15. Definitions of medical conditions .
classification and tumours classified as T1 or its equivalent will be excluded).
Cancer
All skin cancers unless they:
− are at least 1.0mm in maximum thickness as determined by histological examination using the Breslow thickness histological classification; or
The life assured has suffered or undergone one of the following conditions :
Carcinoma-in-situ
− are graded higher than Clark Level 2 depth of invasion; or
A focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissues. ‘Invasion’ means an infiltration and/or active destruction of normal tissue beyond the basement membrane.
− show evidence of ulceration as determined by histological examination.
Chronic lymphocytic leukaemia less than RAI Stage 1.
This benefit only covers carcinoma-in-situ of the following sites:
Prostate Cancer
Breast;
As a result of a prostate tumour, the entire prostate is removed to arrest spread of the malignancy and this is considered medically necessary by an appropriate specialist .
Cervix;
Vagina; and
Heart
Vulva.
The carcinoma-in-situ must be positively diagnosed by biopsy and be classified as TIS according to the TNM staging method or FIGO Stage 0. The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Personal Sovereign policies for the life assured .
The life assured has suffered or undergone one of the following conditions :
Angioplasty
The actual undergoing of coronary artery angioplasty with or without a stent, laser or atherectomy, considered medically necessary by an appropriate specialist cardiologist, to correct a narrowing or blockage of one or more coronary arteries during the same procedure. The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Personal Sovereign policies for the life assured .
Carcinoma-in-situ radical surgery
As a result of a carcinoma-in-situ, an operation to arrest spread of the malignancy is performed which involves the removal of the entire organ (which includes: breast, cervix, ovary, fallopian tube, vagina, vulva, prostate, colon/rectal, bladder) affected or the organ requires systemic chemotherapy, radiotherapy, or immunotherapy, and that treatment is considered medically necessary by an appropriate specialist . The carcinoma-in-situ must be positively diagnosed by biopsy and be classified as TIS according to the TNM staging method or FIGO Stage 0.
Aortic surgery
Medically necessary surgery to correct or repair:
an aortic aneurysm;
an obstruction of the aorta;
a coarctation of the aorta;
a traumatic rupture of the aorta; or
Malignant tumours and blood cancers
an aortic dissection.
The presence of one or more malignant tumours, characterised by uncontrolled growth and spread of malignant cells, with the invasion and destruction of normal tissue for which major interventional treatment or surgery is considered medically necessar y by an appropriate specialist .
For the purpose of this definition aorta shall mean the thoracic and abdominal aorta.
The benefit payable is 10% of the sum assured to a maximum of $20,000 across all Personal Sovereign policies for the life assured .
The following tumours are excluded:
Tumours classified as carcinoma-in-situ (including intra- epithelial neoplasia).
Cardiomyopathy
Impaired ventricular function of variable aetiology due to primary disease of the heart muscle, resulting in permanent and irreversible physical impairments to the degree of at
Prostate tumours with a Gleason score of less than 6. (If the Gleason score is unavailable, we will use the TNM
803 TCP-LAE version 14 Effective 12 May 2026
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