fully covered
Definition
A definite diagnosis of meningitis, confirmed by cerebrospinal fluid showing the presence of pathogenic bacteria. The presence of pathogenic bacteria must be confirmed by culture or other generally medically accepted microbiological testing. The Bacterial Meningitis must result in objective Neurological Deficits persisting for at least 90 days from the date of diagnosis.
The diagnosis of Bacterial Meningitis 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 viral meningitis.
fully covered
Definition
A definite diagnosis of a non-malignant tumour located in the cranial vault and limited to the brain, meninges, cranial nerves or pituitary gland. The tumour must require surgical or radiation treatment or cause irreversible objective Neurological Deficit(s).
These deficits must be corroborated by diagnostic imaging showing changes that are consistent in character,location, and timing with the Neurological Deficit(s).
The diagnosis of a Benign Brain Tumour must be made by a Specialist.
Waiting Period
There is no Waiting Period for this condition.
Exclusions
Please see Section 1.7 for terms that apply to all cancer-related conditions covered under this Policy.
We will not pay a Critical Illness Benefit under this condition for:
fully covered
Definition
A definite diagnosis of a state of unconsciousness, with no reaction to external stimuli or response to internal needs for a continuous period of at least 96 hours, and for which period the Glasgow Coma Score must be 4 or less.
The diagnosis 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 for the following conditions:
fully covered
Definition
A definite diagnosis of Dementia characterized by a progressive deterioration of memory and at least one of the following areas of cognitive function:
The Policyholder must exhibit:
For purposes of this Policy, reference to the Mini Mental State exam is to Folstein MF, Folstein SE, McHugh PR, J Psychiatr Res 1975;12(3):189.
The diagnosis of Dementia 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 affective or schizophrenic disorders, or delirium.
fully covered
Definition
A definite diagnosis of one of the following:
The diagnosis of Motor Neuron Disease must be made by a Specialist.
Waiting Period
There is no Waiting Period for this condition.
Exclusions
None
fully covered
Definition
A definite diagnosis of the total loss of muscle function of two or more limbs as a result of injury or disease tothe nerve supply of those limbs, for a period of at least 90 days following the precipitating event.
The diagnosis of Paralysis must be made by a Specialist.
Waiting Period
Until the criteria outlined above for this condition have been met.
Exclusions
None
fully covered
Definition
A definite diagnosis of primary Parkinson’s Disease, a permanent neurologic condition which must becharacterized by bradykinesia (slowness of movement) and at least one of muscle rigidity; or rest tremor.
The Policyholder must exhibit objective signs of progressive deterioration in function for at least one year, for which the treating neurologist has recommended dopaminergic medication or other generally medically accepted equivalent treatment for Parkinson’s Disease.
Specified Atypical Parkinsonian Disorders are defined as a definite diagnosis of progressive supranuclear palsy,corticobasal degeneration, or multiple system atrophy.
The diagnosis of Parkinson’s Disease or a Specified Atypical Parkinsonian Disorder must be made by aneurologist.
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 other types of Parkinsonism.
1-year exclusion:
We will not pay a Critical Illness Benefit under this condition if, within the first year following the later of: (i) the Effective Date; and (ii) the most recent Effective Date of Reinstatement, the Policyholder has any of the following:
Medical information about the diagnosis and any signs, symptoms or investigations leading to the diagnosis must be reported to us within six months of the date of the diagnosis. If this information is not provided within this period, we have the right to deny any claim for Parkinson’s Disease or Specified Atypical Parkinsonian Disorders or any critical illness caused by Parkinson’s Disease or Specified Atypical Parkinsonian Disorders or its treatment.
fully covered
Definition
A definite diagnosis of an acute cerebrovascular event caused by intra-cranial thrombosis or hemorrhage, or embolism, with:
persisting continuously for more than 30 days following the date of diagnosis. These new symptoms and deficits must be corroborated by diagnostic imaging testing showing changes that are consistent in character, location and timing with the new Neurological Deficits.
The diagnosis of Stroke 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:
fully covered
Definition
A definite diagnosis of new damage to brain tissue caused by traumatic head injury, resulting in a newly developed significant Neurological Deficit (defined in Section 3 – Definitions) that:
The diagnosis of Acquired Brain Injury must be made by a Specialist.
Waiting Period
Until the criteria outlined above for this condition have been met.
Exclusions
We will not pay the Critical Illness Benefit for this condition for: