Critical Illness - Medical Conditions Covered ( C - D )
Cancer
Contract Terminology
A malignancy that is characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue.
**Upgraded Contract Wording is available under the Prevention + Benifit:
Exclusions and restrictions:
Subject to the partial protection described under the title **PREVENTION + BENEFIT of this clause, the following conditions are excluded:
- Non-invasive in situ cancer;
- Skin Cancer, except invasive malignant melanoma into the dermis lower than a depth of 1.0mm;
- Stage A (T1a or T1b) prostate cancer.
- No benefit is payable for a diagnosis of cancer (covered or excluded) made within 90 days after the effective date of the protection or within 90 days of any reinstatement of the protection. In addition, no critical illness benefit is payable if the insured's condition results directly from cancer diagnosed during one of these 90-day periods or treatments of this cancer.
- No benefit is payable for any sign or symptom that appears within 90 days after the effective date of the protection and having motivated a medical consultation or tests leading to a diagnosis of any type of cancer whatsoever (covered or excluded in the contract). In such a case, no cancer benefit is payable for any subsequent diagnosis of cancer. In addition, no critical illness benefit is payable if the insured's condition results directly from any sign or symptom that appears during one of these 90-day periods and having motivated a medical consultation or tests leading to a diagnosis of any type of cancer whatsoever (covered or excluded in the contract).
Specifics:
Even though certain cancers are excluded according to the preceding definition, a partial benefit may be payable for some of these cancers.
Coma
Contract Terminology
A state of deep unconsciousness, during which the insured only shows signs of primary defensive reflexes to external stimuli, for a continuous period of at least 96 hours.
Specifics
The coma may be caused by illness or injury.
Coronary Artery Bypass Surgery
Contract Terminology
Heart surgery performed to correct narrowing or blockage of one or more coronary arteries with bypass grafts.
Exclusion:
Subject to the partial protection described under the title PREVENTION + BENEFIT of this clause, balloon angioplasty, laser embolectomy treatment or any non-surgical technique are excluded.
Specifics:
Even though balloon angioplasty is excluded according under this definition, a partial benefit may be payable for a balloon angioplasty. Refer to the 'prevention + benefit' for more details.
Cystic Fibrosis
Contract Terminology
A diagnosis of cystic fibrosis.
Specifics:
This is a hereditary disorder of the exocrine glands. The glands secrete an unusually think and sticky mucous that affects the pancreas, the respiratory system and the sudoriparous glands. The illness is characterized by chronic respiratory infections, pancreatic insufficiency and heat intolerance.
Deafness
Contract Terminology
Permanent and profound loss of hearing in both ears, with and auditory threshold of more than 90 decibles with no possibility of correction.
Specifics:
This deafness is covered, regardless of the cause.
Dismemberment
Contract Terminology
The total and permanent amputation of any 2 limbs above the wrist or ankle joint.
Specifics:
Dismemberment may be caused by accident, illness or disease.
Medical Conditions : A - B | C - D | K - L | M | O - S