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Trauma & Critical IllnessTrauma & Critical illness - Living Assurance Comprehensive

What does Living Assurance Benefit Comprehensive cover?
Living Assurance Benefit Comprehensive covers all 42 specified critical conditions, as listed below.*

For the full sum assured:
Alzheimer’s disease and dementia

   • Three vessels or more#
Aplastic anaemia#
   • Cancer#
   • Carcinoma-in-situ surgery#
   • Prostatic cancer surgery#
Chronic liver failure#
Chronic lung disease#
Chronic renal failure
Creutzfeldt-Jakob disease
Heart attack#
Loss of functionality
   • Loss of independent existence
   • Permanent blindness#
   • Permanent loss of speech
   • Permanent loss of hearing
   • Permanent loss of limbs
Major burns
Major cardiovascular disease

   • Aortic surgery#
   • Cardiomyopathy
   • Coronary artery bypass surgery#
   • Heart valve surgery
   • Out-of-hospital cardiac arrest
   • Pulmonary hypertension
Major neurological disease (other than stroke)
   • Benign brain tumour
   • Coma
   • Encephalitis
   • Idiopathic Parkinson’s Disease
   • Intensive care
   • Major head trauma
   • Meningitis
   • Motor neurone disease
   • Multiple sclerosis#
   • Muscular dystrophy
   • Peripheral neuropathy
Major transplant surgery
   • Paraplegia
   • Quadriplegia
   • Diplegia
   • Hemiplegia

For a partial payment:
   • Two vessels or less#^

* Please refer to the policy document for the definition of these conditions. You can make only one claim for each condition.
# For these conditions, a benefit is not payable if they are suffered within the first three months of cover.
^ For these conditions, a partial payment of 10% of the sum assured, to a maximum of $20,000, is payable. The Living Assurance sum assured will be reduced by the amount of the benefit paid.

Disclaimer: The availability of any insurance cover is subject to your application being approved. For full details, refer to the policy document which is available on request from Sovereign. Applications are subject to individual consideration. Special conditions, premiums, maximums and exclusions may apply.

It is a strange anomaly that people will insure their home, their car and yet neglect to insure their lives – surely the most important of all to their families, and more subject to loss” - UNKNOWN

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