Page 20 - Life Insurance Today January 2018

iii. Malignant melanoma that has not caused ii. New characteristic electrocardiogram
invasion beyond the epidermis; changes

iv. All tumors of the prostate unless histologically iii. Elevation of infarction specific enzymes,
classified as having a Gleason score greater Troponins or other specific biochemical
than 6 or having progressed to at least clinical markers.
TNM classification T2N0M0 II. The following are excluded:
v. All Thyroid cancers histologically classified as i. Other acute Coronary Syndromes
T1N0M0 (TNM Classification) or below;
ii. Any type of angina pectoris
vi. Chronic lymphocytic leukaemia less than RAI
stage 3 iii. A rise in cardiac biomarkers or Troponin T or
I in absence of overt ischemic heart disease
vii. Non-invasive papillary cancer of the bladder OR following an intra-arterial cardiac
histologically described as TaN0M0 or of a procedure.
lesser classification,

viii. All Gastro-Intestinal Stromal Tumors 4. Kidney Failure Requiring Regular
histologically classified as T1N0M0 (TNM
Classification) or below and with mitotic Dialysis
count of less than or equal to 5/50 HPFs; End stage renal disease presenting as chronic
irreversible failure of both kidneys to function, as a
ix. All tumors in the presence of HIV infection.
result of which either regular renal dialysis
2. Open Chest CABG (haemodialysis or peritoneal dialysis) is instituted or
renal transplantation is carried out. Diagnosis has to
I. The actual undergoing of heart surgery to correct be confirmed by a specialist medical practitioner.
blockage or narrowing in one or more coronary
artery(s), by coronary artery bypass grafting done
via a sternotomy (cutting through the breast bone) 5. Major Organ /Bone Marrow Trans-
or minimally invasive keyhole coronary artery plant (as recipient)
bypass procedures. The diagnosis must be I. The actual undergoing of a transplant of:
supported by a coronary angiography and the i. One of the following human organs: heart,
realization of surgery has to be confirmed by a lung, liver, kidney, pancreas, that resulted
cardiologist. from irreversible end-stage failure of the
II. The following are excluded: relevant organ, or
Angioplasty and/or any other intra-arterial ii. Human bone marrow using haematopoietic
procedures stem cells. The undergoing of a transplant has
to be confirmed by a specialist medical
3. Myocardial Infarction practitioner.

(First Heart Attack of specific severity) II. The following are excluded:
I. The first occurrence of heart attack or myocardial
infarction, which means the death of a portion of i. Other stem-cell transplants
the heart muscle as a result of inadequate blood ii. Where only islets of langerhans are
supply to the relevant area. The diagnosis for transplanted
Myocardial Infarction should be evidenced by all
of the following criteria: 6. Stroke Resulting in Permanent
i. A history of typical clinical symptoms
consistent with the diagnosis of acute Symptoms
myocardial infarction (For e.g. typical chest I. Any cerebrovascular incident producing
pain) permanent neurological sequelae. This includes

“Don’t judge each day by the harvest you reap but by the seeds you plant.”

20 January 2018 Life Insurance Today

Sashi Publications Pvt Ltd Call 8443808873/ 8232083010