No benefit is payable under the Plan for any Minor stage Cancer, and Major stage Cancer, resulting directly or indirectly from or caused or contributed by (in whole or in part) any of the following:
i. Sexually Transmitted Disease
ii. Any congenital conditions; or
iii. Any pre-existing diseases (as defined above)
iv. Intoxication by alcohol or narcotics or drugs not prescribed by a Registered Medical Practitioner.
v. Nuclear, biological or chemical contamination (NBC).
The following are excluded under Major Stage Cancer:
I. Tumours showing the malignant changes of carcinoma in situ & tumours which are histologically described as premalignant or non-invasive, including but not limited to: Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN -2 & CIN-3.
II. Any skin cancer other than invasive malignant melanoma
III. All tumours of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0.
IV. Papillary micro - carcinoma of the thyroid less than 1 cm in diameter
V. Chronic lymphocyctic leukaemia less than RAI stage 3
VI. Microcarcinoma of the Bladder
Pre-existing Disease means any condition, ailment, injury or disease:
- That is/are diagnosed by a physician within 48 months prior to the effective date of the policy issued or its reinstatement by the insurer or
- For which medical advice or treatment was recommended by, or received from, a physician within 48 months prior to effective date of the policy or its reinstatement.
- A condition for which any symptoms and or signs if presented and have resulted within three months of the issuance of the policy or its reinstatement in a diagnostic illness or medical condition
Reinstatement means the revival of policy post expiry of grace period