罹患末期疾病是指註冊醫生或註冊中醫以填寫及簽署的醫學證明書確認，成員所患疾病相當可能令預期壽命減至12個月或以下。
Terminal illness requires a completed and signed medical certificate from a registered medical practitioner or registered Chinese medicine practitioner stating that the illness is likely to reduce the member's life expectancy to 12 months or less.