What is the meaning of 'Permanent disability' in the PDS?

'Permanent disability and permanently disabled' means:

a) total and irrecoverable loss of all your sight in one or both eyes; or total and irrecoverable loss of use and functionality of one or more of your limbs (In respect of this definition, limbs mean an entire hand, an entire foot, the entire limb between the elbow and hand for an arm, or the entire limb between the knee and foot for a leg); and

b) in the opinion of an appropriate Medical practitioner specialising in the relevant field, with medical evidence, that the loss will last for at least 12 consecutive months from the injury date, and that the loss will continue indefinitely without any hope of improvement.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).