DEFINITIONS OF COVERED EVENTS 5 - 11

 DEFINITIONS OF COVERED EVENTS 5 - 11


(5)“End Stage Kidney Failure”
:
End stage kidney failure presenting as chronic irreversible failure of both kidneys to function, as a result of which regular renal dialysis is initiated or renal transplantation is carried out.

(6)“Fulminant Viral Hepatitis”
:
A sub massive to massive necrosis of the liver caused by any virus leading precipitously to liver failure.
The diagnostic criteria to be met are:
(a) A rapidly decreasing liver size as confirmed by abdominal ultrasound;
(b) Necrosis involving entire lobules, leaving only a collapsed reticular framework;
(c) Rapidly deteriorating liver functions tests; and
(d) Deepening jaundice.
Hepatitis B infection or carrier status alone does not meet the diagnostic criteria.

(7)“Major Organ / Bone Marrow Transplant”:
The receipt of a transplant of:
(a) Human bone marrow using hematopoietic stem cells preceded by total bone marrow ablation; or
(b) One of the following human organs: heart, lung, liver, kidney, pancreas that resulted from irreversible end stage failure of the relevant organ.
Other stem cell transplants are excluded.

(8)“Paralysis / Paraplegia”:
The complete and permanent loss of use of both arms or both legs, or of one arm and one leg, through paralysis caused by illness or injury persisting for at least six (6) months from the date of trauma or illness.

(9)“Multiple Sclerosis”:
Unequivocal diagnosis by a Consultant Neurologist confirming the following combination, which has persisted for at least a continuous period of six (6) months:
(a) Symptoms referable to tracts (white matter) involving the optic nerves, brain stem and spinal cord, producing well-defined neurological deficits;
(b) A multiplicity of discrete lesions; and
(c) A well-documented history of exacerbation and remissions of said symptoms / neurological deficits.

(10)“Primary Pulmonary Arterial Hypertension”:
Primary Pulmonary Arterial Hypertension with substantial right ventricular enlargement established by investigations including cardiac catheterization, resulting in permanent physical impairment to the degree of at least Class III of the New York Heart Association (NYHA) classification of cardiac impairment.
Pulmonary arterial hypertension resulting from other causes shall be excluded from this benefit.
The NYHA Classification of Cardiac Impairment for Class III and Class IV means the following:-
Class III: Marked limitation of physical activity. Comfortable at rest but less than ordinary activity causes symptoms.
Class IV: Unable to engage in any physical activity without discomfort. Symptoms may be present even at rest.

(11)“Blindness / Total Loss Of Sight”:
Total and irrecoverable loss of sight in both eyes as a result of illness or accident. The blindness must be confirmed by an ophthalmologist.

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