Assured to be totally and irreversibly unable to perform any one (1) of the Activities of Daily Living without assistance of another adult person. TERMINAL ILLNESS Terminal Illness means the Diagnosis , by an appropriate Registered Medical Specialist , that the Life Assured has an injury or sickness, which is likely to result in the death of the Life Assured within the following twelve (12) months. This Benefit is only available if the words “Standalone Trauma Cover” appears in Your Policy Schedule . TRIPLE VESSEL ANGIOPLASTY Triple Vessel Angioplasty means the actual undergoing of Coronary Artery Angioplasty to correct a narrowing or blockage of three (3) or more coronary arteries within one or more procedures performed within a period of sixty (60) days that is considered necessary by a cardiologist on the basis of angiographic evidence indicating obstruction of at least three (3) coronary arteries. Repeat procedures to the same coronary artery are not covered. Carcinoma-in-situ means a focal autonomous new growth of cancer cells which has not yet resulted in the invasion of normal tissue beyond the basement membrane. “Invasion” shall mean an infiltration and/or active destruction of tissue or surrounding tissue. The Diagnosis of Carcinoma-in-situ must always be positively Diagnosed upon the basis of a microscopic examination of fixed tissue (histology). In the case of the uterine cervix the tissue must be provided from a cone biopsy or colposcopy with cervical biopsy, before a claim is considered. A clinical or radiological Diagnosis will not be sufficient. The following criteria for the tumour of the covered organs must be satisfied: Breast . Ductal Carcinoma-in-situ (DCIS): The tumour is characterised by cells that resemble those seen in invasive cancer, but that have not invaded through the basement membrane into the surrounding tissues and thus lack the histological feature that is the hallmark of invasive breast cancer. DCIS is an example of Stage 0 breast cancer, and is classified as TisN0M0 according to the TNM classification. DCIS is covered to a benefit payment of 100% of the total Trauma Cover sum assured if it results directly in the removal of the entire breast. The procedure must be performed specifically to arrest the spread of malignancy, and must be considered the appropriate and necessary treatment. Cervix. Dysplastic cell changes affecting the full thickness of the cervix. The tumour should be classified as Squamous Carcinoma-in-situ or Adenocarcinoma-in-situ (AIS), FIGO Stage 0, or TisN0m0 according to the TNM classification. Cervical Intra epithelial Neoplasia (CIN) classification including CIN-1, CIN-2, and CIN-3 (severe dysplasia without CIS) are specifically excluded. Vagina . The tumour should be classified as vaginal Carcinoma-in-situ, FIGO Stage 0, or TisN0M0 according to the TNM classification.
OPTIONAL WOMAN’S CANCER BENEFIT
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BCP-TC-05/2026
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