DEFINITIONS OF COVERED EVENTS 1 - 4

DEFINITIONS OF COVERED EVENTS

(1)“Heart Attack”:

The death of a portion of the heart muscle (myocardium) as a result of inadequate blood supply and being evidenced by all of the following criteria:-
(a) A history of typical prolonged chest pain;
(b) New electrocardiographic changes resulting from this occurrence;
(c) Elevation of the cardiac enzyme, CPK-MB above the generally accepted laboratory levels of normal or troponins recorded at the following levels or higher:
Troponin T > 1.0 ng/ml or equivalent threshold with other Troponin I methods.
Angina is excluded.

(2) “Stroke”
:
A cerebrovascular accident or incident producing neurological sequelae of a permanent nature, having lasted not less than three (3) months. Infarction of brain tissue, hemorrhage and embolisation from an extra-cranial source are included. The diagnosis must be based on changes seen in a CT scan or MRI and certified by a Consultant Neurologist.
The following are excluded:
(a) cerebral symptoms due to transient ischemic attacks
(b) any reversible ischemic neurological deficit
(c) vertebrobasilar ischemia
(d) cerebral symptoms due to migraine
(e) cerebral injury resulting from trauma or hypoxia
(f) vascular disease affecting the eye or optic nerve or vestibular functions

(3)“Coronary Artery By-Pass Surgery”
:
The actual undergoing of open-chest surgery to correct or treat Coronary Artery Disease (CAD) by way of Coronary Artery By-Pass Grafting.
Angioplasty, other intra-arterial or catheter based techniques or keyhole or laser procedures are excluded.

(4)“Cancer”
:
Any malignant tumour positively diagnosed with histological confirmation and characterized by the uncontrolled growth of malignant cells and invasion of tissue.
The term malignant tumour includes leukemia, lymphoma and sarcoma.
For the above definition, the following are excluded:
(a) All cancers which are histologically classified as pre-malignant or non-invasive or carcinoma in   situ or having either borderline malignancy or having low malignant potential.
(b) All tumours of the prostate histologically classified as T1N0M0 (TNM classification).
(c) All tumours of the thyroid histologically classified as T1N0M0 (TNM classification)
(d) All tumours of the urinary bladder histologically classified as T1N0M0 (TNM classification)
(e) Chronic Lymphocytic Leukemia less than RAI Stage 3.
(f) All cancers in the presence of HIV.
(g) Any skin cancer other than malignant melanoma.

Ref:Gela

About the author:Kertar Singh has joint Great Eastern Life Assurance in August 1995 as a part time agent.

Became a full time agent in 2000 after retiring from the army after 22 years.

He deal with all kind of Insurance from Life Insurances to General Insurances and Will Writing.

Kertar.en@gmail.com

H.P 013-322 8582