●       Available for ages from 18 to 59 years old.

●       The maximum insurance policy amount is $ 100,000.

●       Compensation is made by paying out the insurance amount in cash to the insured, on the conditions of the disease to be diagnosed after 60 days from the subscription date of the plan, and that the insured remains alive for a period of not less than 30 days after the first diagnosis.

●     According to plan terms & conditions and related table of benefits of the insurance policy.

 

Covered critical illness definitions:

 

occurs when blood flow decreases or stops to a part of the heart, causing damage to the heart muscle. resulting from a blockage of a coronary artery, and this is proven by the following combined matters:

-          History of typical, prolonged chest pain.

-          New changes in the ECG.

-          Increase of cardiac enzymes percentage (CPK) than normal rates

 

Any malignant tumour positively diagnosed with histological confirmation and characterised by the uncontrolled growth of malignant cells and invasion of tissue. or have the ability to spread to other parts of the body, and cause “tumor expansion", including leukemia and lymphoma.

 The term malignant tumour excludes the following from coverage:

-          All malignant skin tumors except for mole cancer.

-          Tumors pre-cancer or precancerous tumors that show only early precancerous changes and localized cancer.

-          Metastatic local tumors such as cervical cancer and papillary bladder cancer.

 

A stroke occurs when a blood clot blocks a blood vessel or artery, or when a blood vessel breaks, interrupting blood flow to an area of the brain. with the emergence of symptoms of partial disruption as a result of this injury, definite evidence of death of tissue or haemorrhage on a brain scan, neurological deficit with persisting clinical symptoms lasting at least 24 hours, and it is always required to provide evidence of permanent disability nervous, and excludes from the coverage the transient stroke resulting from local anemia, or the traumatic wound of the brain tissue and the transient tissues.

 

Chronic irreversible failure of both kidneys to function, As a result of the stage of the condition, regular renal dialysis commenced  (hemodialysis and peritoneal dialysis done by artificial external methods) is or a renal transplant is carried out.

 

Actual procedure of coronary artery surgery by femoral blood vein transplantation or mammary artery transplantation based on the unambiguous recommendation of a specialist physician as a treatment for coronary artery disease.

 

 

 

 

This includes actual operations for the insured's following major organ transplantation: heart, lung, liver, pancreas, bone marrow, and kidneys.

This coverage excludes the costs of examinations, the cost of performing the operation for the donor or the transplantation of part of the aforementioned organs, or any other organ, tissues or cells.

 

The disease shall be diagnosed and proven by a neurologist, and that the insured has sustained impairment of sensory and motor functions on a continuous basis for a period of no less than 6 (six) consecutive months.

 

Actual procedure for open heart surgery to replace and / or widen heart valves due to a defect in those valves, on the advice of a consultant cardiologist

 

The actual surgical procedure for treating a disease in the aorta requires the excision and surgical replacement of the affected part of the artery by grafting and in order to define meaning; the thoracic aorta and abdominal aorta excluding its branches, and any other surgical procedure is excluded from coverage, for example insertion of light rings or repair in the endothelium or Post-traumatic aortic surgery.

 

It is defined as the death of most or part of the liver as a result of the hepatitis virus, which quickly leads to liver failure

All of the following diagnostic items should be present:

A.    a rapid decrease in liver volume.

B.     Functional death involving all lobes of the liver, leading to shrinkage of the retinal frame of the liver.

C.     A steady decline in liver function.

D.    An increase in jaundice

E.     uncontrolled bleeding.

F.      Renal failure due to liver disease, hepatorenal syndrome.

 

 

 

Lung disease in its terminal stage, which is characterized by the following two criteria:

-          FEV1 test results consistently less than 1 liter, or less than 30% than expected, depending on gender and height, and / or permanent reduction in total expiratory volume (lung air volume per minute MVV) less than 50% per minute, or less than 35 Liters per minute, or that requires additional oxygen or self-support devices.

-          Permanent reduction of arterial partial oxygen pressure to 55 mm Hg or less, and an increase in arterial carbon dioxide pressure above 50 mm Hg.

 

is a Chronic syndrome of bone marrow failure characterized by peripheral pancytopenia and marrow hypoplasia , which requires treatment in at least one of the following ways:

A.    Transfusion of the blood product.

B.     Bone marrow stimulation medicine.

C.     suppression of the immune system medication.

D.    A bone marrow transplantation.

 

A definite diagnosis of the total and irreversible loss of hearing in both ears all sounds as a result of acute illness or an accident. Medical evidence must be provided by a specialist otolaryngologist, including an audiometric examination and an examination of the onset of hearing.

 

Loss of speech means a definite diagnosis of the total and irreversible loss of the ability to speak as the result of physical injury or disease, for a period of at least for 12 consecutive months, and medical evidence must be provided by a specialist otolaryngologist to confirm the injury or disease of the vocal cords. All psychological conditions causing speech loss are excluded, and speech loss means an inability to utter a clear and complete word or understandable oral language.

 

 

 

 

Dementia, including Alzheimer's disease means a definite diagnosis of dementia, which must be characterized by a progressive deterioration of memory as indicated by the clinical situation, approved and accepted questionnaires, or examinations as a result of Alzheimer's disease or non-reversible organic degenerative brain disorders and leads to an acute shortage of mental and social functions that require placing the insured under constant supervision and the diagnosis must be clinically proven. By a specialist, with the exception of functional neurological disorder, mental illness and every organic disorder related to drugs and alcohol.

 

The absolute and definitive diagnosis of Parkinson's disease by a neurologist with all of the following conditions:

A.    It cannot be controlled with medication.

B.     The appearance of worsening signs of disease.

C.     The daily living activity evaluation confirms the insured's inability to perform three or more activities related to daily life from the following activities: transportation, dressing, bathing, eating and drinking, toileting, and the ability to move.

Coverage includes only idiopathic autoimmune Parkinson's disease, excluding drug or toxin-induced Parkinson's disease.

 

For this document (policy), the diagnosis of muscle dysplasia should be confirmed by a consultant neurologist with three of the following four factors:

A.    A record of other family members suffering / suffered from the same condition.

B.     Clinical evidence including absence of sensory disturbance, normal cerebrospinal fluid, with slight decrease in the tendon response.

C.     Characteristic electro-muscular contractions and relaxations or.

D.    Clinical suspicion proven by removing part of muscle tissue and studying it in a laboratory so that the above, from the company’s point of view, confirms the diagnosis of Myopathy .

 

 

 

From an appropriate or specialized medical point of view, the insured suffers from a medical condition with a high probability of death within 12 months.

 

Absolute and definitive diagnosis of motor neuron disease by a neurologist consultant supported by conclusive evidence with realistic and neuropathic signs and analyzes.

 

Final liver failure is demonstrated in the following cases:

A.    Continuous bile.

B.     Abdominal dropsy.

C.     Hepatic encephalopathy.

D.    Liver cirrhosis established by examining the liver biopsy.

E.     Portal hypertension evidenced by esophageal varices, splenomegaly confirmed by ultrasound examination, Doppler ultrasound, or direct measurement of portal pressure or spleen overactivity.

 

It excludes liver disease caused by alcohol intake or drug abuse.

 

Benign brain tumour means a definite diagnosis of a non-malignant tumour located in the cranial vault and limited to the brain, meninges, cranial nerves or pituitary gland. The tumour must require surgical or radiation treatment or cause irreversible objective neurological deficit(s)., and leads to permanent neurological disability so that the insured becomes unable to independently and assist the performance of at least three activities related to daily life from the following activities, transportation, dressing, bathing, eating and drinking, toileting, the diagnosis must be confirmed by a specialist neurologist, and there should be written evidence of permanent neurological deficiency for a period of not less than three months.

 

Third-degree major burns that cover 20% of the body's surface, and this is the most dangerous type of burn which includes damage to the entire thickness of the skin and may damage the fatty layer, muscles, and bones, major burns at this level are usually life threatening.

 

Permanent and irreversible loss of vision in both eyes, which is examined using optical instruments and devices, the corrected visual acuity being 60/3 or worse in the best eye with a Snellen eye chart.

 

A state of unconsciousness with no reaction to external stimuli or internal needs, which:

-          Requires the use of medical support devices to maintain life for a continuous period of no less than 96 hours

-          Permanent neurological deficit should be present with persistence of clinical symptoms.

It excludes coma resulting from alcohol intake or misuse of drugs and toxins.

 

HIV infection caused by:

-          A blood transfusion given as part of a therapeutic procedure.

-          An accident injury while performing normal duties (from the qualifying occupations listed below), and after commencement of insurance, provided that:

●       The accident must have been reported to the competent authorities and investigated according to the established procedures.

●       Where HIV infection is detected as a result of an accident that occurs during the performance of normal work tasks, the infection must be confirmed through a negative HIV antibody test that was established within 5 days of the accident.

-          There must be an HIV test within a further 12 months confirming the presence of HIV or antibodies to the virus.

Note that HIV infection resulting from any other means, including sexual activity or drug use, is excluded from this insurance.

 

Eligible Occupations: A doctor, a consultant physician, or a trained medical specialist working in a medical facility, an officer or prison employee, a dentist, a member of the firefighter, ambulance, or police units.

 

Irreversible brain damage resulting from an accident that causes permanent functional disability, which is diagnosed by a neurologist according to standard criteria for brain damage, for example: the Glasgow Coma Scale <5.

 

The complete and irreversible loss of function of two or more limbs due to irreversible damage to the spinal cord.

 

Irreversible muscle paralysis, which is caused by the poliovirus: which is diagnosed by isolating and distinguishing the virus in the spinal fluid.

 

Acute inflammation of the brain with complications lasting at least three months. Which, in the opinion of a specialist in diseases of the nervous system, will leave permanent and severe nerve damage that is not curable, and as a result the insured becomes unable to independently and without assistance to perform at least three or more activities related to daily life from the following activities: transportation, dressing, bathing, eating Drinking, toileting, commuting.

It excludes encephalitis caused by HIV or Herpes infections.

 

Lack of awareness, including cognitive functions, perceptual and sensory feelings, and emotions, with the brain's cautionary functions remaining intact. The anatomical substrate is considered to be the consequence of disruption of the cerebral cortex and / or cessation of the thalamus of the brain. Crucial structures of the brainstem are involved leading to irreversible coma.

 

It is a progressive disease that leads to hardening and narrowing of the skin and connective connective tissues - (the fibers that provide frame and support to the body), and as a result the insured becomes unable to independently and without assistance to perform at least three or more activities related to daily life from the following activities: transport, wear Dressing, bathing, eating and drinking, Toileting, commuting.

 

Systemic lupus erythematosus (SLE) is a chronic inflammation, and autoimmune disorder, that can affect the skin, joints, kidneys and other organs, and it will be covered in the event of serious complications.

 

A non-malignant tumor located in the cranial vault and limited to the brain, meninges, cranial nerves or pituitary gland proven by scans such as a CT scan or an MRI

It excludes cysts, malignancies, malformations of arterioles, brain veins, hematomas, and tumors of the pituitary gland or spine.

 

It is a progressive disorder that is a condition of high blood pressure in the lungs. It's a rare lung disorder in which the blood vessels in the lungs narrow and the pressure in the pulmonary artery rises far above normal levels.

“Primary” means that the condition is not caused by other diseases either in the heart or lungs.

Shortness of breath (shortness of breath) and fatigue are the most common symptoms of primary pulmonary hypertension. People with this disorder may experience additional symptoms. Especially when the situation gets worse. Other symptoms include dizziness and fainting spells, swelling (edema) of the ankles or legs, chest pain, and a rapid pulse.

 

 

                                   _______________________________________________________