Carcinoma in Situ
A malignant tumor which has not yet become invasive but is confined only to the superficial layer of cells from which it arose. The term Carcinoma in Situ does not include: 1. pre-malignant conditions or conditions with malignant potential; 2. Skin Cancer; or 3. Invasive Cancer. For purposes of this Covered Condition, prostate cancer that is classified as T-1a, b, or c, N- 0, and M-0 on a TNM classification scale, will be considered Carcinoma in Situ. A non-progressive, developmental brain disorder resulting in impaired motor function, muscle tone, or posture caused by a brain injury or abnormal development of the brain that occurs while a child’s brain is still developing before, during, or within 24 hours of birth. The Date of Diagnosis is the date determined by a Physician that the child, while between the ages of 3 and 6, displayed the clinical findings of the disorder and required assistance with walking, including the use of assistive devices such as braces or other orthotics. The Certificate , including the Certificate Schedule, amendments, riders and supplements, if any, is a written statement prepared by Us to set forth a summary of: 1. benefits to which the Covered Person is entitled; 2. to whom the benefits are payable; and 3. limitations or requirements that may apply. A diagnosis that is based on generally accepted medical principles. This type of diagnosis applies only when: 1. a Pathological Diagnosis cannot be made because it is medically inappropriate or life-threatening; and 2. there is medical evidence to support the diagnosis. A profound state of unconsciousness lasting at least 96 continuous hours as the result of disease or Sickness from which the Covered Person cannot be aroused through visual auditory, and noxious physical stimuli. Coma does not mean any state of unconsciousness intentionally or medically induced from which the Covered Person is able to be aroused. The Date of Diagnosis is the date a Covered Person meets the requirements of a Coma. A narrowing or blockage of the inner lining of the coronary arteries by lipid-bearing plaques. The resulting blockage restricts blood flow to the heart by at least 70% for any one occlusion or 50% for any two or more. The Date of Diagnosis is the date the Physician confirms the required % blockage of the coronary artery. Is a loss that is: 1. specified in the Schedule of Benefits and included in the Description of Coverages ; and 2. suffered by the Covered Person within the applicable time period described in the Schedule of Benefits. An eligible person, as defined in the Schedule of Benefits , who is enrolled and for whom the Evidence of Insurability, where required, has been accepted by Us, required premium has been paid when due and coverage under this Policy remains in force. A disease or Sickness, as diagnosed by a Physician that is specified as a Covered Condition in the Policy where the Date of Diagnosis occurs while coverage is inforce. For purposes of the Policy:
Cerebral Palsy
Certificate
Clinical Diagnosis
Coma
Coronary Artery Disease
Covered Loss
Covered Person
Critical Illness
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