Table of Contents Defi General Provisions Documents That Make Up YourPolicy Basis For Issuing YourPolicy Policy Effective Date Rights As A Policy Owner Naming A Contingent Owner Naming Beneficary/ies Assigning This Policy Benefit Limit Surplus Participation Benefits Major Critica ness Benefits Minor Critica ness Benefit Requirements To File A Major Or Minor Critical liness Claim Situations Where Major Critical liness Benefit/s or Minor Critical liness Benefit Are Not Payable Waiver of Premium Benefi Death Benefit Requirements To File A Death Claim ‘Situation Where The Death Benefit Is Not Payable Healthy Life Benefit Premiums Premiums That You Need To Pay Non Forfeiture Non Forfeiture Options ‘Table of Non-Forfelture Values Other Provisions Policy Loan Policy Termination Reinstatement Governing Laws And Curreney FWD Customer Support Contact Details Important Notice Appendix Eligible Major Critical nesses Eligible Minor Critical nesses 10 10 10 10 u 2 2 2 2 2 3B 14 14 20Definitions We define the following words as used in tis Policy: “Recident” or “Accidental” means any unforeseen and unexpected event or series of related events, caused by external and visible ‘means and which results to death, bodily injury or illness solely and independently of any other means. “Retivities of Dally Living” refer tothe activities which the Insured, with or without the use of mechanical equipment, special devices or other aids and adaptations in use for disabled persons, is unable to perform without the continuous assistance of another person: |. Transferring: The ability to move from a bed to an upright chair or wheelchair and vice versa li, Mobility: The ability to move indoors from room to room on level surfaces Tolleting: The ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintaina satisfactory level of personalhygione Iv, Dressing: The ability to put on, take off, secure and unfasten all garments and as appropriate, any braces, artificial limbs or surgical appliances \v. Washing: The ability to wash in the bath or shower (including getting into and out of the bath or shower) or to wash satisfactorily by any other means ‘i, Feeding: The ability to feed oneself once food has been prepared and made available “Benefit” means any of the Benefits liste inthe Schedule of Benefits “Benefit Amount” means the amount payable under a Benefit ;Beneficiary/ies” means the Beneficiary/ies ofthis Policy nominated by You inthe Application Form or any Endorsement. “Expiry Date” means the Policy anniversary following the Insured’s attainment of age seventy-five (75). “cancer-Free for Five Years” means that the Insured has been cancer-free continuously in the last five (5) years as confirmed by the Insured’s Medical Practitioner and supported by clinical, radiological, histological and laboratory evidence, The cancer-free period shal start on the date of completion of treatment of cancer, which shall include any surgery, chemotherapy, radiation therapy, immunotherapy, monoclonal antibody therapy or other conventional cancer treatments that have been used as. prescribed by the insured’s Medical Practitioner FWD", "We", “Our and “Us” referto FWD Life Insurance Corporation, a corporation organized anc existing under Philippine law. “Guaranteed Cash Value" refers to the Guaranteed Cash Values provided in the Table of Non-Forfeiture Values attached to this Policy which are shown as at Policy anniversaries assuming Premiums are paid when due. Guaranteed Cash Values between Policy anniversaries are calculated taking into account the number of days from last Policy anniversary, Premiums received by Us and Benefit Amounts paid since the preceding Policy anniversary. “Indebtedness” means the sum of any unpaid Premium, outstancing Policy Loan, outstanding Automatic Premium Loan and interest accrued to date under this Palicy. “injury” or “Injuries” refers to bocily damage caused solely and directly by external, violent and Accidental means and independent ofall other causes and evidenced by a visible contusion or wound on the exterior of the body except in the case of drowning or of Internal injury revealed by an autopsy. “insures” or *His/Her” refer to the named insured of this Policy shown on the Policy Oata Page. “Insured Event” means an event that results to payment of any Benefit Amount and/or that triggers any ofthe Benefits. “Major Critical ness” means any of the illnesses specified inthe "Eligible Major Critical Ilinesses” provision “Medical Practitioner” means 2 person licensed or registered in the Philippines with a medical degree and accredited by a medical board of an equivalent organization, to render medical services and is neither the Owner or Insured, a member of the Owner or Insuree's immediate family nor business partner of the Owner or Insured. “Minor Critical liness" means any of the illnesses specified in the “Eligible Minor Critical Ilnesses” provision. “owner”, "You" and “Your” refer to the named Owner of this Policy shown on the Policy Data Page.FW) “Permanent” means a health condition that is beyond the hope of recovery with current medical knowledge and technology as attested by a Medical Practitioner. “Policy Data Page” shows the Policy Information (including the Policy Number, Insured, Plan Name, Modal Premium, Sum Assured, Gender, Owner, Policy Effective Date, Issue Age, Premium Payment Frequency, Years Premium is Payable, Currency, Risk Class, and Expiry Date), Schedule of Benefits (including the Benefit Description, Senefit Period, Percentage of Sum Assured/Total Premiums, Benefit Amount, and Form Number) and Schedule of Policy Premiums (including Premium and Premium Due Dates "Pre-existing Condition” means either: ‘A condition which presented signs or symptoms that started before the latest of the Effective Date, the date of the last reinstatement, or the date of increase of Sum Assured (forthe increased amount) of this Policy. The Insured may or may nat know the presence of such condition. -Acondition whose treatment, medication, advice, or diagnosis has been sought or recelved by the Insured before the latest of the Effective Date, the date of the last reinstatement, or the date of increase of Sum Assured (forthe increased amount) ofthis Policy “Reinstatement Date” is the date that We determine the requirements defined in the Reinstatement Provision are met, “Sales llustration’ means the form attached to this Policy which provides information about this product and its Benefits based on the Insured’s age, gender and occupation and the amount and duration that You elect to pay Premiums.General Provisions DOCUMENTS THAT MAKE UP YOUR POLICY Your Policy comprises ofthe following documents: This Policy Contract Your Application Form The Policy Data Page Any attached Endorsements sss Only the President and Chief Executive Officer or officers duly authorized in writing by Us have the authority to mociy this Policy, ‘subject tothe approval of the Insurance Commission. Any modifications must be done in writing and duly signed by the authorized ‘officer after which it becomes part of Your lic. ‘Any unenforceable provision(s) in this Policy wil in no way affect the enforceability of the remaining provisions. BASIS FOR ISSUING YOUR POLICY ‘Toissue this Policy, We have used the information that You provided in the Application Form. Ifthe insure’s age, gender, or any other information provided in the Application Form is Incorrect, We may adjust the Benefit Amounts to reflec the correct information. Ian incorrect information is determined within two (2) years from the Policy Effective Date (or Reinstatement Date, whichever is later) and ifon the basis ofthe correct information, or on the basis ofthe rectified information We would not have offered You ths Policy in the first place, then We will terminate this Policy and the amount payable to You shall be the excess, if any, of the Total Premiums received by Us over any Benefit Amount already paid by Us. After this 2-year period, We can no longer contest any claim filed on this Policy, except for non-payment of Premiums and/or grounds recognized by aw and jurisprudence, "No legal action on this Policy may be filed after five (5) years from the time the cause of action accrues. POLICY EFFECTIVE DATE The Policy Effective Date shown in the Policy Data Page isthe date Your Policy takes effect and is used to determine Policy years ‘and Policy anniversaries. We will provide you with this Policy in electronic form, and we will consider this Policy as delivered to you 10 days after the Effective Date. You may also request a paper version to be provided to you. ‘You can cancel this Policy by sending us a written request within 15 days after it has been delivered to you. Upon cancellation, ‘we will return all our paid premiums for this Policy. No interest willbe paid on the refunded amount. Ifa claim is payable for this, Policy before we received your written request for cancellation, we will not refund the premiums, RIGHTS AS A POLICY OWNER ‘As Owner, You can exercise any and all other rights, interests and privileges under this Policy while n force. You have the right to name or change a Contingent Owner and Beneficiary/ies, and assign this Policy. Naming a Contingent Owner ‘A Contingent Owners one who can act on Your behalf should You become mentally-incapacitated ‘You can add or change the Contingent Owner of tis Policy with Our written consent. ‘The Insured is considered to be the Contingent Owner if no Contingent Owner is nominated or if the nominated Contingent (Owner predeceases You.Naming eneficiary/ies Your Benefciaryfies are the surviving persons designated to receive the proceeds ofthis Policy upon death of the Insured. Unless otherwise change, the Benefciary/ies are as designated in the Application Form, fall the Beneficiary/ies are designated as “revocable”, You may delete any Beneficiary or designate new Beneficiary/ies. any Beneficiaryis designated as “irrevocable”, the consent ofall such irrevocable Beneficiary/ies while alive isrequired before You can exercise any and all rights, interests and privileges under this Policy. You have the right to change the Beneficiary/ies and/or their share upon wri written consent of every irevocable Beneficiary and any assignee ofthis Policy. notice satisfactory to Us together with the Any Benefit Amount is pad to You, if nsured isalve, otherwise to Your named Beneficiary. IFboth You and Your Beneficiary are deceased, the Benefit Amount will be aid to Your surviving relations in the order oi) egal spouse, (il) children i) parents, (iv) siblings, (v) Your estate Assigning This Policy ‘This Policy may be assigned with Our and every irrevocable eneficiary’s written consent. Yourand any Beneficiary/ies” rights ang privileges will be subject to the terms ofthe assignment. The rights ofan assignee willbe subject to any Indebtedness by the Owner to Us. Weare not responsible for the validity of any assignment and have the right not to endorse any reassignment byany assignee. BENEFIT LIMIT Ifthe Insured suffers a Major Critical illness and/or Minor Critical liness asa direct result of participation in any dangerous sports ‘or hobbies such as racing on wheels, glider flying, salling or other hobbies which are comparably dangerous and risky that We ‘would not normally cover on standard terms, the total amount payable from this Policy and al other insurance policies issued by Us subject to limit often (20) milion Philippine Pesos. ‘SURPLUS PARTICIPATION This Plan does not participate inthe Gistribution of surplus of FWO Life Insurance Corporation,Benefits [MAJOR CRITICAL ILLNESS BENEFITS While this Policy sin force, We will pay a first Major Critical Ilness Benefit equal to the Major Critical ness Benefit Amount specified Inthe Policy Data Page less any indebtedness upon claim, if each ofthe following conditions are met |. The insured is diagnosed by a Medical Practitioner acceptable to Us as having suffered an Eligible Major Critical Ilness after considering all medical and other evidence that the Medical Practitioner requires, which are to be provided at Your expense; li, The Major Critical illness frst occurs, is frst diagnosed or, symptoms leading to the diagnosis of the Major Critical lliness are first experienced by the Insured at least ninety (90} days after the Effective Date or Reinstatement Date (whichever is later}; and, Ii, The Insured survives for at least fourteen (14) days following the diagnosis ofthe Major Critica ness. While this Policy isin force and ifthe first Major Critical illness Benefit described above has been paid, We will pay a second and, where appropriate, a third Major Critical lIness Benefit as specified in the Policy Data Page less any Indebtedness upon claim, if each ofthe following conditions is met: |. The insured is diagnosed by a Medical Practitioner acceptable to Us as having suffered an Eligible Major Critical Ihess after considering all medical and other evidence that the Medical Practitioner requires, which are to be provided at Your expense; li. The Insured has not previously been diagnosed with and receives a Major Critiealliness Senefit due to “Loss of Independent Existence” or "Terminal llness"; li The Major Critical tlness suffered by the Insured first occurs or manifests at least one (1) year after the diagnosis of the preceding Major Critical liness Benefit claimed; Iv. Each Major Critical iliness Benefit claimed must belong to a cifferent Major Critical ines group. In the case of Group One (Cancer), up to two (2) Major Critical illnesses Benefit may be claimed provided that the Insured is Cancer-Free for Five-Years prior to the diagnosis ofthe second Cancer; and, ¥. The Insured survives for at least fourteen (14) days following the diagnosis of a Major Critical illness. [MINOR CRITICAL ILLNESS BENEFIT While this Policy isin force, We will pay one Minor Critical ness Benefit as specified in the Policy Data Page if each of the following conditions are met |. The Insured is diagnosed by a Medical Practitioner acceptable to Us as having suffered an Fligiole Minor Critical llness after considering all medical and other evidence that the Medical Practitioner requires, which are to be provided at Your expense; li, The Minor Critial tlness first occurs, is first diagnosed or symptoms leading to the diagnosis of the Minor Critical Illness are first experienced by the Insured at least ninety (90) days after the Effective Date or Reinstatement Date (wiichever slater); li, The Minor Critical liness does not first occur or manifest within one (1) year from the date of diagnosis of a Major Critical Ilness 1s defined within this Policy; an, Iv. The Insured survives for at east fourteen (14) days following the diagnosis of the Minor Critica ilness. REQUIREMENTS TO FILE A MAJOR OR MINOR CRITICAL ILLNESS CLAIM ‘To apply for either a Major Critical illness Benefit or @ Minor Critical liness Benefit, the following will have to be provided to Us at Your expense: i. Claimants Statement Hi, Attending Physician’s Statement(s) li, Complete medical consultation and hospital records of confinement, if applicable, including all diagnostic exam results Iv. Any medical requirements specified in the ‘Eligible Major Critical linesses’ and Eligible Minor Critical linesses’ sections as appropriate 1. Evidence of Accident, f applicable, and vi. Any additional relevant information that We believe is necessary to confirm that a Benefit is payable. We must receive the above within ninety (90) days from the date the Insured Event occurred. If You are unable to submit within such 90-day period, We will not invalidate nor reduce the ciaim if We determine that it was not practical to submit the requirements within the allowable time,SITUATIONS WHERE MAJOR OR MINOR CRITICAL ILLNESS BENEFIT/S ARE NOT PAYABLE No Benefit will be payable from this Policy if the Major or Minor Critical lIness results primarily or secondarily, wholly or party, from any ofthe following circumstances: |. Attempted suicide or intentional sett-nflicted act by the Insured; li. The wilful participation ofthe Insured, Beneficiary/ies or the Owner in illegal and/or unlawful acts and/or omissions; ii, Aonol or drug abuse; Iv. Human Immunodeficiency Virus (HIV) and or any HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations, derivations or variations thereof (except “Occupationally Acquired HIV/AIDS” and “HIV/AIDS due to Blood “Transfusion” as stated inthe ‘ligiole Major Critical nesses’ provision}; oF Vv. War or any act of war (whether declared or not, cvil or military insurrection and civil commotion amounting to 2 popular uprising. i. Pre-existing conditions. We will only pay the benefit if you have declared the pre-existing condition in your Application Form and ‘we have ineluded it in our assessment of your application, [WAIVER OF PREMIUM BENEFIT ‘We will waive all Premiums for tls Policy as they become due from the date of diagnosis ofthe frst Major Critical Ines. DEATH BENEFIT Ifthe Insured dies while this Policy isinforce, We will pay the Death Benefit specified in the Policy Data Page less any Indebtedness to the nominated Beneficiary/ies, after which the Policy terminates. REQUIREMENTS TO FILE A DEATH CLAIM, ‘ofilea claim, the folowing documents must be submitted within ninety (90) days from the occurrence of death: |. Claimant's Statement li, Death Certificate, and li, Any addtional information that We believe is necessary to confirm death and its cause. You are not able to submit within the 80-day period, We will not invalidate nor reduce the ciaim if We determine that itwas not practical to submit the requirements within the allowable time. For more information, you may cal our Claims Hotine at (632) 8888-8388 or visit www.fwd.com.ph/en/claims-support/caims. SITUATION WHERE THE DEATH BENEFIT IS NOT PAYABLE IF the Insured commits suicide while sane within the first two (2) years from the Policy Effective Date or Reinstatement Date (whichever is late), the amount payable shall be the excess, fany, ofthe Total Premiums received by Us over any Benefit Amount aleeady paid by Us. Suicide committed in a state of insanity wll be compensable regardless of the date of commission. HEALTHY LIFE BENEFIT If this Policy is inforce at the Expiry Date and no Major Critical ness Benefit has been paid, We will return to You the Total Premiums less any Indebtedness.Premiums PREMIUMS THAT YOU NEED TO PAY ‘To enjoy the Benefits provided by this Policy, please pay the Premiums when they become due at Our designated offices, or through ur duly authorized representatives and collection facilites. You have a grace period of thirty-one (31) days from the Premium Due Dates after whieh, if We have neither received the Premium nor loaned Premiums under the Automatic Premium Loan provision below, this Policy will terminate subject to the ‘Non-Forfeiture' and ‘Policy Termination’ provisions below. Any amount due to Us under this Policy will be deducted from any Benefit that becomes payable prior to the end ofthe 31-day grace period You may request in writing to change the Premium Payment Frequency shown in the Policy Data Page except ifthe Premium is, being waived through the Waiver of Premium Benefit. We will confirm Our approval to You in writing together with the date from hich the Premium Payment Frequency change will be effective. FWD shall have the right to review and adjust the premium under this Policy due to our adverse health claims experience during the remaining period when premiums are payable, subject to approval by the Insurance Commission. A notice of any change in premium basis on this policy will be sent to you forty-five (45) days before your anniversary date. FWWD's acceptance of premium shall constitute the consent to renewal. if you opt not to pay the renewal premium then due, the Non-Forfeiture Option Provision will apply Non-Forfeiture NON-FORFEITURE OPTIONS ‘When applying for this Policy and any time thereafter, You can nominate in writing for one ofthe following options to be applied ‘on Your Policy should You discontinue paying Premiums after Your Policy has attained a Guaranteed Cash Value. Your nominated ‘option will come into effect thirty-one (31) days after a Premium becomes due but not received by Us. |. Reduced Paid-up Insurance: You can nominate for this Policy to continue without paying further Premiums but with reduced Benefit Amounts. When this option takes effect, the Benefit Amounts will be adjusted to the amount that would be purchased by the Guaranteed Cash Value of this Policy less any Indebtedness as a net single premium at the then attained age of the Insured. Total Premiums ofthe Policy as basis of Healthy Life Benefits adjusted based on the reduced Sum Assured, The rights and privileges provided by this Policy will remain unchanged. ii, Automatic Premium Loan: You can nominate for Premiums due to be automatically borrowed from the Guaranteed Cash Value. \We will notify You in writing when We lend You the Premium due. However, the amount lent will ot exceed the Guaranteed Cash Value less any Indebtedness. When this option takes effect, Your Policy will continue to be inforce for as long as the Guaranteed Cash Value is sufficient to pay the Premium due, Otherwise, the next smaller Modal Premium will be paid instead until the remaining Guaranteed Cash Value becomes less than a monthly Premium on the next Premium Due Date. When this happens, your Policy will remain inforce only for that proportion ofthe month the remaining Guaranteed Cash Value can sustain the Policy and We will notify You in writing the remaining term of coverage. Ii, Policy Surrender: You can nominate to surrender this Policy and receive the Guaranteed Cash Value of this Policy less any Indebtedness. Ino option is nominated, the Reduced Paid-Up Insurance option will applyry ry 1 | as Poly spaaup* 2 | a6 Poly spat up* a | om a627 a0 640 Poly spat up * a | ae 4903 ass.69 or Pot spactup* 5 | a9 525 298 nas Poly spaup* 6 | 99 268.69 1689 Poly spaup* r | om a9 31795 2028 Poly ispaiup* s | 2 9339 365.73 235 Poly spat up * » | = asa a2 2m Poli spat up * wo | x wa139 srs sss Paley spatup* a | as wa793 ona a3 Poly spa up* n | x 16878 sess war Poly spat up* a)» 18205 586.37 350 Poly spa up u | ox 19.82 erat a9 Pole spactup* ce aso 608 63 sis? Poly spaitup* | 226.88 5636 Poly spatup* vl oa 256.24 cass Poti sputup* a | 2 278 79283 sae Pole ispastup* wo | 3 30007 83697 naz Poly spatup* w | 4 arm Poleyspalé up nase Poly spa up * a | 6 sist nm “Policy is pal-up since Waiver of Premium Is applied upon claim of Major Criea lines The values shown in ths Table of Nor-Forfeture Values are or every PHP 1,000.00 of Sum Assured and are puarartecdor the umber o Poly vars for nich Premiums shall have been paid in ullnd where nolndebtedness is assumed Values atthe en ofthe Ply years nat sown in this Table shale poveled by Us upon request ofthe OwnerOther Provisions POLICY LOAN In addition to the Automate Premium Loan option described above, You may request a cash loan unless the Policy has been converted to Reduced Paid-up Insurance. This Policy Loan is subject to Our prevailing rules and regulations at that time, Interest will accrue daily on any outstanding Policy Loan balance and/or Automatic Premium Loan balance at the interest rate set by Us in effect on that date with any unpaid interest increasing the principal af the loan at each Policy anniversary. You can repay all or part of any Indebtedness at any time. This Policy automatically terminates if the outstanding Indebtedness (including interest accrued to date) exceeds the Guaranteed Cash Value ofthe Policy. POLICYTERMINATION This Policy will automatically terminate on the earliest ofthe following: |. The death of the Insured; li. The Policy being surrendered for its Guaranteed Cash Value Ii, We do not receive Premium within thirty-one (31) days after the Premium Due Date subject to the Non-Forfeiture Option provisions iv, Indebtedness exceeds the Guaranteed Cash Value of this Policy; or, \v. The Expiry Date ofthis Poli. Termination ofthis Policy will not invalidate any ciaim arising before the date this Policy terminates, REINSTATEMENT If Your Policy has been converted automatically to Reduced Paid-up Insurance, You may reinstate this Policy any time. ifthe Policy has been terminated due to non-payment of Premiums, You may reinstate this Policy within three (3) years from the date of termination. To reinstate this Policy, You have to provide Us withthe completed Reinstatement Form together with: i. Evidence that is satisfactory to Us thatthe Insured is insurable, li. Any unpatd Premiums with interest, and Ii, Any Indebteciness with interest. ‘This Policy willbe reinstated on the date that We confirm in writing that the requirements have been satisfactorily met. If Your Policyis reinstated, We will only cover Insured Events which occurred after the Reinstatement Date, subject to the Provision ‘Basis For Issuing Your Policy.” (GOVERNING LAWS AND CURRENCY This Policy is governed by and interpreted according to Philippine law. All amounts payable to or from Us in relation to ths Policy willbe in Philippine Pesos. ll amounts payable by Us will be pad inthe Philippines. Article 1250 ofthe Civil Code of the Philippines (Republic Act No. 386) stated in part below is understood and agreed not to apply to any amounts paid or amounts to be paid either to or by Us. “In case an extraordinary inflation or deflation ofthe currency stipulated should supervene, the value ofthe currency atthe time of establishment ofthe obligation shall be the basis of payment.” ‘CUSTOMER CONNECT HOTLINE No inquiry i too big or small for FWD. Should you have any queries about your policy, you may contact FWD Customer Connect from Monday to Friday between Bam to Spm with the following contact details: 1. Hotline: (632) 8888-8388, 2. Email: CustomerConnect sh@fud.comFW) IMPORTANT NOTICE ‘The Insurance Commission, wth offices in Manila, Cebu and Davao, is the government office in charge ofthe enforcement of all laws related to insurance and has supervision over insurance companies and intermediaries. tis ready at all times to assist the general public in matters pertaining to insurance. For any inquities or complaints, please contact the Public Assistance and Mediation Division (PAMD) ofthe insurance Commission at 1071 United Nations Avenue, Manila with telephone numbers ++632-85238461 to 70 and email address publicassistance@insurance.gov.ph. The official website ofthe Insurance Commission is www insurance gov.ph, THIS CONTRACT IS BETWEEN OWNER AND FWD LIFE INSURANCE CORPORATION, A SUBSIDIARY OR AFFILIATE, AS THE CASE MAY BE OF SECURITY BANK CORPORATION. ALL TRANSACTIONS ARISING OUT OF OR RELATED TO THIS CONTRACT SHALL BE BINDING ONLY BETWEEN THESE TWO (2) CONTRACTING PARTIES. IT IS UNDERSTOOD THAT THIS TRANSACTION IS NEITHER INSURED BY THE PHILIPPINE DEPOSIT INSURANCE CORPORATION NOR GUARANTEED BY SECURITY BANK CORPORATION.APPENDIX ELIGIBLE MAJOR CRITICAL ILLNESSES ‘A Major Critica lIness means any ofthe conditions specified below. Subject to proper notice in writing, We reserve the ridht to change ‘these definitions from time to time to reflect changes in medical terminologies and practices, subject to Insurance Commission approval. All diagnosis must be confirmed by an appropriate Medical Practitioner acceptable to Us. GROUP ONE - CANCER 1, Major Cancers ‘A malignant tumor characterized by the uncontrolled growth and spread of malignant cells with invasion and destruction of normal ‘issue. The cancer must be confirmed by histological evidence of malignancy. The following are not classified as Major Cancers but, instead, are classified as Early Stage Cancers under the ‘Eligible Minor Critical nesses! section: 1. Early Bladder Cancer: Papillary carcinoma (Ta) of bladder li Early Chronic Lymphocytic Leukaemia: Chronic Lymphoctic Leukaemia (CLL) RAI Stage 1 or 2 il, Early Prostate Cancer: Prostate Cancer histologically described using the TNM Classification as T1a or Tb or Prostate cancers described using another equivalent classification Iv, Early Thyroid Cancer: Thyroid Cancer histologically described using the TNM Classification as TINOMO including Papillary micro-carcinoma of thyroid where the tumour is less than 1m in diameter v. Early Invasive Melanomas: Invasive melanomas of less than 1.5 mm Breslow thickness or less than Clark Level 3 vi, Carcinoma in situ: as defined in the ‘Eligible Minor Critical iliness’ section. 'Non-melanoma skin cancer and all carcinoma in-situ of skin oF earler stages do not meet the defini Stage Cancers n of Major Cancers nor Early GROUP TWO — MAJOR ORGAN FAILURE 2. Aplastic Anaemia CChronie persistent bone marrow failure which results in anaemia, neutropenia and thrombocytopenia requiring treatment with at least one (1) of the following 1. Blood product transfusion i, Marrow stimulating agents il, Immunosuppressive agents, or Iv, Bone marrow transplantation 3. Chronic Liver Disease End stage liver fallue as evidenced by each of Permanent jaundice, ascites and hepatic encephalopathy. 4, Chronic Lung Disease End stage lng disease, causing chronic respiratory fallure, as evidenced by all ofthe following 1. FEVA test results consistently less than one (2) tre ji, The requirement for Permanent supplementary oxygen therapy for hypoxemia i, Arterial biood gas analyses with partial oxygen pressures of SSmmHg or less (PaO2 < SSmmMg), and Iv. Dyspnoea at rest 5. Chronic Recurrent Pancreatitis ‘The Chronic Relapsing Pancreatitis as a result of progressive severe destruction with all ofthe following characterises: i. Recurrent acute pancreatitis for a period of atleast two (2) years ll, Generalize calcium deposits in pancreas from imaging study, and ii, Chronic continuous pancreatic function impairment resulting in mal-absorption of intestine (high fat in stool) or diabetes6. Crohn's Disease A chronic, transmural inflammatory disorder of the bowel, as evidenced with continued inflammation in spite of optimal therapy, with al of the following having occurred: iL. Stricture formation causing intestinal obstruction requiring admission to hospital i, Fistula formation between loops of bowel, and il, Atleast one (1) bowel segment resection, ‘The diagnosis must be proven histologically ona pathology report andor the results of sigmoidoscopy or colonoscopy. 7. Fulminant Viral Hepatitis ‘Asub-massive to massive necrosis ofthe liver by the hepatitis virus, leading precipitously to liver failure, The diagnosis in respect of this illness must be evidenced by al of the following 1. Arapidly decreasing liver size ll Necrosis involving entice lobules, leaving only a collapsed reticular framework ii, Rapid deterioration of liver function tests iv, Deepening jaundice, and v. Hepatic encephalopathy. 8. Loss of Hearing (Deafness) The irreversible loss of hearing at least eighty (80) decibels in all frequencies in both ears as a result of illness or accident. The Inablity to hear must be established for a continuous period of 6 months and must (atthe end of that period) be deemed Permanent ton the basis of audiometric and souné-threshold test results. 9. Loss of Sight (Blindness) “otal and irreversible loss of sight in both eyes as a resuit of illness or accident. 10. Major Organ and Bone Marrow Transplant “The actual undergoing (as a recipient) ofa transplant, solely as a result of ireversibie end-stage failure, of ether: |. One of the foliowing human organs: (a) heart, (b) lung, () liver, (d) kidney or (e) pancreas, or ii, Human bone marrow replaced by haematopoietic stem cells only and which is preceded by total bone marrow ablation 11. Medullary Cystic Disease [A progressive hereditary disease of the kidneys characterized by the presence of cysts in the medulla in both kidneys, tubular atrophy and intestitial fibrosis with the clinical manifestations of anemia, polyuria and renal loss of sodium. The condition must present as the chronic irreversible fllure of both kidneys to function, requiring regular renal dalysis. Diagnosis must be supported by renal biopsy. 12. Progressive Scleroderma A systemic collagen-vascular disease causing progressive diffuse fibrosis in the skin, blood vessels and visceral organs. An Lunequivocal diagnosis ofthis disease must be supported by biopsy and serological evidence and the disorder must have reached systemic proportions to involve the heart, lungs or kidneys such that 2 ofthe following criteria are met: |. Pulmonary involvement showing carbon monoxide diffusing capacity (DLCO) < 70% of the predicted value, or forced ‘expiratory volume in 1 sec (FEV4), forced vita capacity (FVC) or total lung capacity (TLC) < 75% of the predicted value li, Renal involvement showing glomerular fitration rate (GFR) < 60 ml/min ii, Cardiac involvement showing evidence of either congestive heart failure, cardiac arrhythmia requiring medication, or pericarditis with moderate to large pericardial effusion Localized scleroderma linear scleroderma or morphea), eosinophilic fascitis and CREST syndrome do not meet the definition of Progressive Scleroderma 13.Renal Failure Chronic irreversible fallure of both kidneys, requiring either Permanent renal dialysis or kidney transplantation, 14.Terminal illness ‘Means the conclusive diagnosis by a Mecical Practitioner that the Insured is sutfering an liness that is expected to result to his/her death within twelve (£2) months. The Insured must no longer be receiving active treatment other than that for pain relief. ‘Terminal illness in the presence of HIV infection is specifically excluded.15.Ulerative Colitis, ‘Acute fulminant ulcerative colts with fe threatening electrolyte disturbances meeting the following criteria: i. The entire colon is affected with severe bloody diarthea, and ii, The necessary treatment is total colectomy. as diagnosed based on histopathological features. GROUP THREE ~ HEART AND BLOOD VESSEL RELATED 16.Cardiomyopathy ‘An Impaired function of the heart muscle, unequivocally ciagnosed as Cardiomyopathy by a cardiologist, and which results in Permanent physical impairment to the degree of New York Heart Association classification Class Il or Class IV, or its equivalent, for atleast sx (6) months based on the following classification criteria 1. Class it» Marked functional limitation. Affected patients are comfortable at rest but performing activities involving less than ‘ordinary exertion will lead to symptoms of congestive cardiac failure, i, Class 1V- Inability to carry out any activity without discomfort. Symptoms of congestive cardiac failure are present even at Fest, With any inerease in physical activity, eiscomfort will be experienced ‘The diagnosis of Cardiomyopathy should be supported by echographic findings of compromised ventricular performance. 17.Coronary Artery Disease Severe coronary artery disease in which atleast three (3) major coronary arteries are individually occluded by a minimum of 60%or ‘more, as proven by coronary angiogram only (non-invasive diagnostic procedures excluded} For purposes of this definition, “major coronary artery” means any of the left main stem artery, left anterior descending artery, Circumflex artery and right coronary artery (but not including their branches) :18.Heart Attack (Myocardial infarction) Death of a portion ofthe heart muscle arising from inadequate blood supply to the relevant area. Ths diagnosis must be supported by three or more ofthe following four criteria which are consistent with a new heart attack: 1L_ New electrocardiogram (ECG) changes proving infarction li, History of typical chest pain for which the insured is admitted to hospital i, Left ventricular ejection fraction less than $0% measured 3 months or more after the event iv. Diagnostic elevation of cardiac enzyme CK-MB or diagnostic elevation of Troponin T > 1 meg/t(1.ng/ml) ar AecuTal>0.5ng/ml ‘equivalent threshold with other Troponin | methods. Allother acute coronary syndromes, including, but not limited to, unstable angina, miero infartion and minimal myocardial damage do not meet the definition of ‘Heart Attack (Myocardial Infarcsion) 19.Heart Valve Surgery ‘The actual undergoing of open-heart surgery to replace orrepairheart valve abnormalities The diagnosis of heart valve abnormality ‘must be supported by cardiac catheterization or echocardiogram and the procedure must be considered medically necessary. Repair via intra-vascular procedure, key-hole surgery or similar techniques do not meet the definition of ‘Heart Valve Surgery’. 20.Primary Pulmonary Arterial Hypertension Primary pulmonary hypertension with substantial right ventricular enlargement, established by investigations including cardiac catheterisation and resulting in Permanent physical impairment to the degree of atleast Class IV ofthe New York Heart Association classification of cardiac impairment. Class IV is defined as the inability to carry out any activity without discomfort. Symptoms of Congestive Cardiac Failure are present even at rest. With any increase in physical activity, discomfort wll be experienced.24.Surgery to Aorta ‘The actual undergoing of major surgery to repair or correct an aneurysm, narrowing, obstruction or dissection of the aorta through surgical opening of the chest or abdomen. For the purpose of this definition, aorta shall mean the thoracic and abdominal aorta but not its branches, The procedure must be considered medically necessary by a cardiologist. Surgery performed using only minimally invasive or intra-arterial techniques do not meet the definition of ‘Surgery to Aorta’ GROUP FOUR ~ NEURO-MUSCULAR RELATED 22.Alzheimer's Disease Deterioration or loss of intellectual capacity as confirmed by clinical evaluation and imaging tests, arising from Alzheimer's disease or irreversible organic disorders, resulting in there being at least three (2) ofthe Activities of Daly Living. ‘The diagnosis must be clinically confirmed by Medical Practitioner who specializes in Alzheimer’s disease. Non-organic diseases such as neurosis ané psychiattic illnesses, and alcohol related brain damage are excluded. 23. Apallc Syndrome Universal necrosis of the brain cortex with the brainstem intact. The definite diagnosis must be evidenced by specific findings in neuro-radiologica tests and medically documented for at least one (1) month, 24. Benign Brain Tumor ‘A benign tumor in the brain as evidenced by all ofthe following: i. the tumor is life threatening i. ithas caused damage to the brain, and li, ithas undergone surgical removal or, if inoperable, has caused a Permanent neurological deficit ‘The presence ofthe underlying tumor must be supported by findings on Magnetic Resonance Imaging, Computerised Tomography, or other reliable imaging techniques. Cysts, granulomas, vascular malformation, haematomas and tumors ofthe pituitary gland or spine do not meet the definition of ‘Benign Brain Tumor’ 25.Cerebral Aneurysm Requiring Surgery ‘Actual undergoing of brain surgery with craniotomy to correct an abnormal dilation of cerebral arteries, involving all three layers of the walls of the cerebral arteries. The aneurism must be at least 10 millimeter in size or increasing by at least 0.95 millimeter per ‘year and the need for surgery must be confirmed by a neuro-surgeon as evidenced by the results of cerebral angiography. Infection aneurisms, mycotic aneurisms, limited craniotomy and burr-hole procedures do not meet the definition of ‘Cerebral ‘Aneurism Requiring Surgery.” 26.Coma ‘A.coma that persists for @ continuous period of at least ninety-six (96) hours and evidenced by al of the following: 1. There is no response to external stimull for at least ninety-six 96 hours ll. Ufe support measures are necessary to sustain life, and ll, There is brain damage that results in a Permanent neurological deficit ‘The permanence of the neurological deficit must be assessed by a neurologist atleast thiry (30) days after the onset of the coma. 27.Loss of Independent Existence Inability to perform without the continuous assistance of another person atleast three (3) of the Activities of Dally Living for a continuous peri of at least six (6) months and leading to a Permanent inability to perform the same. ‘The benefit for Loss of Independent Existence will automatically cease after the Insured attains age 65, related causes are excluded thermore, all psychiatric 28, Motor Neurone Disease Motor neurone disease of unknown aetiology, as characterised by progressive degeneration of corticospinal tracts and anterior horn cells or bulbar efferent neurones. These include spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis and primary lateral sclerosis,FW) ‘The condition must result inthe Insured being unable to perform without the continuous assistance of another person atleast three (3) of the Activities of Dally Living for a continuous period of at least three (3) months and must (at the end of that period) be confirmed by a neurologist as progressive and resulting in Permanent disability and neurologieal deficit 29. Multiple Sclerosis The definite occurrence of multiple sclerosis, as evidenced by al of the following: 1. Investigations unequivocally confirm the diagnosis to be multiple sclerosis |i, Multiple neurological deficits have occurred over a continuous period of at least six(6) months, solely and directly due to the diagnosis of multiple sclerosis, and ii, There is a well-documented history of exacerbations and remissions of said symptoms or neurological deficts. 30. Muscular Dystrophy ‘Agroup of hereditary degenerative diseases of muscle, characterized by weakness and atrophy of muscle, The diagnosis of muscular dystrophy must be unequivocal ‘The condition must result inthe Insured being unable to perform without the continuous assistance of another person atleast three (3) ofthe Activities of Daily Living for a continuous period of atleast six (6} months and must (atthe end of that period) be deemed Permanent by a consultant physician. 31.Paralysis Total and ireversible loss of use of at least two (2) entire limbs due to Injury or disease. This condition must have persisted for a continuous period of at least six (6) months and must (atthe end of that period) be deemed Permanent by a consultant neurologist 32.Parkinson’s Disease ‘The unequivocal diagnosis of idiopathic Parkinson's Disease by a consultant neurologist, as evidenced by al ofthe following: 1. Cannot be controlled with medication ll, Shows signs of progressive impairment, and ii, Results inthe Insured being unable to perform without the continuous assistance of another person at least three (3) of the Activities of Daily Living. ‘The disability must have persisted for a continuous period of atleast six (6) months and at the end ofthat period must be deemed Permanent by a consultant neurologist. 33.Stroke A cerebro-vascular incident inclucing infarction of brain tissue, cerebral and subarachnoid haemorrhage, cerebral embolism and cerebral thrombosis, as evidenced by al of the following: iL There is evidence of Permanent neurological damage confirmed by a neurologist a least six (6) weeks after the event, and Ji, There are findings on Magnetic Resonance Imaging, Computerisec Tomography, or other reliable imaging techniques consistent with the diagnosis of a new stroke. ‘The following do not meet the definition of ‘Stroke |. Transient ischaemie attacks i, Brain damage due to an accident or injury, infection, vasculitis, and inflammatory disease il, Vascular disease affecting the eye or optic nerve, and iv, Ischaemic disorders ofthe vestibular system GROUP FIVE ~ OTHERS 34. Bacterial Mer tis Bacterial infection resulting in severe inflammation of the membranes ofthe brain or spinal coré resulting insignificant, irreversible and Permanent neurological deficit confirmed by a consultant neurologist. Confirmation of bacterial infection in cerebrospinal fluid by lumbar puncture is required ane the neurological deficit must persist continuously for atleast six (6) weeks. Bacterial Meningitis in the presence of HIV infection is excluded.35.Encephalits Severe inflammation of brain substance, resulting in Permanent neurological deficit which is documented for 8 minimum of thirty (30) days. Encephalitis as @ result of HIV Infection is excluded. 36.HIV/AIDS due to Blood Transfusion Infection with the Human Immunodeficiency Virus (HIV) through a blood transfusion, as evidenced by al of the Fallowing: 1. The infection was due to a blood transfusion that was mecically necessary or given as part of a medical treatment ll, The blood transfusion was received in Philippines after the Effective Date or date of Reinstatement of this Policy (whichever is tater) i, The source of the infection is established to be from the institution that provided the transfusion and the institution is able to trace the origin of the HIV tainted blood, and iv, The insured does not suffer from thalassaemia major or haemophilia, No payment will be made under this condition where a cure has become available prior to the infection. “Cure” means any treatment that renders the HIV inactive or nor-infectious. 37.Loss of Limbs Severance of 2 limbs at or above wrist or ankle as a result of illness or Injury. 38.Loss of Speech Total and irrecoverable loss ofthe ability to speak as a result of injury or disease to the vocal cords. The inability to speak must be established for a continuous period of twelve (12) months and must (atthe end ofthat period) be deemed Permanent on the basis of medical evidence furnished by an Ear, Nose and Throat Specialist. All psychiatric related causes are excluded 39.Major Burns Third degree (fll thickness of the skin) burrs covering at least 20% ofthe surface ofthe Insured’s body. Diagnosis must be evidenced by specific results using the Lund Browser Chart or equivalent burn area calculators, 40. Major Head Trauma with Severe Brain Damage ‘Accidental head injury resulting in the Insured being unable to perform without the continuous assistance of another person at least three (3) of the Activities of Daily Living, ‘The neurological deficit must have persisted continuously for at least 6 weeks and must (atthe end of that period} be deemed Permanent by 2 consultant neurologist, as supported by unequivocal findings on Magnetic Resonance Imaging, Computerised Tomography, oF other reliable imaging techniques, For the avoidance of doubt, head injuries due to any other cause and spinal cord injuries do not meet the above description, ‘41, Occupationally Acquired HIV/AIDS Infection with the Human Immunodeficiency Virus (HIV) which resulted from an Accident occurring after the Effective Date or date cof Reinstatement of this Policy {whichever's later) and while the Insured was carrying out the normal professional duties of His/Her ‘occupation in Philippines. The following proofs must be submitted to Our satisfaction: 1. The Accident giving rise to the infection must be reported to Us within thirty (30) days ofthe Accident taking place; Il The Accident involved a definite source ofthe HIV infected fluids; and il, The sero-conversion from HIV negative to HIV positive occurring during the one hundred eighty (180) days following the documented accident. This proof must include a negative HIV antibody test conducted within five (5) days ofthe accident. ‘This benefits only payable when the occupation of the Insured is a medical practitioner, medical student, state registered nurse, ‘medical laboratory technician, dentist (surgeon or nurse) or paramedical worker, registered with the appropriate body and working Ina licensed medical center or clinic (in the Philippines) No payment will be made under this concition where a cure has become available prior to the infection. “Cure” means any ‘treatment that renders the HIV inactive or non-infectious. 42,Severe Rheumatoid Arth Severe rheumatoid arthritis, with the diagnos's confirmed by a consultant rheumatologist and as evidenced by all of the following: |. X-ray reveals typical rheumatoid change li, The joint deformity change persists continuously for at least 6 months, andFW) ii, Atleast three of the following groups of joints are involved and deformed: (a) finger joints, (b) wrist joints, (c) elbow joints, (4) knee joints, (e) hip joints, (f) ankle joints or (a) spine. ‘The condition must result in the Insured being unable to perform without the continuous assistance of another person at least three (3) of the Activities of Daly Living fora continuous period of atleast six (6) months and must (atthe end ofthat period) be deemed Permanent by a consultant physician. ELIGIBLE MINOR CRITICAL ILLNESSES AMinar Critical Illness means any of the conditions specified below. Subject to proper notice, We reserve the right to change these definitions from time to time to reflect changes in medical terminologies and practices, subject to Insurance Commission approval Al diagnosis must be confirmed by an appropriate Medical Practitioner acceptable to Us. 1. Accidental Fracture of Spinal Column ‘A new spinal fracture caused by an Accident, and requiring hospitalization for open surgical repair, resulting in a Permanent neurological deficit in motor function or bladder function. The spinal column is defined as one bone as a whole, and the diagnosis of the fracture of the spinal column must be based on an examination of an X-ray or any other similar imaging technology by 2 specialist orthopaedic surgeon or a radiologist. 2. Angioplasty and Other Invasive Treatments for Coronary Artery Disease ‘Angioplasty and Other Surgeries for Coronary Artery means either ofthe following procedures: iL Angioplasty and/or stenting, being the actual undergoing of balloon angioplasty and/or stenting to correct narrowing or blockage of one or more coronary arteries, or il, The actual undergoing of atherectomy, laser relief, transmyocardial laser revascularisation or other intra-arterial techniques 10 correct narrowing or blockage of ane or more coronary arteries. ‘Angiographic evidence must be provided that at least one coronary artery has stenosis of 50% or higher and the procedure must be certified as medicaly-necessary and performed by a cardiologist. 3. Diabetic Retinopathy Diabetic Retinopathy means advanced changes to the retinal blood vessels as a consequence of diabetes mellitus, Allof the following criteria must be met: i. Presence of diabetes melitus atthe time of diagnosis of Diabetic Retinopathy il, Visual acuity of both eyes is 6/18 or worse using Snellen eye chart, and il, Actual undergoing of treatment such as laser treatment to alleviate the visual impairment. 4. Early Stage Cancer Early Stage Cancer is any ofthe below conditions i. Early Bladder Cancer: Papilary carcinoma (Ta) of Bladder ii. Early Chronic Lymphocytic Leukaemia: Chronic Lymphactic Leukaemia (CLL) RAI Stage 1 or 2 ill, Early Prostate Cancer: Prostate Cancer histologically described using the TNM Classification as Tla or T1b or Prostate cancers described using another equivalent classification iv. Early Thyroid Cancer: Thyroid Cancer histologically described using the TNM Classification as TINOMO Papillary microcarcinoma of thyroid where the tumors less than 1 centimetre in diameter v. Early Invasive Melanomas: Invasive melanomas of less than 1.5 mm Breslow thickness, or less than Clark Level 3. Non: melanoma skin cancer and all carcinoma in-situ of skin or earlier stages do not meet the definition of "Early Stage Cancer”, or Vi. Carcinoma in situ: as defined below. Carcinoma in situ (Ci) means the focal autonomous new growth of carcinomatous cells confined to the cells in which it originated and has not yet resulted in the invasion and/or destruction of surrounding tissues. Invasion’ means an infitration anc/or active destruction of normal tissue beyond the basement membrane, The CIS diagnos's must be supported by both a histopathological report and microscopic examination of the fixed tissue and supported by a biopsy result Inthe case of the cervix uteri, pap smear results must be accompanied with cone biopsy or colposcopy with the cervical biopsy report clearly indicating presence of CIS. Clinical diagnosis alone does nat meet ths definition of CI. Cervical intraepithelial Neoplasia (CIN) classification which reports CIN |, CIN Il and CIN Il (where there is severe dysplasia without CIS} does not meet the definition of Cs. 5. Loss of One Limb Total and irreversible loss of use of one (2) entire limb (above elbow or above knee) due to ilness or accident.6. Loss of One Lung ‘The complete surgical eemoval ofa lung as a result of an illness ofthe Insured. Partial removal of a lung is excluded. 7. Removal of One Kidney ‘The complete surgical removal of one (1) kidney necessitated by any disease or accident ofthe Insured, The need for the surgical removal ofthe kidney must be certified to be medicaly-necessary by @ nephrologist and/or surgeon. Kidney donation does not meet the definition of Removal of One Kidney.’ 8. Severe Osteoporosis, ‘The occurrence of osteoporosis with fractures where the following conditions are met i. A fracture of the neck of femur or two vertebral body fractures, due to or in the presence of osteoporosis ii, Bone mineral density measured in at least two sites by dual-energy xray densitometry (DEXA) or quantitative CT scanning Is consistent with severe osteoporosis (T-score of less than -2.5), and ‘The Insured undergoes internal fixation or replacement ofthe fractured bone. 9. Surgical Removal of Pituitary Tumor ‘The actual undergoing of surgical excision of pituitary tumor necessitated as a result of symptoms associated with increased Intracranial pressure caused by the tumor, endocrinological disorder with pituitary origin or neurological deficit due to oppression of pituitary tumor onto normal brain tissue, The presence of the underlying tumor must be confirmed by imaging studies such as computed tomography scan or magnetic resonance imaging. The surgery must be certified to be medically necessary by a Medical Practitioner who specializes inthis field Surgical excision of pituitary microadenoma (tumor of &mm in size or below in diameter) does not meet the definition of ‘Surgical Removal of Pituitary Tumor. Juvenile Minor Critical linesses ‘The following Minor Critical lnesses 2iso apply while the Insured is aged seventeen (27) years or younger. 10, Hemophilia A and Hemophilia B ‘The Insured suffers from severe hemophilla with a clotting factor Vil or facto IX of less than 1%. 11. Type 1 Diabetes Mellitus - Insulin Dependent Diabetes Mellitus ‘This is characterized by polydipsia, polyuria, Increased appetite, weightloss, low plasma insulin levels, ep’socic ketoacidosis, and Immunemediated destruction of pancreatic beta cells. insulin therapy and dietary regulation are essential for survival. Total {dependence on insulin therapy must persist for not less than sbx (6) months. Diagnosis of Type | Diabetes Melitus (Insulin Dependent Diabetes Mellitus) must be confirmed by a specialist pediatrician or a specialist pediatric endocrinologist. 12, Kawasaki Disease ‘The diagnosis of Kawasaki Disease with heart complications where there's persistent dilation or aneurysm formation in one or more coronary arteries of at east 6 millimeters in diameter, and the dilation or aneurysm has persisted for atleast 6 months following Initial diagnosis ofthis disease by a pediatric cardiologist. 13, Osteogenesis imperfecta - Type Ill ‘This is characterised by brittle, osteoporotic, easily fractured bone. The Insured must be diagnosed as a Type Ill Osteogenesis, Imperfecta as confirmed by the occurrence of all ofthe following conditions: iL The resuit of physical examination of the Insured by a Medical Practitioner who specializes in Osteogenesis imperfecta that the Insured suffers from growth retardation and hearing impairment i The result of x-ray studies reveals multiple fracture of bones and progressive kyphoscoliosis, and il, Positive result of skin biopsy. 14, Severe Asthma ‘Atleast four (4) ofthe following five (5) criteria must be met: i. History of status asthmaticus within the past two (2) years i. Significant and continuous reduction in exercise tolerance il. Chest deformities resulting from chronic hyperinflation iv. The need for medically prescribed oxygen therapy at home ¥. Continuous daly use of oral corticosteroids (fora minimum period of atleast sx (6) months)415. Systemic Juvenile Idiopathic Arthritis ‘The occurrence of stil's Disease, a form of juvenile chronic arthritis, where there is widespread joint destruction as a result of the disease necessitating hip or knee replacement.