DEFINITIONS OF COVERED EVENTS 20 - 24

(20)“Motor Neuron Disease”:
A progressive degeneration of the corticospinal tracts and anterior horn cells or bulbar efferent neurons. These include spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis and primary lateral sclerosis.
The diagnosis must be confirmed by a Consultant Neurologist as progressive and resulting in permanent neurological deficit.

(21)“HIV Due To Blood Transfusion”:
Infection with the Human Immunodeficiency Virus (HIV) through a blood transfusion, provided that all of the following conditions are met:-
(a) The blood transfusion was medically necessary or given as part of a medical treatment;
(b) The blood transfusion was received in Malaysia or Singapore after the commencement of the policy;
(c) The source of the infection is established to be from the institution that provided the blood transfusion and the institution is able to trace the origin of the HIV tainted blood;
(d) The Life Assured does not suffer from hemophilia; and
(e) The Life Assured is not a member of any high risk groups such as but not limited to intravenous drug users.

(22)“Parkinson’s Disease”:
Unequivocal diagnosis of Parkinson’s Disease by a Consultant Neurologist where the condition:
(a) Cannot be controlled with medication;
(b) Shows signs of progressive impairment.
Activities of Daily Living assessment confirm the inability of the Life Assured to perform without assistance three (3) or more of the Activities of Daily Living.
Only idiopathic Parkinson’s Disease is covered. Drug-induced or toxic causes of Parkinsonism are excluded.

(23)“End Stage Liver Failure”:
End stage liver failure as evidenced by all of the following:
(a) Permanent jaundice;
(b) Ascites; and
(c) Hepatic encephalopathy.
Liver failure secondary to alcohol or drug abuse is excluded.

(24)“End Stage Lung Disease”:
End stage lung disease causing chronic respiratory failure.
All of the following criteria must be met:
(a) Requiring permanent oxygen therapy as a result of a consistent FEV1 test value of less than one (1) liter.
(Forced Expiratory Volume during the first second of a forced exhalation);
(b) Baseline Arterial Blood Gas analysis with partial oxygen pressures of 55mmHg or less;
(c) Dyspnea at rest.

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

Notes: Reference have been made from MII and Gela