lymphadenectomy.
confirmed by a cardiologist or general physician and evidenced by:
Carcinoma-in-situ of the vulva requiring a vulvectomy.
Typical rise and/or fall of cardiac biomarkers with at least one value above the 99 th percentile of the upper reference limit and at least one of the following: Signs and symptoms of ischaemia which are consistent with myocardial infarction; or Confirmatory new (or presumed new) ECG changes associated with myocardial infarction with the development of any one of the following:
The carcinoma-in-situ must be positively diagnosed by a biopsy and be classified as TIS according to the TNM staging method or FIGO Stage 0.
Malignant tumours
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 interventionist treatment or surgery is considered medically necessary by an appropriate specialist .
ST changes;
The following tumours are excluded:
T wave inversion;
Tumours classified as carcinoma-in-situ (including intraepithelial neoplasia).
Left bundle branch block (LBBB);
Pathological Q waves; or
Prostate tumours with a Gleason score of less than 6. (If the Gleason score is unavailable, we will use the TNM classification and tumours classified as T1 or its equivalent will be excluded). All skin cancers unless there is evidence of metastases or that they are at least a Clark level 3, or greater than 1.5mm thickness as measured using the Breslow histological classification.
Imaging evidence of new loss of viable myocardium or new regional wall motion abnormality. A rise in cardiac biomarkers resulting from a percutaneous procedure for coronary artery disease is excluded unless the baseline value is normal and the elevation is greater than 5 times the 99 th percentile of the upper reference limit. If the above evidence is inconclusive or superseded by technological advances, we will consider other appropriate and medically recognised tests that unequivocally diagnose that a myocardial infarction of the degree of severity or greater as outlined above has occurred. Other acute coronary syndromes including but not limited to angina pectoris are excluded.
Chronic Lymphocyctic Leukaemia less than RAI stage 1.
Prostatic cancer surgery
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 .
Heart valve surgery
Heart
Open-heart surgery to correct any defects in, abnormalities of, or disease-affected cardiac valves.
Angioplasty - 3 vessels or more
The actual undergoing of coronary artery balloon angioplasty, considered medically necessary by an appropriate specialist cardiologist, to correct a narrowing or blockage of three or more coronary arteries during the same procedure, provided that there is a level of occlusion to each affected artery of at least 50%.
Out-of-hospital cardiac arrest
Cardiac arrest not associated with any medical procedure and that is documented by an electrocardiogram and occurs out of hospital, and is due to:
cardiac asystole; or
Aortic surgery
ventricular fibrillation with or without ventricular tachycardia.
Open-chest surgery or laparotomy to correct or repair any narrowing, dissection or aneurysm of the thoracic or abdominal aorta.
Pulmonary hypertension
Primary pulmonary hypertension with substantial right ventricular enlargement resulting in permanent and irreversible physical impairment to the degree of at least Class 3 of the New York Heart Association classification of cardiac impairment.
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 least Class 3 of the New York Heart Association classification of cardiac impairment. Cardiomyopathy caused by alcohol or drug abuse is specifically excluded.
Major neurological disease
The life assured has suffered any one of the following conditions and, as a consequence, sustained a neurological deficit causing: at least 25% permanent impairment of whole person functioning as measured six months beyond initial diagnosis; or
Coronary artery bypass
Open-heart bypass surgery to correct or treat coronary artery disease.
Heart attack
The death of a portion of the heart muscle (myocardium) as a result of inadequate blood supply to the relevant area,
the total and irreversible disablement of the life assured
809 TCP-EDI version 6 Effective 21 May 2019
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