No Child Illnesses Definition

Chronic Aplastic Anemia - resulting in Permanent Bone Marrow Failure

Irreversible Permanent bone marrow failure which results in anemia, neutropenia and thrombocytopenia requiring at least two (2) of the following treatments:
(a) Regular blood product transfusion;
(b) Marrow stimulating agents;
1 Chronic Aplastic Anaemia
(c) Immunosuppressive agents; or
(d) Bone marrow transplantation.
The diagnosis must be confirmed by a bone marrow biopsy.

Major Organ / Bone Marrow Transplant

The receipt of a transplant of:
Major Organ/ Bone Marrow (a) Human bone marrow using hematopoietic stem cells preceded by total bone marrow ablation; or
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Transplant (b) One of the following human organs: heart, lung, liver, kidney, pancreas that resulted from Irreversible end-stage failure of the relevant organ.
Other stem cell transplants are not covered.

Brain Surgery
The actual undergoing of surgery to the brain under general anesthesia during which a craniotomy (surgical opening of skull) is performed.
For the above definition, the following are not covered:
(a) Burr hole procedures;
3 Brain Surgery
(b) Transphenoidal procedures;
(c) Endoscopic assisted procedures or any other minimally invasive procedures;
(d) Brain surgery as a result of an accident.

Cancer - of specified severity and does not cover very early cancers
Any malignant tumour positively diagnosed with histological confirmation and characterized by the uncontrolled growth of malignant cells and invasion of tissue. The term malignant tumour includes
leukemia, lymphoma and sarcoma.

For the above definition, the following are not covered:

(a) All cancers which are histologically classified as any of the following:
- pre-malignant;
- non-invasive;
4 Cancer - carcinoma in situ;
- having borderline malignancy;
- having malignant potential.
(b) All tumours of the prostate histologically classified as T1N0M0 (TNM classification)
(c) All tumours of the thyroid histologically classified as T1N0M0 (TNM classification)
(d) All tumours of the urinary bladder histologically classified as T1N0M0 (TNM classification)
(e) Chronic Lymphocytic Leukemia less than RAI Stage 3
(f) All cancers in the presence of HIV
(g) Any skin cancer other than malignant melanoma.

Severe Haemophilia
5 Severe Haemophilia The Insured must be suffering from severe haemophilia A (VIII deficiency) or haemophilia B (IX deficiency) with factor VIII or factor IX activity levels less than one percent (1%). Diagnosis must be
confirmed by a qualified haematologist acceptable to the Company.
Insulin Dependent Diabetes Mellitus (Type I diabetes mellitus)
6 Insulin-dependent Diabetes Mellitus Insulin-dependent Diabetes Mellitus means diabetes characterised by the continuous dependence on exogenous insulin for the preservation of life as diagnosed by a consultant endocrinologist.
Evidence of dependence for a minimum of six months will be required before a claim is considered.
 Kawasaki Disease with Heart Complications
Kawasaki Disease with Heart
7 Kawasaki Disease with Heart Complications means the diagnosis of Kawasaki disease by a consultant paediatrician or cardiologist. There must be echocardiographic evidence of cardiac involvement
Complications
manifested by dilation or aneurysm formation in the coronary arteries present for at least six months after the initial acute episode.
Rheumatic Fever with valvular impairment
Rheumatic Fever with Valvular Rheumatic Fever with Valvular Impairment means a confirmed diagnosis by a qualified paediatrician acceptable to the Company of acute rheumatic fever according to the revised Jones criteria for its
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Impairment diagnosis. There must be involvement of one or more heart valves and at least mild valve incompetence or stenosis attributable to rheumatic fever as confirmed by quantitative investigations of the
valve function by a qualified cardiologist acceptable to the Company.
Severe Asthma
Evidence of an acute attack of Severe asthma with persistent status asthmaticus that requires hospitalization in an intensive care unit and ventilation with a mechanical ventilator requiring
9 Severe Asthma
endotracheal intubation for a continuous period of at least four (4) hours on the advice of a specialist in the relevant field.

Severe Epilepsy
Severe Epilepsy means the Life Assured suffers from Epilepsy as diagnosed by a consultant neurologist or paediatrician confirmed by electroencephalography (EEG) and has :
1) experienced at least six attacks of unprovoked Tonic-Clonic or Grand Mal seizures due to a disorder of the brain in the last six months; OR
2) undergone neurosurgery for treatment of epileptic seizures.
10 Severe Epilepsy Febrile or Absence (Petit Mal) seizures alone do not satisfy the requirements of this definition.
Before a claim will be paid, the insured must have been taking prescribed anti-epileptic (anti-convulsant) medication for at least six months on the recommendation of a consultant neurologist or
paediatrician.

Severe Juvenile Rheumatoid Arthritis

Severe Juvenile Rheumatoid Arthritis means Life Assured suffers from Rheumatoid Arthritis as diagnosed by a consultant rheumatologist, with widespread joint destruction and major clinical
11 Severe Juvenile Rheumatoid Arthritis deformity of at least three or more of the following joints area: Hands; Wrists; Elbows; Knees; Hips; Ankle; Cervical spine; OR Metatarsophalangeal joints in the feet.
The symptoms of arthritis should have persisted for at least one year.

Bacterial Meningitis
Bacterial Meningitis - resulting in Permanent inability to perform Activities of Daily Living
Bacterial meningitis causing inflammation of the membranes of the brain or spinal cord resulting in Permanent functional impairment. The Permanent functional impairment must result in an inability
to perform at least three (3) of the Activities of Daily Living. A minimum Assessment Period of thirty (30) days applies.

12 Bacterial Meningitis The diagnosis must be confirmed by:

(a) an appropriate specialist; and
(b) the presence of bacterial infection in the cerebrospinal fluid by lumbar puncture.

For the above definition, other forms of meningitis, including viral meningitis are not covered.

Encephalitis
Encephalitis - resulting in Permanent inability to perform Activities of Daily Living
Severe inflammation of brain substance, resulting in Permanent functional impairment. The Permanent functional impairment must result in an inability to perform at least three (3) of the Activities of
13 Encephalitis Daily Living. A minimum Assessment Period of thirty (30) days applies. The Covered Event must be certified by a neurologist.

Encephalitis in the presence of HIV infection is not covered.

 Persistent Intellectual Impairment due to Illnesses or Accident
An unequivocal Diagnosis by a Registered Medical Practitioner who is a paediatric psychiatrist of intellectual impairment directly resulting from a sickness or Injury and independently of any other
cause(s), where all of the following conditions are met:
(a) The Insured suffers from sub-average general intellectual functioning, mental handicap, or learning disorder, as determined by a Paediatric Neuro-psychological assessment, and the Insured’s
Persistent Intellectual Impairement treating paediatric psychiatrist certifies that such condition is caused by the said sickness or Injury;
14 (b) An IQ below 50, as established with either of the standardized IQ tests - “Raven's Progressive Matrices” or “Wechsler Intelligence Scale for Children”;
due to Illnesses or Accident
(c) The Insured is age four or above at the time of Diagnosis and the condition has continued without interruption for a period of at least six consecutive months after the Diagnosis; and
(d) There is documented proof of hospitalization of the Insured due to sickness or Injury resulting in said intellectual impairment.

For the avoidance of doubt, intellectual impairment resulting from congenital illness or any substance abuse is excluded.
Glomerulonephritis with Nephrotic Syndrome
Glomerulonephritis with Nephrotic Glomerulonephritis with Nephrotic Syndrome means a confirmed diagnosis of glomerulonephritis with nephrotic syndrome by a qualified pediatrician acceptable tothe Company and who should
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Syndrome confirm that a treatment regimen appropriate to the clinical presentation has been followed throughout the period to which syndrome relates. The syndrome must have continued for a period of at
least six months with or without intervening periods of remission.
Generalized Tetanus
The diagnosis of generalised tetanus due to tetanus toxin must be confirmed by a Consultant physician or Registered Medical Practitioner.
16 Generalized Tetanus
Only cases with all the following criteria will qualify for this benefit. All of the following criteria must be met:
(a) Constant mechanical ventilation is instituted for at least three (3) days as a medically necessary treatment for Generalised Tetanus due to tetanus toxin; and
(b) Tetanus immune Globulin is administered.
Adolescent Morbid Obesity (Requiring Surgery)
Adolescent Morbid Obesity is defined as a Body Mass Index (BMI) of more than 99th percentile for the age of the insured. This diagnosis must be certified by a consultant physician. Only that has
17 Adolescent Morbid Obesity
undergone a medically necessary bariatric surgical procedure (either laparoscopic gastric banding or gastroplasty) to treat the morbid obesity will be eligible for this benefit.