Life-Threatening Cancer:
The manifestation of a malignant tumor (a tumor which is not encapsulated and has properties to infiltrate and cause metastasis) including leukemia and Hodgkin's Disease (except Stage 1 of Hodgkin's Disease). The disease must be supported by historical evidence of malignancy.
Heart Attack:
Death of a portion of the heart muscle (myocardium) resulting from blockage of one or more coronary arteries.
Stroke:
Any acute cerebral vascular accident producing neurological impairment and resulting in paralysis or other measurable objective neurological deficit persisting for at least 30 days.
Renal Failure:
End stage renal failure presenting as chronic irreversible failure of both kidneys to function, as a result of which regular renal dialysis is instituted or renal transplantation is carried out.
Major Organ Transplant:
The actual undergoing of transplantation of heart, lung, liver or bone marrow, but not as the donor.
Terminal Illness:
Advanced or rapidly progressing incurable disabling terminal illness where, based on our investigation, the life expectancy is no greater than twelve (12) months.
Major Heart Surgery:
Limited to the following procedures:
Coronary By-Pass Surgery:
The actual undergoing of coronary by-pass surgery (either saphenous vein or internal mammary graft) following an unequivocal recommendation by a consultant cardiologist for the treatment of coronary disease.
Heart Valve Replacement:
The actual undergoing of the total replacement of one or more heart valves for the treatment of disease. Heart valve repair and valvotomy are specifically excluded.
Aorta Surgery:
The actual undergoing of surgery for disease of the aorta needing excision and surgical replacement of the diseased aorta with a graft. For the purposes of this definition, aorta means the thoracic and abdominal aorta but not its branches.
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