Coverage You Can Count On
List of Insured Conditions.
Common Conditions
- Cancer
- Heart Attack
- Stroke
- Coronary Artery Bypass Surgery
- Major Organ Failure
- Multiple Sclerosis
- Parkinson’s Disease
- Alzheimer’s Disease
Rare Conditions
- Aorta Surgery
- Benign Brain Tumour
- Blindness
- Coma
- Deafness
- Dismemberment
- Heart Valve Replacement
- Loss of Speech
- Major Organ Transplant
- Motor Neuron Disease
- Occupational HIV Infection
- Paralysis
- Severe Burns
Description of Additional Benefit Conditions.
DCIS is the diagnosis by a doctor of the presence of Ductal Carcinoma In Situ of the breast, as confirmed by biopsy. A doctor certified as an oncologist must confirm the diagnosis in writing.
Early stage prostate cancer (T1a or T1b) treatment: Early Stage Prostate Cancer Treatment is the treatment for Early Stage Prostate Cancer (T1a or T1b). The diagnosis must be made by an oncologist. No benefit will be payable unless the oncologist has recommended one of the following treatments:
• Prostate surgery;
• Radiation therapy;
• Chemotherapy;
• Hormone therapy;
Loss of independence –Loss of independence is the definitive diagnosis by a doctor, which persists for at least ninety (90) days from the date of diagnosis, of either:
- being totally and permanently unable to perform, by oneself, at least 2 of the 6 activities of daily living or,
- having a cognitive impairment.
Cognitive impairment is a mental deterioration and loss of intellectual ability, evidenced by deterioration in memory, orientation and reasoning, which is measurable and results from demonstrable organic cause as diagnosed by a doctor. The degree of cognitive impairment must be sufficiently severe as to require a minimum of eight continuous hours of daily supervision.
Child Insured Conditions.
- Cerebral Palsy
- Cystic Fibrosis
- Down’s syndrome
- Muscular Dystrophy
