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, lymphomas, Hodgkin’s disease, malignant bone marrow disorders but excludes the following tumours: • Malignant Melanoma which are less than less than 1.0mm 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 • Intraepithelial neoplasia (including CIN, VIN, PIN, and AIN of the urogenital tract); or • Low grade dysplasia and high grade dysplasia (including LSIL cervix, HSIL cervix and dysplastic lesions of other organs); or • CIS or carcinoma-in-situ, including intraepithelial carcinoma, non-infiltrating carcinoma, non-invasive carcinoma and pre-invasive carcinoma; unless treated by Radical Surgery , chemotherapy, radiotherapy or immunotherapy. This procedure must be the appropriate and necessary treatment as recommended by an appropriate Registered Medical Specialist 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 and hormonal manipulation 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. DEMENTIA Dementia means the unequivocal Diagnosis of Dementia 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 Activities 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 Dementia by a Consultant Neurologist.
BCP-TC-05/2026
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