Serious injury or illness

an acute physical injury or illness that requires medical or surgical treatment by, or under the supervision of, a medical practitioner or a nurse (whether or not in a hospital, clinic or similar place).

It does not include:

• an ailment, disorder, defect or morbid condition (whether of sudden onset or gradual development) or
• the recurrence, or aggravation, of such an ailment, disorder, defect or morbid condition.