DIAGNOSIS & DIAGNOSED
11
Shall mean the first definitive Diagnosis made in writing by a Medical Practitioner , as defined below, based upon such specific evidence, as referred to below in the definition of the relevant Critical Illness or, in the absence of such specific evidence, based upon radiological, clinical, histological or laboratory evidence acceptable to Us . Where specified in the definition of a Critical Illness , specialist Diagnosis must be obtained. In the event of any doubt regarding the appropriateness or correctness of the Diagnosis , We shall have the right to call for an examination at Our expense, of either the Life Assured or the evidence used in arriving at such Diagnosis , by an independent acknowledged expert in the field of medicine concerned selected by Us and the opinion of such expert as to such Diagnosis shall be binding on You , the Life Assured and Us .
CRITICAL ILLNESS 12
Shall mean any illnesses, as defined below: HEART ATTACK
Heart Attack (myocardial infarction) means the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area. The Diagnosis must be confirmed by a cardiologist and evidenced by typical rise and/or fall of cardiac biomarker blood test (Troponin T, Troponin I or CK- MB) with at least one level above the 99 th percentile of the upper reference limit PLUS: a. Acute cardiac symptoms and signs consistent with myocardial infarction; or b. 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 (LBBB); or
c.
Imaging evidence of new loss of viable myocardium or new regional wall motion abnormality.
If the above tests are inconclusive we will consider other appropriate and medically recognised tests.
The following are excluded:
Other acute coronary syndromes including but not limited to angina pectoris; or A rise in biological markers as a result of an elective percutaneous procedure for coronary artery disease
PC-VIP-05/2019
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