1. Alzheimer's Disease/Severe Dementia
2. Angioplasty and Other Invasive Treatments for Coronary Artery Disease
3. Bacterial Meningtis - Resulting in Permanent Inability to Perform Activities of Daily Living
4. Benign Brain Tumor - of Specified Severity
5. Blindness - Permanent and Irreversible
6. Brain Surgery
7. Cancer - of Specified Severity and does not Cover Very Early Cancers
8. Cardiomyopathy - of Specified Severity
9. Chronic Aplastic Anaemia - Resulting in Permanent Bone Marrow Failure
10. Coma - Resulting in Permanent Neurological Deficit with Persisting Clinical Symptoms
11. Coronary Artery By-Pass Surgery
12. Deafness - Permanent and irreversible
13. Encephalitis - Resulting in Permanent Inability to Perform Activities of Daily Living
14. End-Stage Liver Failure
15. End-Stage Lung Disease
16. Full-Blown AIDS
17. Fulminant Viral Hepatitis
18. Heart Attack - of Specified Severity
19. Heart Valve Surgery
20. HIV Infection Due to Blood Transfusion
21. Kidney Failure - Requiring Dialysis or Kidney Transplant
22. Loss of Independent Existence
23. Loss of Speech
24. Major Head Trauma - Resulting in Permanent Inability to Perform Activities of Daily Living
25. Major Organ/Bone Marrow Transplant
26. Motor Neurone Disease - Permanent Neurological Deficit with Persisting Clinical Symptoms
27. Multiple Sclerosis
28. Muscular Dystrophy
29. Paralysis of Limbs
30. Parkinson's Disease - Resulting in Permanent Inability to Perform Activities of Daily Living
31. Systemic Lupus Erythematosus with Severe Kidney Complications
32. Serious Coronary Artery Disease
33. Primary Pulmonary Arterial Hypertension - of Specified Severity
34. Stroke - Resulting in Permananent Neurological Deficit with Persisting Clinical Symptoms
35. Surgery of Aorta
36. Third Degree Burns - of Specified Severity
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