organs or parts of any organ or of any other tissue is excluded.
KIDNEY FAILURE Kidney Failure means end stage renal failure, which presents as chronic irreversible failure of both kidneys to function, as a result of which regular renal dialysis is initiated or renal transplantation carried out. CRITICAL CANCER Critical Cancer means the presence of one (1) or more malignant tumours, characterised by the uncontrolled growth and spread of malignant cells and the invasion of tissue, provided the Diagnosis is unequivocal as confirmed by histopathology. This includes leukaemia, lymph omas, Hodgkin’s disease, malignant bone marrow disorders but excludes the following tumours: Malignant Melanoma which are less than 1.5 mm maximum thickness as determined by histological examination based on Breslow thickness unless the melanoma is graded higher than Clark Level 2 depth of invasion or has evidence of ulceration as determined by histological examination; or All other types of skin cancers unless there is evidence of metastases; or A growth histologically described as Carcinoma-in-Situ (including cervical dysplasia CIN-1, CIN-2 and CIN-3) or which are histologically described as pre-malignant or non- invasive unless they result in Radical Surgery . We will allow cover for carcinoma-in-situ of the breast where it results in the entire removal of the breast, or the Life Assured has other surgery and adjuvant therapy (such as radiotherapy and/or chemotherapy). This procedure must be the appropriate and necessary treatment as recommended by an appropriate Medical Practitioner and undertaken specifically to arrest the spread of malignancy. Chemotherapy means the use of drugs specifically designed to kill or destroy cancer cells. Adjuvant endocrine manipulation therapy, hormonal manipulation therapy and non-endocrine adjuvant therapy are excluded; or All tumours of the prostate histologically classified as having a Gleason score less than 6 or less than TMN classification T2. We will allow cover for Prostate tumour classified as TNM classification T1 (all categories) or of an equivalent classification if the tumour is confirmed by histological examination and requires the Life Assured to undertake major interventionist therapy including radiotherapy, brachytherapy, chemotherapy, biological response modifiers or any other major treatment, or if the tumour is completely untreatable. MULTIPLE SCLEROSIS Multiple Sclerosis means a disease characterised by demyelination in the brain and spinal cord. Multiple Sclerosis must be unequivocally Diagnosed by a Consultant Neurologist. There must be more than one (1) episode of well defined neurological deficit with persisting neurological abnormalities causing: At least 25% permanent whole person impairment as defined in the American Medical Association publication ‘Guides to the Evaluation of Permanent Impairment’, 6th
PC-VIP-05/2019
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