Nothing about a critical illness is ever easy, especially financing it. 

But having a policy that looks out for you in many ways, can help ease the load a lot. Learn how to provide coverage for  conditions of all stages, from early to intermediate and advanced. 

Industry list of all 37 critical illnesses:

Source : LIA Critical Illness (CI) Framework 2019, Standard Definitions for Severe Stage of 37 Critical Illnesses : Version 2019, https://www.lia.org.sg/media/2160/mu5819-part-2-of-4-_lia-ci-framework-2019_lia-definitions-for-37-cis.pdf

Major Cancers

A malignant tumour positively diagnosed with histological confirmation and characterized by the uncontrolled growth of malignant cells with invasion and destruction of normal tissue. 

The term malignant tumour includes leukaemia, lymphoma and sarcoma. 

Major Cancer diagnosed on the basis of finding tumour cells and/or tumour-associated molecules in blood, saliva, faeces, urine or any other bodily fluid in the absence of further definitive and clinically verifiable evidence does not meet the above definition.

For the above definition, the following are excluded :

  • All tumours which are histologically classified as any of the following :
    • Pre-malignant;
    •  Non-invasive;
    • Carcinoma-in-situ (Tis) or Ta;
    • Having borderline malignancy;
    • Neoplasm of uncertain or unknown behaviour; or
    • All grades of dysplasia, squamous intraepthelial lesions (HSIL and LSIL) and intra epithelial neoplasia;

  • Any non-melanoma skin carcinoma, skin confined primary cutaneous lymphoma and dermatofibrosarcoma protuberans unless there is evidence of metastases to lymph nodes or beyond;

  • Malignant melanoma that has not caused invasion beyond the epidermis;

  • All Prostate cancers histologically described as T1N0M0 (TNM Classification) or below; or Prostate cancers of another equivalent or lesser classification;

  • All Thyroid cancers histologically classified as T1N0M0 (TNM Classification) or below;

  • All Neuroendocrine tumours histologically classified as T1N0M0 (TNM Classification) or below;

  • All tumours of the Urinary Bladder histologically classified as T1N0M0 (TNM Classification) or below;

  • All Gastro-Intestinal Stromal tumours histologically classified as Stage I or IA according to the latest edition of the AJCC Cancer Staging Manual, or below;

  • Chronic Lymphocytic Leukaemia less than RAI Stage 3;

  • All bone marrow malignancies which do not require recurrent blood transfusions, chemotherapy, targeted cancer therapies, bone marrow transplant, haematopoietic stem cell transplant or other major interventionist treatment; and

  • All tumours in the presence of HIV infection.

Cancer remains as Singapore’s highest cause of death, sourced from : https://www.healthhub.sg/a-z/health-statistics/4/principal-causes-of-death (information accurate as of 2019).

Heart Attack of Specified Severity

Death of heart muscle due to obstruction of blood flow, that is evident by at least three of the following criteria proving the occurrence of a new heart attack: 

  • History of typical chest pain; 

  • New characteristic electrocardiographic changes; with the development of any of the following: ST elevation or depression, T wave inversion, pathological Q waves or left bundle branch block;

  • Elevation of the cardiac biomarkers, inclusive of CKMB above the generally accepted normal laboratory levels or Cardiac Troponin T or I at 0.5ng/ml and above;

  • Imaging evidence of new loss of viable myocardium or new regional wall motion abnormality. The imaging must be done by Cardiologist specified by the Company.

 

For the above definition, the following are excluded: 

  • Angina;

  • Heart attack of indeterminate age; and

  • A rise in cardiac biomarkers or Troponin T or I following an intra-arterial cardiac 

  • procedure including, but not limited to, coronary angiography and coronary angioplasty. 

    Explanatory note: 0.5ng/ml = 0.5ug/L = 500pg/ml

Stroke with Permanent Neurological Deficit

A cerebrovascular incident including infarction of brain tissue, cerebral and subarachnoid haemorrhage, intracerebral embolism and cerebral thrombosis resulting in permanent neurological deficit with persisting clinical symptoms. This diagnosis must be supported by all of the following conditions:

  • Evidence of permanent clinical neurological deficit confirmed by a neurologist at least 6 weeks after the event; and

  • Findings on Magnetic Resonance Imaging, Computerised Tomography, or other reliable imaging techniques consistent with the diagnosis of a new stroke.

 

The following are excluded:

  • Transient Ischaemic Attacks;

  • Brain damage due to an accident or injury, infection, vasculitis, and inflammatory disease; 

  • Vascular disease affecting the eye or optic nerve; and

  • Ischaemic disorders of the vestibular system.

 

Permanent means expected to last throughout the lifetime of the Life Assured. 

Permanent neurological deficit with persisting clinical symptoms means symptoms of dysfunction in the nervous system that are present on clinical examination and expected to last throughout the lifetime of the Life Assured. Symptoms that are covered include numbness, paralysis, localized weakness, dysarthria (difficulty with speech), aphasia (inability to speak), dysphagia (difficulty swallowing), visual impairment, difficulty in walking, lack of coordination, tremor, seizures, dementia, delirium and coma. 

Coronary Artery By-pass Surgery

The actual undergoing of open-chest surgery or Minimally Invasive Direct Coronary Artery Bypass surgery to correct the narrowing or blockage of one or more coronary arteries with bypass grafts. This diagnosis must be supported by angiographic evidence of significant coronary artery obstruction and the procedure must be considered medically necessary by a consultant cardiologist. 

 

Angioplasty and all other intra arterial, catheter based techniques, ‘keyhole’ or laser procedures are excluded. 

End Stage Kidney Failure

Chronic irreversible failure of both kidneys requiring either permanent renal dialysis or kidney transplantation. 

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