Critical Illness Cover
Definition Of Terms
This being the death of heart muscle, due to inadequate blood supply that has resulted in all of the following evidence of acute myocardial infarction. The diagnosis should be based on all of the following criteria:
- A history of typical Clinical chest pain
- New characteristic electrocardiographic changes
- The characteristic rise of cardiac enzymes or Troponins recorded at the following levels or higher:
- Troponin T>1.0ng/ml AccuTnl >0.5ng/m; or equivalent threshold with other Troponin I methods
For the above definition, the following are not covered:
- Other acute coronary syndromes
- Angina without myocardial infarction
Being the presence and uncontrolled growth of malignant tumors including leukemia and Hodgkin’s disease.
Incontrovertible evidence of the invasion of tissue or definite histology of a malignant growth must be produced. The following are excluded:
- All tumors which are histologically described as pre-malignant, as non-invasive or as cancer in situ
- Kaposi’s sarcoma and/or other tumors in the presence of Human Immunodeficiency Virus
- Any skin cancer (including cutaneous lymphoma) other than malignant melanoma that has been histologically classified as having caused invasion beyond the epidermis (outer layer of skin)All tumors of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M.
A cerebrovascular incident which results in permanent neurological deficit. The diagnosis must be supported by new changes on a CT or MRI scan. Infarction of brain tissue or intracranial bleeding because of external injury is specifically excluded. Transient ischemic attacks are also excluded.
The total loss of function of two or more limbs due to injury or disease of the spinal cord or brain, where such functional loss is considered to be permanent by a neurologist. The paralysis must have persisted for at least 6 months and be supported by acceptable neurological evidence. Loss of function of limbs classified as Diplegia, Hemiplegia, Tetraplegia and Quadriplegia are included.