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which clearly define the
|
severity of the impairment.
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The life insured must
|
have been placed on
|
disease modifying
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treatment prescribed by a
|
specialist and must be
|
under the continuous care
|
of a specialist.
|
Intermediate Stage
|
Moderate to Severe
|
Alzheimer’s Disease
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A definite diagnosis of
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Alzheimer’s disease or
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dementia due to
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irreversible organic brain
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disorders by a consultant
|
neurologist. The Minimental exam score must
|
be less than 20 out of 30
|
as assessed by two (2)
|
neuropsychometric tests
|
performed six (6) months
|
apart which clearly define
|
the severity of the
|
impairment. There must
|
also be permanent clinical
|
loss of the ability to do all
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the following:
|
• Remember;
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• Reason; and
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• Perceive, understand,
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express and give effect
|
to ideas.
|
The following are
|
excluded:
|
• Non-organic diseases
|
such as neurosis and
|
psychiatric illnesses; and
|
• Alcohol related brain
|
damage.
|
This diagnosis must be
|
supported by the clinical
|
confirmation of an
|
appropriate consultant and
|
supported by our
|
appointed medical
|
examiner.
|
Coverage on Early Stage
|
Alzheimer expires on the
|
policy anniversary on
|
which the life insured is
|
Age 85 Last Birthday.
|
The following are
|
excluded:
|
• Non-organic diseases
|
such as neurosis and
|
psychiatric illnesses;
|
and
|
• Alcohol related brain
|
damage.
|
Locked in syndrome
|
Condition in which a
|
person is aware but
|
cannot move or
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communicate verbally due
|
to complete paralysis of all
|
voluntary muscles in the
|
body except for vertical
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eye movements and
|
blinking. There should be
|
evidence of quadriplegia
|
and inability to speak. This
|
diagnosis must be
|
supported by evidence of
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infarction of the ventral
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pons and EEG indicating
|
that the person is not
|
Akinetic Mutism
|
Organic brain damage
|
which results in a person
|
being unable to talk or
|
move despite the fact that
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they appear alert at times.
|
This diagnosis must be
|
supported by evidence
|
showing organic brain
|
damage and definitely
|
confirmed by a consultant
|
neurologist holding such
|
an appointment at an
|
approved hospital. This
|
condition has to be
|
medically documented for
|
a continuous period of at
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