Australian trauma policies generally distinguish between the standard 'full benefit' definition (often requiring a more advanced or severe diagnosis) and a 'partial benefit' definition that pays a percentage on early-stage diagnoses. For cancer, this is most visible: many policies require an invasive cancer diagnosis or specific stage thresholds for full benefit, but pay a partial benefit (commonly 25%) for carcinoma in situ, early-stage prostate cancer, or skin cancers above defined thresholds. For heart attack, many policies require evidence of myocardial damage above a defined troponin level or specific ECG changes; lesser cardiac events may pay a partial benefit. For stroke, full benefit usually requires permanent neurological deficit lasting beyond 24 hours; transient ischaemic attack (TIA) may not be covered at all under some policies. The exact thresholds for 'early stage' versus 'full benefit' vary materially between insurers — Zurich's PDS lists 43 full-benefit and 13 partial-benefit conditions, TAL's lists 40, AIA's panel includes 40+. Reading the medical definition for each condition (rather than just counting how many conditions are covered) is the more useful comparison. Some conditions like motor neurone disease, paraplegia, or end-stage organ failure do not have early-stage variants and pay full benefit on diagnosis.