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

'Permanent disability and permanently disabled' means:

• You have totally lost all ofyour sight in one or both eyes; or the loss of use of one or more limbs (between the shoulder and wrist, or between the hip and ankle); and
• The loss is for at least 12 months; and
• In our opinion after consultation with an appropriate medical specialist, will continue indefinitely.

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