| CRITICAL ILLNESS PRODUCTS COMPARATIVE TABLE | Definitions may be modified by each and every company , table is for basic review only. |
| Standardized descriptions | |
| As at Feb 2002 subject to change, Read Your Contract | |
| Alzheimer's disease | As evidenced by loss of intellectual capacity involving impairment of memory and judgement resulting in the reduction in mental and social functioning and requiring supervision for activities of daily living |
| Blindness | As evidenced by permanent loss of sight in both eyes with corrected visual acuity of less than 20/200 or a field of vision in both eyes less than 20 degreesÂof less than 20/200 or a field of vision in both eyes less than 20 degrees |
| Coronary Artery Bypass | Excludes non surgical techniques like balloon angioplasty or laser embolectomy |
| Deafness | As evidenced by permanent loss of hearing in both ears with an auditory threshold of more than 90 decibels |
| Heart Attack | As evidenced by ECG changes and elevation of cardiac enzymes |
| Kidney Failure | As evidenced by irreversible failure of both kidneys which necessitates treatment by regular dialysis or transplant |
| Loss of Limbs | As evidenced by the total and permanent severance of two or more limbs from above the wrist or ankle joint |
| Lou Gehrig's disease | As evidenced by a licensed and practicing neurologist's report stating the unequivocal diagnosis of motor neuron disease |
| Major Burns | As evidence by third degree burns covering at least 20% of the body |
| Major Organ Transplant on Waiting list | Implies the payment of benefits once the insured has been accepted to a recognized organ transplant program's waiting list |
| Major Organ Transplant | Organs include; heart, lungs, liver, kidney and bone marrow |
| Multiple Sclerosis (MS) | As evidenced by the unequivocal diagnosis of MS confirmed by modern investigative techniques. The MS must be characterized by at least two episodes of well-defined neurological abnormalities lasting for a continuous period of at least six months (180 days) |
| Occupational HIV Infection | Accidental injury during the course of the insured's normal occupation and evidenced by standard testing protocol |
| Parkinson's disease | As evidenced by primary idiopathic Parkinson's disease which includes two or more of the following symptoms: rigidity, tremors or bradykinesis |
| Stroke | As evidenced by neurological |