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

'Sick' or 'Sickness' means a medical condition, not being an Injury, which first occurs or first manifests during Your Period of Insurance.

Sickness includes mental illness.

For the purposes of this definition a Sickness that first manifests itself on the earlier of:

• The date Your Medical Adviser 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 Adviser 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 Adviser, whichever is the earlier.

For more information, refer to our Product Disclosure Statement (PDS).