Page 21 - Life Insurance Today January 2018

infarction of brain tissue, thrombosis in an 10. Primary (Idiopathic) Pulmonary
intracranial vessel, haemorrhage and embolisation
from an extracranial source. Diagnosis has to be Hypertension
confirmed by a specialist medical practitioner and I. An unequivocal diagnosis of Primary (Idiopathic)
evidenced by typical clinical symptoms as well as Pulmonary Hypertension by a Cardiologist or
typical findings in CT Scan or MRI of the brain. specialist in respiratory medicine with evidence of
Evidence of permanent neurological deficit lasting right ventricular enlargement and the pulmonary
for at least 3 months has to be produced. artery pressure above 30 mm of Hg on Cardiac
Cauterization. There must be permanent
II. The following are excluded:
i. Transient ischemic attacks (TIA) irreversible physical impairment to the degree of
at least Class IV of the New York Heart Association
ii. Traumatic injury of the brain Classification of cardiac impairment.
iii. Vascular disease affecting only the eye or II. The NYHA Classification of Cardiac Impairment are
optic nerve or vestibular functions. as follows:
i. Class III: Marked limitation of physical activity.
7. Permanent Paralysis of Limbs Comfortable at rest, but less than ordinary
Total and irreversible loss of use of two or more limbs activity causes symptoms.
as a result of injury or disease of the brain or spinal cord. ii. Class IV: Unable to engage in any physical
A specialist medical practitioner must be of the opinion activity without discomfort. Symptoms may
that the paralysis will be permanent with no hope of be present even at rest.
recovery and must be present for more than 3 months.
III. Pulmonary hypertension associated with lung
8. Multiple Sclerosis with Persisting disease, chronic hypoventilation, pulmonary

Symptoms thromboembolic disease, drugs and toxins,
diseases of the left side of the heart, congenital
I. The unequivocal diagnosis of Definite Multiple heart disease and any secondary cause are
Sclerosis confirmed and evidenced by all of the
specifically excluded.
following:
i. investigations including typical MRI findings 11. Alzheimer’s Disease/ Dementia
which unequivocally confirm the diagnosis to
be multiple sclerosis and Deterioration or loss of intellectual capacity as
confirmed by clinical evaluation and imaging tests,
ii. there must be current clinical impairment of arising from Alzheimer's Disease or irreversible organic
motor or sensory function, which must have disorders, resulting in significant reduction in mental
persisted for a continuous period of at least and social functioning requiring the continuous
6 months.
supervision of the Life Assured for a minimum period
II. Other causes of neurological damage such as SLE of 6 months from date of diagnosis. This diagnosis
and HIV are excluded. must be supported by the clinical confirmation of an
appropriate Registered Medical practitioner who is also
9. Aortic Surgery a Neurologist and supported by the Corporation’s
The actual undergoing of major surgery to repair or appointed doctor.
correct an aneurysm, narrowing, obstruction or The following are excluded:
dissection of the aorta through surgical opening of the i. Non-organic disease such as neurosis and
chest or abdomen. For the purpose of this definition, psychiatric illnesses; and
aorta shall mean the thoracic and abdominal aorta but
not its branches. ii. Alcohol-related brain damage.
Surgery performed using only minimally invasive or
intra-arterial techniques are excluded. Continued in nest issues

“Be more concerned with your character than your reputation, because your character is what you really are, while your reputation is
merely what others think you are.”

Life Insurance Today January 2018 21

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