Kenn Chin

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 significant reduction in mental and social functioning requiring the continuous supervision of the life assured. This diagnosis must be supported by the clinical confirmation of an appropriate consultant and supported by the Company’s appointed doctor.

The following are excluded:
- Non-organic diseases such as neurosis and psychiatric illnesses; and
- Alcohol related brain damage.

Source: the above Critical Illness definition is adopted from Life Insurance Association Singapore’s MU 37/03.

The Limited Advance Payment benefit equal to 10% of the Lump Sum Advance Payment subject to a S$25,000 maximum shall be paid if the insured actually undergoes balloon angioplasty or similar intra arterial catheter procedure to correct a narrowing of minimum 60% stenosis, of one or more major coronary arteries as shown by angiographic evidence. The revascularisation must be considered Medically Necessary by a consultant cardiologist.

Coronary arteries herein refer to left main stem, left anterior descending, circumflex and right coronary artery.

This benefit shall cease upon payment of one Limited Advance Payment.

Diagnostic angiography is excluded.

Source: the above Critical Illness definition is adopted from Life Insurance Association Singapore’s MU 37/03.

Chronic persistent bone marrow failure which results in anaemia, neutropenia and thrombocytopenia requiring treatment with at least one of the following:
- Blood product transfusion;
- Marrow stimulating agents;
- Immunosuppressive agents; or
- Bone marrow transplantation.

The diagnosis must be confirmed by a haematologist.

Source: the above Critical Illness definition is adopted from Life Insurance Association Singapore’s MU 37/03.

Bacterial infection resulting in severe inflammation of the membranes of the brain or spinal cord resulting in significant, irreversible and permanent neurological deficit. The neurological deficit must persist for at least 6 weeks. This diagnosis must be confirmed by:
- The presence of bacterial infection in cerebrospinal fluid by lumbar puncture; and
- A consultant neurologist.

Bacterial Meningitis in the presence of HIV infection is excluded.

Source: the above Critical Illness definition is adopted from Life Insurance Association Singapore’s MU 37/03.

A benign tumour in the brain where all of the following conditions are met:
- It is life threatening;
- It has caused damage to the brain;
- It has undergone surgical removal or, if inoperable, has caused a permanent neurological deficit; and
- Its presence must be confirmed by a neurologist or neurosurgeon and supported by findings on Magnetic Resonance Imaging, Computerised Tomography, or other reliable imaging techniques.

The following are excluded:
- Cysts;
- Granulomas;
- Vascular Malformations;
- Haematomas; and
- Tumours of the pituitary gland or spinal cord.

Source: the above Critical Illness definition is adopted from Life Insurance Association Singapore’s MU 37/03.

Total and irreversible loss of sight in both eyes as a result of illness or accident. The blindness must be confirmed by an ophthalmologist.

Source: the above Critical Illness definition is adopted from Life Insurance Association Singapore’s MU 37/03.

A coma that persists for at least 96 hours. This diagnosis must be supported by evidence of all of the following:
- No response to external stimuli for at least 96 hours;
- Life support measures are necessary to sustain life; and
- Brain damage resulting in permanent neurological deficit which must be assessed at least 30 days after the onset of the coma.

Coma resulting directly from alcohol or drug abuse is excluded.

Source: the above Critical Illness definition is adopted from Life Insurance Association Singapore’s MU 37/03.