What does 'Sick' or 'Sickness' mean in the PDS?

'Sick' or 'Sickness' means a medical condition (including but not limited to any illness, disease or mental illness) that is not an injury.

‘Sickness date’ means the earlier of: 

• the date your medical practitioner reasonably diagnoses as the most likely date the sickness or symptoms of the sickness first occurred or manifested, whichever is the earlier; 
• the date our medical practitioner reasonably diagnoses as the most likely date the sickness or symptoms of the sickness first occurred or manifested, whichever is the earlier; 
• the date you first became aware of the sickness or symptoms of the sickness, whichever is the earlier; 
• the date a reasonable person in the circumstances would have been aware of the sickness or symptoms of the sickness, whichever is the earlier; or 
• the date the sickness or symptoms of the sickness, were first diagnosed by a medical practitioner, whichever is the earlier.

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