Early Stage

You will receive 30% of the sum insured upon diagnosis of a covered Critical Illness. In the event a claim for Early Stage is paid, it shall reduce the sum insured of the Critical Stage accordingly.

1. Cancer

If one of the following minor cancer condition is met:

• Carcinoma-in-situ of the following sites: Breast, uterus, ovary, fallopian tube, vulva, vagina, cervix uteri, colon, rectum, penis, testis, lung, liver, bladder, stomach or nasopharynx. The diagnosis of Carcinoma-in-situ must be positively established by microscopic examination of fixed tissues.
  
  Clinical diagnosis or the Cervical Intraepithelial Neoplasia (CIN) classification which reports CIN I, CIN II, and CIN III (severe dysplasia without carcinoma-in-situ) does not meet with the required definition and are specifically excluded. Carcinoma-in-situ of the biliary system is also specifically excluded.
• Prostate Cancer that is histologically described using the TNM Classification as T1N0M0 or Prostate cancers described using another equivalent classification.
• Your policy has a RM100 deductible

2. Stroke and specific brain surgery

• The actual undergoing of surgical repair of an intracranial aneurysm via craniotomy. The surgical intervention must be certified to be medically necessary by a neurologist. Endovascular repair or procedures are not covered, or
• The actual undergoing of surgical implantation of a shunt from the ventricles of the brain to relieve raised pressure in the cerebrospinal fluid. The need of a shunt must be certified to be medically necessary by a neurologist.

3. Heart Attack and specific heart surgery

• Insertion of a permanent cardiac pacemaker that is required as a result of serious cardiac arrhythmia which cannot be treated via other means. The insertion of the cardiac pacemaker must be certified to be medically necessary by a cardiologist or physician or
• The undergoing of a pericardiectomy as a result of pericardial disease or undergoing of any surgical procedure requiring keyhole cardiac surgery. Both these surgical procedures must be certified to be medically necessary bya cardiologist or physician.

4. Kidney Failure

The complete surgical removal of one kidney necessitated by any illness or accident. The need for the surgical removal of the kidney must be certified to be medically necessary by a nephrologist.

Kidney transplant is excluded.

Critical Stage

You will receive up to 100% of the sum insured upon diagnosis of a covered Critical Illness provided no Early Stage claim has been made.

1. Cancer

Any malignant tumour positively diagnosed with histological confirmation and characterized by the uncontrolled growth of malignant cells and invasion of tissue. The term malignant tumour includes leukemia, lymphoma and sarcoma.

For the above definition, the following are not covered:

• All cancers which are histologically classified as any of the following:
  a. pre-malignant
  b. non-invasive
  c. carcinoma-in-situ
  d. having borderline malignancy
  e. having malignant potential
• All tumours of the prostate histologically classified as T1N0M0 (TNM classification)
• All tumours of the thyroid histologically classified as T1N0M0 (TNM classification)
• All tumours of the urinary bladder histologically classified as T1N0M0 (TNM classification)
• Chronic Lymphocytic Leukemia less than RAI Stage 3
• All cancers in the presence of HIV
• Skin cancer other than malignant melanoma

2. Stroke and specific brain surgery

Cerebrovascular accident or incident producing neurological sequelae of a permanent nature, having lasted not less than three (3) months. Infarction of brain tissue due to inadequate blood supply, bleeding within the skull or embolization from an extra cranial source resulting in permanent neurological deficit with persisting clinical symptoms. The diagnosis must be based on changes seen in a CT scan or MRI and certified by a neurologist. A minimum assessment period of three (3) months applies.

For the above definition, the following are not covered:

• Cerebral symptoms due to transient ischemic attacks
• Cerebral symptoms due to migraine
• Traumatic injury to brain tissue or blood vessels
• Vascular disease affecting the eye or optic nerve or vestibular functions

3. Heart Attack and specific heart surgery

Death of a portion of the heart muscle (myocardium), due to inadequate blood supply that has resulted in all of the following evidence of acute myocardial infarction:

A history of typical prolonged chest pain;

• New characteristic electrocardiographic changes; with the development of any of the following: ST elevation or depression, T wave inversion, pathological Q waves or left bundle branch block; and
• Elevation of the cardiac biomarkers, inclusive of CPK-MB above the generally accepted normal laboratory levels or Troponins recorded at the following levels or higher: Cardiac Troponin T > 1.0 ng/ml or Cardiac Troponin I ≥ 0.5 ng/ml

The evidence must show the occurrence of a definite acute myocardial infarction which should be confirmed by a cardiologist or Physician.

For the above definition, the following are not covered:

• occurrence of an acute coronary syndrome including but not limited to unstable angina
• a rise in cardiac biomarkers resulting from a percutaneous procedure for coronary artery disease

4. Kidney Failure

End-stage kidney failure presenting as chronic irreversible failure of both kidneys to function, as a result of which regularrenal dialysis is initiated or kidney/renal transplantation is carried out.