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Major cancer benefit. |
19. Major |
Burns |
Mild Severe Burns |
Second degree (partial |
thickness of the skin) |
burns covering at least |
20% of the surface of the |
life insured’s body. The |
burns must be treated by |
an appropriately qualified |
specialist. |
20. Major |
Cancer |
Carcinoma in situ |
Carcinoma in situ means |
the focal autonomous new |
growth of carcinomatous |
cells confined to the cells |
in which it originated and |
has not yet resulted in the |
invasion and/or destruction |
of surrounding tissues. |
‘Invasion’ means an |
infiltration and/or active |
destruction of normal |
tissue beyond the |
basement membrane. The |
diagnosis of the |
Carcinoma in situ must |
always be supported by a |
histo-pathological report. |
Furthermore, the |
diagnosis of Carcinoma in |
situ must always be |
positively diagnosed upon |
the basis of a microscopic |
examination of the fixed |
tissue, supported by a |
biopsy result. |
Early Prostate Cancer |
Intermediate Stage |
This benefit is payable on |
diagnosis of complete |
and irrecoverable paralysis |
of the vocal cords as a |
consequence of |
neurological disease or |
injury. The benefit is only |
payable where surgical |
intervention is required on |
the advice of an Ear, |
Nose, and Throat (ENT) |
surgeon to restore the loss |
of speech. |
Advanced Stage1 |
Total and irreversible loss |
of the ability to speak as a |
result of injury or disease |
to the vocal cords. The |
inability to speak must be |
established for a |
continuous period of |
twelve (12) months. This |
diagnosis must be |
supported by medical |
evidence furnished by an |
Ear, Nose, Throat (ENT) |
specialist. |
The inability to speak must |
be established for a |
continuous period of |
twelve (12) months. This |
diagnosis must be |
supported by medical |
evidence furnished by an |
Ear, Nose, Throat (ENT) |
specialist. |
All psychiatric related |
causes are excluded. |
All psychiatric related |
causes are excluded. |
Moderately Severe |
Burns |
Third degree (full |
thickness of the skin) |
burns covering at least |
50% of the face of the life |
insured. The burns must |
be treated by an |
appropriately qualified |
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