Current Critical Illness Definition
1. Heart Attack
The death of a portion of the heart muscle as a result
of inadequate blood supply to the relevant area. The following features
must be present: a) A history of typical chest pain b) New ECG changes
characteristic of myocardial infarction c) Elevation of cardiac enzymes
Any cerebrovascular incident producing neurological sequelae
lasting more than twenty-four hours and including infarction of brain
tissue, heamorrhage and embolisation from an ex-cranial source. There
must be evidence of permanent neurological deficit.
3. Coronary Artery Disease (Surgery)
The undergoing of heart surgery to correct narrowing or
blockage of one or more coronary arteries with bypass grafts in persons
with limiting anginal symptoms, but excluding non-surgical techniques
such as balloon angioplasty or laser relief of an obstruction.
A malignant tumour characterized by the uncontrolled growth
and spread of malignant cells and the invasion of tissue. This includes
leukaemia, but excludes non-invasive cancer in situ, tumours in the
presence of any human immuno-deficiency virus and any skin cancer other
than malignant melanoma.
5. Kidney Failure
End stage renal disease, due to whatever cause(s), w the
life assured undergoing regular peritoneal dialysis or haemodialysis
or having had renal transplantation.
Complete and permanent loss of use of two or more limbs
7. Major Organ Transplantation
The actual undergoing as a recipient of a transplant of
a heart, lung, liver, pancreas, kidney or bone marrow.
8. Multiple Sclerosis
Unequivocal diagnosis by a consultant neurologist confirming
more than one episode of well defined neurological deficit, w persisting
signs or involvement of e optic nerves, brain stem and spinal cord together
w impairment of co-ordination and motor and sensory function, w e life
assured not necessarily confined to wheelchair.
9. Fulminant Viral Hepatitis
This involves a submassive to massive necrosis of the
liver caused by the Fulminant hepatitis virus leading precipitously
to liver failure as certified by a registered medical practitioner.
The diagnostic criteria to be met are: a) A rapidly decreasing liver
size b) Necrosis involving entire lobules, leaving only a collapsed
reticular framework c) Rapidly degenerating liver function tests d)
Deepening jaundice. The illness must not be caused directly or indirectly
by drug abuse.
10. Pulmonary Arterial Hypertension
Primary pulmonary arterial hypertension as established
by clinical and laboratory investigations (including cardiac catheterization)
and as diagnosed by a consultant cardiologist. The following diagnostic
criteria must be met:
Total and irrecoverable loss of sight in both eyes.
12. Alzheimer's Disease
Deterioration or loss of intellectual capacity or abnormal
behaviour as evidenced by the clinical state and accepted standardized
questionnaires or tests arising from Alzheimer's Disease or irreversible
organic degenerative disorders (excluding neurosis and psychiatric illness)
resulting in significant reduction in mental and social functioning
requiring the continuous supervision of the life assured.
13. Surgery to the Aorta
Surgery to correct any narrowing, dissection or aneurysm
of the thoracic or abdominal aorta.
A state of unconsciousness with no reaction to external
stimuli or internal needs persisting continuously with the use of life
support system for a period of at least 96 hours and resulting in permanent
Total and irreversible loss of hearing in both ears.
16. Loss of Speech
Total and irrecoverable loss of ability to speak due to
physical damage to the vocal chords.
17. Heart Valve Surgery
Open heart surgery to correct valvular abnormalities
18. Major Burns
Third degree burns covering at least 20 percent of the
surface area of the life assured's body.
19. Terminal Illness
In the opinion of the medical specialist involved and
subject to the acceptance of our appointed doctor the advent of death
is highly likely within 12 months.
* AIDS due to Blood Transfusion:
The life assured being infected by HIV or Acquired Immunodeficiency
Syndrome but only if: a) The infection is due to blood transfusion received
after the cover start datet b) The infected life assured is not a haemophiliac
c) There is no known cure.
* HIV/AIDS cover for Medical Staff
Infection caused by HIV (Human Immunodeficiency Virus) after the cove
start date of the benefit provided the life assured is a medical staff
and the accident occurred during the course of the life assured's normal
occupational duties and was reported in accordance with the established
occupational procedure for such accidents.Such infection must be considered
by the medical authorities involved to be caused by: a) Needlestick
injury b) Sharp instrument injury c) By exposure to blood d) Blood stained
by body fluid. Infection in any other manner, including infection as
a result of sexual activity or intravenous drug use, is specifically
excluded. Any accident giving rise to a potential claim must be reported
to us within 30 days of the accident taking place. The life assured
must, within 5 days of the accident, have undergone a blood test indicating
the absence of HIV or its antibodies but a further blood test performed
within 6 months of the accident must indicate the presence of HIV or
its antibodies. This benefit will not apply in the event that any medical
cure is found for AIDS or the effects or the HIV virus or a medical
treatment is developed that results in the prevention of the occurrence
of AIDS. We must have open access to all blood samples and be able to
obtain independent testing of such blood samples. Medical staff means
doctors (general practitioners and specialists), nurses, laboratory
technicians, dentists (surgeons and nurses) or ambulance workers. They
must be working in hospitals, specialists medical centres, dental clinics
or polyclinics in Singapore.
21. Motor Neurone Disease
Motor neurone disease of unknown aetiology is characterized
by progressive degeneration of corticospinal tracts and anterior horn
cells or bulbar efferent neurones. These include spinal muscular atrophy,
progressive bulbar palsy, amyotrophic lateral sclerosis and primary
22. Parkinson's Disease
Slowly progressive degenerative disease of the central
nervous system as a result of loss of pigment containing neurones of
the brain.Unequivocal diagnosis of Parkinson's disease by a consultant
neurologist registered in S'pore where e condition: a) Cannot be controlled
w medication b) Shows signs of progressive impairment c) Renders e life
assured unable to perform 3 or more of the following: bathing, dressing,
using the lavatory, eating, moving in or out of a bed or chair. Only
idiopathic Parkinson's disease is covered. Your policy does not cover
any other forms of Parkinsonism.
23. Chronic Liver Disease
End stage liver disease as evidenced by all of the following:
a) Permanent jaundice b) Ascites c) Encephalopathy. Your policy does
not cover liver disease secondary to alcohol or drug misuse.
24. Lung Disease
End stage lung disease including interstitial lung disease
requiring extensive and permanent oxygen therapy as well as a FEV 1
test result of consistently less than 1 litre.
25. Aplastic Anaemia
Bone marrow failure which results in anaemia, neutropenia
and thrombocytopenia requiring treatment with at least one of the following:
a) Blood product transfusion b) Marrow stimulating agents c) Immuno
suppresive agents d) Bone marrow transplantation
26. Muscular Dystrophy
A hereditary muscular dystrophy confirmed by a neurologist
registered in Singapore resulting in the inability to perform without
assistance 3 or more of the following: bathing, dressing, using the
lavatory, eating, moving in or out of a bed or chair.
27. Bacterial Meningitis
Bacterial meningitis causing inflammation of the membranes
of the brain or spinal cord resulting in permanent neurological deficit.
The diagnosis is to be confirmed by a consultant neurologist.
28. Benign Brain Tumour
A non-cancerous tumour in the brain. Your policy does
not cover cysts, granulomas, malformations in, or of, the arteries or
veins of the brain, haematomas and tumours in the pituitary gland or
Severe inflammation of brain substance which results in
significant and permanent neurological sequelae as certified by a practitioner
specializing in neurology.
Unequivocal diagnosis by a consultant neurologist of infection
by the polio virus leading to paralytic disease as evidenced by impaired
motor function or respiratory weakness. Cases not involving paralysis
and other cases of paralysis are not eligible for this benefit.