Loss of Speech. I. Total and irrecoverable loss of the ability to speak as a result of injury or disease to the vocal cords. The inability to speak must be established for a continuous period of 12 months. This diagnosis must be supported by medical evidence furnished by an Ear, Nose, Throat (ENT) specialist.
II. All psychiatric related causes are excluded.
Loss of Speech i. Consultation Paper stating the presenting complaints with duration, past medical history with duration, treatment and medication advised.
ii. Confirmation of Diagnosis by ENT specialist along with cause and duration
iii. All treatment papers and medical investigation test reports
iv. Any other documents as may be required by Us.
Loss of Speech. The Critical Illnesses and the conditions applicable to the same are more particularly described in Annexure IV.
Loss of Speech. The Critical Illnesses and the conditions applicable to the same are more particularly described below:
Loss of Speech. The permanent, irrecoverable, and total loss of the capability of speech without the aid of mechanical devices, as determined by a physician.
Loss of Speech. Total and permanent loss of speech without expectation of recovery in the opinion of a Qualified Medical Practitioner
Loss of Speech. Total and permanent loss of the ability to produce intelligible speech as a result of irreversible damage to the larynx or its nerve supply from the speech centres of the brain caused by injury, tumour or sickness. Medical evidence must be supplied by an appropriate specialist to confirm laryngeal dysfunction and that the loss of speech has lasted for more than 6 months continuously. All psychiatric causes of loss of speech are excluded. No benefit will be payable if, in general medical opinion, a device, or implant could result in the partial or total restoration of speech.
Loss of Speech. Loss of Speech shall mean permanent, total and irrecoverable loss of speech for the Insured Person as diagnosed by a licensed speech / language pathologist. Maximum Benefit Period shall mean, in the event that a claim is payable under both Item 8 and Item 9, the higher of the Benefit Periods stated as applicable to either Item 8 or Item 9 in the Policy Schedule. Medical Expenses shall mean expenses not recoverable from any other source, necessarily and properly incurred by the Insured Person within two years of the date of Bodily Injury and given or prescribed by a Medical Practitioner for medical, hospital, surgical, dental, manipulative, massage, therapeutic, X- ray or nursing treatment, including the costs of medical supplies and ambulance hire. Expenses incurred within two years of the date of Bodily Injury for treatment which either takes place or is expected to take place after the expiry of the two years from the date of Bodily Injury are not medical expenses for the purpose of this insurance.
Loss of Speech. The Critical Illnesses and the conditions applicable to the same are more particularly described below:
(a) Cancer of Specified Severity
(i) A malignant tumour characterized by the uncontrolled growth & spread of malignant cells with invasion & destruction of normal tissues. This diagnosis must be supported by histological evidence of malignancy. The term cancer includes leukemia, lymphoma and sarcoma.
(ii) The following are excluded -
i. All tumors which are histologically described as carcinoma in situ, benign, pre-malignant, borderline malignant, low malignant potential, neoplasm of unknown behavior, or non-invasive, including but not limited to: Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN - 2 and CIN-3.
ii. Any non-melanoma skin carcinoma unless there is evidence of metastases to lymph nodes or beyond;
iii. Malignant melanoma that has not caused invasion beyond the epidermis;
iv. All tumors of the prostate unless histologically classified as having a Xxxxxxx score greater than 6 or having progressed to at least clinical TNM classification T2N0M0
v. All Thyroid cancers histologically classified as T1N0M0 (TNM Classification) or below;
vi. Chronic lymphocytic leukaemia less than RAI stage 3
vii. Non-invasive papillary cancer of the bladder histologically described as TaN0M0 or of a lesser classification,
viii. All Gastro-Intestinal Stromal Tumors histologically classified as T1N0M0 (TNM Classification) or below and with mitotic count of less than or equal to 5/50 HPFs;
ix. All tumors in the presence of HIV infection.
Loss of Speech. Total permanent and irreversible loss of the ability to speak as a result of physical injury or physical disease.
