Critical Illness Rider. This rider is deemed to form part of the basic Contract subject to the Contract general conditions and the specific terms of this rider shown below: If during the existence of the basic cover and prior to his term age stated under this cover in the (T.B. and C.), while this rider is still in force, the Life Assured is diagnosed as suffering from any of the critical illnesses, as defined hereafter and if the Life Assured survives for 30 days after the day of diagnosis, the Company will pay, in one lump sum, the sum assured stated under this cover in the (T.B. and C.). Thereafter the sum assured related to the basic cover, total and permanent disablement rider and passive war risk rider will be reduced by the amount paid under this cover and this rider will cease. • Cancer The diagnosis of a malignant tumour characterised by the uncontrolled growth and spread of malignant cells with invasion and destruction of normal tissue. The cancer must be confirmed by histological evidence of malignancy by a qualified oncologist or pathologist. Cancer includes: leukaemia, malignant Lymphoma, Hodgkin’s Disease, Malignant bone marrow disorders and Metastatic skin cancer. The following are excluded: - «Carcinoma in Situ», cervical dysplasia, Cervix, Cancer CIN-1, CIN-2 & CIN-3, and all pre-malignant conditions or non-invasive cancers. - Early prostate cancer TNM Classification T1 (including T1a and T1b) or equivalent classification. - Melanomas of the skin of stage 1A (<=1mm, level II or III, no ulceration) according to the AJCC classification of 2002. - Hyperkeratoses, basal cell and squamous skin cancers - All tumours in the presence of HIV infection. - Chronic Lymphocytic Leukaemia Rai stage 0-2 or Binet stages A & B. - Stage 1 Xxxxxxxx. - Xxxxx A stage colorectal cancer. - Papillary cancer of the thyroid gland that is organ confined. • Heart Attack Final diagnosis of acute myocardial infarction: death of heart muscle caused by obstruction of the blood supply. This must be confirmed by the typical rise and/or fall of a cardiac biomarker blood test (Troponin I, Troponin T or CK-MB) with at least one level above the 99th percentile of the upper reference limit plus one of the following: - Acute cardiac symptoms and signs consistent with a heart attack. - New serial ECG changes with the development of any of the following: ST elevation or depression, T wave inversion, pathological Q waves or left bundle branch block. Other acute coronary syndromes including but not limited...
