DEFINITIONS OF COVERED EVENTS 31 -36

(31)“Brain Surgery”:
The actual undergoing of surgery to the brain under general anesthesia during which a craniotomy is performed.
The following are excluded:
(a) Burr hole procedures, transphenoidal procedures or other minimally invasive procedures
(b) Brain surgery as a result of an accident.

(32)“Bacterial Meningitis”:
Bacterial meningitis causing inflammation of the membranes of the brain or spinal cord resulting in permanent neurological deficit lasting for a minimum period of thirty (30) days and resulting in a permanent inability to perform at least three (3) of the Activities of Daily Living.
The diagnosis is to be confirmed by:
(a) an appropriate specialist
(b) the presence of bacterial infection in the cerebrospinal fluid by lumbar puncture.

(33)“Other Serious Coronary ArteryDisease”:
The narrowing of the lumen of at least three (3) major coronary arteries (not inclusive of their branches) by a minimum of sixty percent (60%) or more as proven by coronary arteriography (non-invasive diagnostic procedures are excluded). Coronary Arteries herein refer to the Circumflex Artery, Right Coronary Artery (RCA), Left Anterior Descending Artery (LAD) and Left Main Stem (a narrowing of sixty percent (60%) or more of the Left Main Stem will be considered as a narrowing of two (2) major arteries). This benefit is payable regardless of whether or not any form of coronary artery surgery has been performed.

(34)“Loss Of Independent Existence”
Confirmation by an appropriate specialist of the loss of independent existence lasting for a minimum consecutive period of six (6) months and resulting in a permanent inability to perform at least three (3) of the Activities of Daily Living.

(35)“Systemic Lupus Erythematosus (SLE) With Lupus Nephritis”:
A multi-system, autoimmune disorder characterized by the development of auto-antibodies, directed against various self-antigens.
Within the context of this endorsement, SLE is restricted to only those forms of systemic lupus Erythematosus, which involve the kidneys (Type III to Type V Lupus Nephritis, established by renal biopsy). Other forms such as discoid lupus or those forms with only hematological or joint involvement are specifically excluded.
WHO Lupus Classification:
Class I - Minimal change glomerulonephritis
Class II - Mesangial glomerulonephritis
Class III - Focal Segmental glomerulonephritis
Class IV - Diffuse glomerulonephritis
Class V - Membranous glomerulonephritis

(36)“Full Blown AIDS”:
The clinical manifestation of AIDS (Acquired Immuno-deficiency Syndrome) must be supported by the results of a positive HIV (Human Immuno-deficiency Virus) antibody test and a confirmatory Western Blot test. In addition, the Life Assured must have a CD4 cell count of less than two hundred (200) and one or more of the following criteria are met:
(a) Weight loss of more than ten percent (10%) of body weight over a period of six (6) months or less (wasting syndrome);
(b) Kaposi Sarcoma;
(c) Pneumocystis Carinii Pneumonia;
(d) Progressive multifocal leukoencephalopathy;
(e) Active Tuberculosis;
(f) Less than one-thousand (1000) lymphocytes;
(g) Malignant Lymphoma.

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