fully covered
Definition
A rise and fall of biochemical cardiac markers to levels considered diagnostic of myocardial infarction, with at least one of the following:
The diagnosis of Heart Attack must be made by a Specialist.
Waiting Period
30 days following the date the condition was diagnosed.
Exclusions
We will not pay a Critical Illness Benefit under this condition for:
fully covered
Definition
The undergoing of surgery to replace any heart valve with either a natural or mechanical valve, or to repair heart valve defects or abnormalities.
The surgery must be determined to be medically necessary by a Specialist.
Waiting Period
30 days following the date of surgery.
Exclusions
We will not pay a Critical Illness Benefit under this condition for:
fully covered
Definition
The undergoing of heart surgery to correct narrowing or blockage of one or more coronary arteries with bypass graft(s).
The surgery must be determined to be medically necessary by a Specialist.
Waiting Period
30 days following the date of your surgery.
Exclusions
We will not pay a Critical Illness Benefit under this condition for:
fully covered
Definition
The undergoing of surgery for disease of the aorta requiring excision and surgical replacement of any part of the diseased aorta with a graft. Aorta means the thoracic and abdominal aorta but not its branches.
The surgery must be determined to be medically necessary by a Specialist.
Waiting Period
30 days following the date of surgery.
Exclusions
We will not pay a Critical Illness Benefit under this condition for:
fully covered
Definition
A definite diagnosis of a non-alcohol related dilated, ischemic, hypertrophic and restrictive forms of cardiomyopathy. Cardiac imaging must show permanent left ventricular dysfunction as evidenced by one of the following:
The Cardiomyopathy must result in permanent functional impairment to at least Class III of the New York Heart Association (NYHA) Classification which has persisted for at least six months while on optimal therapy. NYHA Class III means the Policyholder has marked limitation of physical activity and less than ordinary activity such as walking across a room causes fatigue, rapid/irregular heartbeat (palpitations) or shortness of breath (dyspnea).
The diagnosis of a Cardiomyopathy must be made by a Specialist.
Waiting Period
Until the criteria outlined above for this condition have been met.
Exclusions
We will not pay a Critical Illness Benefit under this condition for any form of Cardiomyopathy that is caused directly or indirectly by alcohol use.
partially covered
Definition
A definite diagnosis of aortic aneurysm, where the aorta is enlarged to at least 55 mm in diameter for males or 50 mm for females.
For the purposes of this definition, "aorta" means the thoracic and abdominal aorta, but not its branches.
The diagnosis of aortic aneurysm must be evidenced by appropriate imaging technique and confirmed by a Specialist.
Waiting Period
30 days after the date of diagnosis.
Exclusions
None
partially covered
Definition
The undergoing of any interventional procedure to widen a narrowed or obstructed coronary artery which supplies blood to the heart.
The procedure must be considered medically necessary and performed by a Specialist.
Waiting Period
30 days following the date of your surgery.
Exclusions
None
partially covered
Definition
The actual undergoing of a percutaneous trans-vascular, catheter-based procedure to repair or correct an aneurysm, narrowing, obstruction or dissection of the aorta. For the purposes of this definition, "aorta" means the thoracic and abdominal aorta, but not its branches.
The surgical procedure must be considered medically necessary, evidenced by appropriate investigations and performed by a Specialist.
Waiting Period
30 days following the date of your surgery.
Exclusions
None
partially covered
Definition
The actual undergoing of the Implantation of a Permanent Cardiac Pacemaker for the treatment of electrical conduction system disease of the heart.
The procedure must be supported by appropriate investigations and be both deemed medically necessary and performed by a Specialist.
Waiting Period
30 days following the date of your surgery.
Exclusions
No Early Condition Benefit will be payable under this condition for:
partially covered
Definition
The actual undergoing of the Implantation of a Permanent Implantable Cardioverter-Defibrillator (ICD).
This definition covers for two types of permanent implantable cardioverter-defibrillator (ICD) systems: the conventional transvenous implantable cardioverter-defibrillator (TV-ICD) and the subcutaneous implantable cardioverter-defibrillator (S-ICD).
The procedure must be supported by appropriate investigations and be both deemed medically necessary and performed by a Specialist.
In addition, based on the opinion of an expert electrophysiologist, there must have been the deployment of a permanent implantable cardioverter-defibrillator for one of the following reasons:
Waiting Period
30 days following the date of your surgery.
Exclusions
No Early Condition Benefit will be payable under this condition for:
No Early Condition Benefit will be payable under this condition if the Policyholder has received a payout for the Implantation of a Permanent Cardiac Pacemaker.