerve or vestibular functions

Terminal Illness

Full Critical Illness Benefit Criteria

The 90-day stand-down applies to this condition.

A diagnosis from an appropriate medical practitioner of a terminal illness or injury that is likely to result in the death of the life assured within the next 12 months.