Accident hospitalisation

Here you'll find our current definition of the critical illness, additional condition or child specific condition we cover. We've also listed any previous definitions we may have had. With each new definition we've highlighted what's changed from the previous definition.

Current definition

March 2020 (ACC)

Accident hospitalisation - requiring a hospital stay for 28 consecutive days

An accident that results in physical injury which requires the person covered to stay in hospital for 28 consecutive days or more on advice of an appropriate medical specialist.

Changes from the previous definition

We've removed the drug and alcohol exclusion.

Previous definitions

Accident hospitalisation – requiring a hospital stay for 28 consecutive days

An accident that results in physical injury which requires the person covered to stay in hospital for 28 consecutive days or more on the advice of an appropriate medical specialist.

For the above definition, the following is not covered:

  • an accident as a result of drug or alcohol intake or other self-inflicted means.