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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