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Major cancer benefit.
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19. Major
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Burns
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Mild Severe Burns
|
Second degree (partial
|
thickness of the skin)
|
burns covering at least
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20% of the surface of the
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life insured’s body. The
|
burns must be treated by
|
an appropriately qualified
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specialist.
|
20. Major
|
Cancer
|
Carcinoma in situ
|
Carcinoma in situ means
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the focal autonomous new
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growth of carcinomatous
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cells confined to the cells
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in which it originated and
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has not yet resulted in the
|
invasion and/or destruction
|
of surrounding tissues.
|
‘Invasion’ means an
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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
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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
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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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