CD4 cell count of less than 200/ul despite appropriate continuous antiretroviral therapy. There must be an associated AIDS defining illness with AIDS resulting in at least one of the following: • Kaposi's Sarcoma or Lymphoma. • Pneumocystis Carinii infection, cryptococcal infection or any other opportunistic infection of the lungs or nervous system. • Tuberculosis or other mycobacterium infection at any site. • Progressive multifocal leukoencephalopathy. • HIV Encephalopathy. • HIV wasting syndrome characterised by more than 10% weight loss, chronic intractable diarrhoea and chronic candidiasis of the respiratory tract or gastrointestinal tract.
ADVANCED DIABETES The Life Assured :
1. Has been unequivocally Diagnosed for the first time as suffering from insulin dependent diabetes mellitus Type 1 after the age of thirty (30) by a Registered Medical Specialist ; or 2. Suffers severe diabetes mellitus, either insulin or non- insulin dependent, as certified by a Registered Medical Specialist and resulting in at least one of the following: • Severe diabetic retinopathy resulting in visual acuity uncorrected and corrected of 6/36 or worse in both eyes; or • Severe diabetic neuropathy causing motor and/or autonomic impairment; or • Diabetic gangrene leading to surgical intervention; or • Severe diabetic nephropathy causing chronic irreversible stage 4 renal impairment. ALZHEIMER'S DISEASE Alzheimer’s Disease means the unequivocal Diagnosis of Alzheimer’s disease due to failure of the brain function with significant cognitive impairment for which no other recognisable cause has been identified as confirmed by a Consultant Neurologist and resulting in the continual supervision of the Life Assured or the Life Assured is unable to perform one (1) or more Activity of Daily Living. Significant cognitive impairment means deterioration or loss of intellectual capacity as measured by clinical evidence and standardised testing. Advance Payment: will be made on the unequivocal Diagnosis of Alzheimer’s Disease by a Consultant Neurologist ANGIOPLASTY A Benefit in respect of Angioplasty may be paid to You in respect of the Life Assured . Such Benefit will be limited to 25% of the Sum Assured or $75,000 whichever is the lesser.
BCP-TC-05/2026
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