MLC Critical Illness Plus and Standard

Cover for	Critical Illness Plus		Critical Illness Standard
A range of critical conditions	40 critical conditions		5 critical conditions
Critical conditions and definitions cannot be limited on renewal			The conditions and definitions may change in the future
Stand alone option			-
Financial Planning Benefit
Increases without medical evidence
Critical condition*	Critical Illness Plus		Critical Illness Standard
Coronary artery bypass surgery^
Heart attack^
Loss of independence
Malignant cancer^
Stroke^
Aorta repair^			-
Aplastic anaemia			-
Bacterial meningitis
Benign Brain Tumour			-
Blindness			-
Cardiomyopathy			-
Chronic kidney failure			-
Chronic liver failure			-
Chronic lung failure			-
Coma			-
Coronary artery angioplasty^			-
Coronary artery angioplasty – triple vessel^			-
Deafness			-
Dementia or Alzheimer's disease			-
Encephalitis			-
Heart valve surgery^			-
HIV contracted through medical procedures			-
HIV contracted through your work			-
Intensive care			-
Loss of speech			-
Major brain injury			-
Major burns			-
Major organ transplant			-
Meningococcal septicaemia			-
Motor neurone disease			-
Multiple Sclerosis			-
Muscular dystrophy			-
Open heart surgery			-
Out of hospital cardiac
Parkinson's disease
Paralysis (includes paraplegia, quadriplegia, hemiplegia, diplegia, tetraplegia)
Pneumonectomy
Primary pulmonary hypertension
Severe osteoporosis
Severe rheumatoid arthritis
If you choose critical illness as part of your life cover, death and terminal illness are included as critical conditions. In addition, you can also choose to include total and permanent disability as a critical illness condition for an additional premium.
Total and Permanent Disability (TPD)-(Optional)
Life Cover Buy Back Option
Apply to add TPD as a critical condition

* All critical conditions have precise definitions and all parts of the definition must be met before a benefit can be paid. Please refer to the current MLC Personal Protection Portfolio and MLC Life Cover Super Product Disclosure Statement (PDS) for details.

^ Qualifying periods apply to these conditions. Refer to the current MLC Personal Protection Portfolio and MLC Life Cover Super PDS for details.

Back to Critical Illness

Disclaimer
The information provided here is for general use only and has been prepared without taking into account any particular person's objectives, financial situation or needs. You should, before acting on this information, consider the appropriateness of this information having regard to your personal objectives, financial situation or needs. You should obtain financial advice specific to your situation before making any financial investment or insurance decision.

MLC Limited (ABN 90 000 000 402 AFSL 230694) is the issuer of MLC Personal Protection Portfolio.
MLC Nominees Pty Limited (ABN 93 002 814 959 AFSL 230702 RSE L0002998 Trustee of The Universal Super Scheme R1056778) is the issuer of MLC Life Cover Super. MLC Limited and MLC Nominees Pty Limited, both of 105-153 Miller Street, North Sydney NSW 2060, are members of the National Australia Group of companies.

The combined Product Disclosure Statement (‘PDS’) for MLC Personal Protection Portfolio and MLC Life Cover Super provides information about these products. You should consider this disclosure document before making any decision about whether to acquire a policy. A copy of the PDS is available upon request by contacting the MLC Service Centre on 132 652 or you can download it from our website at mlc.com.au.