Critical Illness Insurance
Definitions,Limitations and Exclusions
|General Exclusions and Limitations|
No benefit will be paid if the Insured while sane or insane suffers a Covered Condition as a result of any of the following:
No benefit will be paid unless the Insured survives 30 days following the first diagnosis of a Covered Condition or such longer period as described in the Covered Conditions Definitions above.
- Intentional self-inflicted injuries,
- Attempted suicide,
- The use of intoxicants,
- Committing or attempting to commit a criminal offence,
- Operating a motor vehicle while the concentration of alcohol in 100 milliliters of blood exceeds 80 milligrams.
For Cancer, the following cancers are excluded from coverage:
Limitation: No benefit will be available under this condition if within the first 90 days following the effective date of the certificate, the insured has any of the following:
- carcinoma in situ
- Stage 1A malignant melanoma (melanoma less than or equal to 1.0 mm in thickness, not ulcerated and without level IV or V invasion)
- any non-melanoma skin cancer that has not become metastatic (spread to distant organs)
- stage A (T1a or T1b) prostate cancer
- any tumour in the presence of any Human Immunodeficiency Virus (HIV)
- signs or symptoms of cancer that lead to a diagnosis of cancer (covered or excluded under the policy), regardless of when the diagnosis is made,
- medical consultations or tests that lead to a diagnosis of cancer (covered or excluded under the policy), regardless of when the diagnosis is made,
- a diagnosis of cancer (covered or excluded under the policy).