CERTIFICATE OF NOMINATION EFFECTIVE 1 SEPTEMBER 2015€¦ · CERTIFICATE OF NOMINATION EFFECTIVE 1...

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CERTIFICATE OF NOMINATION EFFECTIVE 1 SEPTEMBER 2015

CREDITSHIELD INSURANCE

MASTER POLICY NO. MS00000001

Effective 1 September 2015, there are changes made to the coverage under Master Policy No. MS00000001.

This Certificate of Nomination applies to You if You are insured under the existing CreditShield and the cover has

not been terminated. This Certificate of Nomination will supercede any CreditShield Certificate of Nomination with

effect from 1 September 2015 (the “Existing Certificate of Nomination”).

Your Facility is covered under this Certificate if it is so reflected in the Facility’s monthly statement.

Certificate of Nomination

EXTENT OF COVER

DEATH, TOTAL AND PERMANENT DISABLEMENT AND CRITICAL ILLNESS

Cover – In the event of Your Death, Total and Permanent Disablement or You being diagnosed with a Critical

Illness, the Insurer will pay Us an amount (computed in accordance with Clause 3). We will apply the amount to

repay what is outstanding to Us under the Facility and We will pay the remainder (if any) to You or Your estate.

For the Funeral Expense Benefit, we will pay the Benefit to your estate.

TOTAL AND TEMPORARY DISABLEMENT

Cover – In the event of Your Total and Temporary Disablement and subject to Clause 4.3.2, the Insurer will pay Us

the Minimum Monthly Instalment, for each month of Your Total and Temporary Disablement , after the first thirty

(30) days of Your Total and Temporary Disablement.

This Certificate of Nomination sets out the terms of cover provided by Manulife (Singapore) Pte Ltd under Master

Policy No. MS00000001 in respect of a basic accountholder of a Credit Card Facility or Unsecured Credit Facility

(as the case may be) or in the case of a sole Unsecured Credit Joint Account, the first named person in that account

who has not attained the age of sixty (60) years and who has been nominated by Us and approved by the Insurer for

CreditShield Insurance. CreditShield Insurance is designed to provide assistance with monies owning to Us on your

Facility in the event of Your Death, Total and Temporary Disablement, Total and Permanent Disablement and/or

You being diagnosed with a Critical Illness. Subject to the following terms and conditions, Insurer will pay the

Benefit(s) provided for under this Certificate to Us. For the Death Benefit, Total and Permanent Disablement

Benefit, Critical Illness Benefit and Funeral Expenses Benefit, We will pay You / Your estate the remainder (if any)

after We apply the amount received from the Insurer to repay the amount owing to Us under the Facility. For the

Funeral Expense Benefit, We will pay this to the Life Insured’s estate.

1. DEFINITIONS

For the purpose of this Certificate, the following definitions apply unless the context otherwise dictates:

1.1 “Accident’ means bodily injury which is caused solely and directly by external, violent and

accidental means, is independent of any other cause and is not caused by Your own hand.

1.2 “Benefit” means a Death Benefit, Total and Temporary Disablement Benefit , Total and

Permanent Disablement Benefit, Critical Illness Benefit or Funeral Expenses Benefit (whichever is

applicable).

1.3 “Certificate” means this CreditShield Certificate of Nomination issued to You pursuant to the

Policy.

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1.4 “Citibank” means Citibank Singapore Limited with its place of business at 8 Marina View, #21-

00 Asia Square, Singapore 018960.

1.5 “Commencement Date” means the date reflected next to the field “Commencement Date” in the

Existing Certificate of Nomination.

1.6 “Credit” means the credit or other form of financial accommodation provided by Us to You under

the Facility.

1.7 “Credit Card” or “Credit Card Facility” means Citibank credit card facility, which has been

nominated as the facility to which Insurance is to apply.

1.8 “Credit Limit” means such limit of credit as may be provided by Us to You under each Facility.

1.9 “Critical Illness” means any of the critical illnesses stated in Appendix A.

1.10 “Death” means death by natural cause or by Accident or Illness.

1.11 “Event” means: -

1.11.1 Your Death or;

1.11.2 Your Total and Temporary Disablement;

1.11.3 Your Total and Permanent Disablement, or

1.11.4 You being diagnosed with a Critical Illness.

1.12 “Facility” means Your Credit Card Facility or Unsecured Credit Facility (as the case may be).

1.13 “Illness”, as used in the definitions of “Death”, “Total and Temporary Disablement” and “Total

and Permanent Disablement” means a disease or sickness:-

1.13.1 first occurring after the Commencement Date or the last Reinstatement Date; or

1.13.2 occurring prior to the Commencement Date or the last Reinstatement Date, provided that

advice or treatment for that disease or sickness was not sought or obtained from a

medical practitioner, chiropractor, naturopath or any other practitioner of a similar kind

within twelve months immediately prior to the Commencement Date or the last

Reinstatement Date.

1.14 “Indebtedness” means an amount calculated as follows:-

1.14.1 If, at the time of Death or Total and Permanent Disablement or diagnosis of Critical

Illness (whichever is applicable), no Total and Temporary Disablement Benefit has been

paid, an amount equal to:

(i) the closing balance, including any expenses of supplementary cardholders and any

fraction thereof shown on the last billing statement issued on the Life Insured’s Facility

prior to the Insured’s Death or Total and Permanent Disablement or diagnosis of Critical

Illness (whichever is applicable); and

(ii) an amount equal to any authorised transactions made on the Life Insured’s Facility prior

to Life Insured’s Death or Total and Permanent Disablement or diagnosis of Critical

Illness (whichever is applicable) which were not included in the said billing statement,

and

(iii) where the Life Insured has an arrangement with Us to repay his or her retail purchase(s)

under a fixed monthly instalment plan and each instalment is charged to his or her

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Facility, an amount equal to the unpaid instalment(s). Unpaid instalment(s) mean

instalment(s) which have neither been included in the billing statement nor paid by the

Life Insured.

OR

1.14.2 If, at the time of Death or Total and Permanent Disablement or diagnosis of Critical

Illness (whichever is applicable), Total and Temporary Disablement Benefit has been

paid, an amount equal to:

(i) the closing balance, including expenses of supplementary cardholders and any fraction

thereof shown on the last billing statement issued on the Life Insured’s Facility prior to

the Life Insured’s Death or Total and Permanent Disablement or diagnosis of Critical

Illness (whichever is applicable); and

(ii) an amount equal to any authorised transactions made on the Life Insured’s Facility prior

to the Life Insured’s Death or Total and Permanent Disablement or diagnosis of Critical

Illness (whichever is applicable) which were not included in the said last billing

statement; and

(iii) where the Life Insured has an arrangement with Us to repay his or her retail purchase(s)

under a fixed monthly instalment plan and each instalment is charged to his or her

Facility, an amount equal to the unpaid instalment(s). Unpaid instalment(s) mean

instalment(s) which have neither been included in the billing statement nor paid by the

Life Insured

Less the total amount of Total and Temporary Disablement Benefit which has been paid.

1.15 “Injury” means bodily injury resulting from an Accident occurring after the Commencement Date

or the last Reinstatement Date.

1.16 “Insurance” means the cover under CreditShield Insurance Master Policy No. MS00000001

provided by Insurer to Us in respect of the amount outstanding under the Facility.

1.17 “Insurer” means Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D), a company

incorporated in the Republic of Singapore, having its registered office at 51 Bras Basah Road #09-

00 Manulife Centre Singapore 189554 and duly licenced by the Monetary Authority of Singapore

to conduct life insurance business.

1.18 “Minimum Monthly Instalment” means the minimum amount due and payable by You to Us

under a Facility as set out in the last statement of account issued prior to the Event giving rise to a

claim.

1.19 “Policy” means the CreditShield Insurance Master Policy No. MS00000001.

1.20 “Premium” or “Premiums” mean any and all premiums payable under this Policy by Us to

Insurer in respect of You.

1.21 “Reinstatement Date” means the date of acceptance of reinstatement by Citibank.

1.22 “Total and Temporary Disablement” means disablement directly caused by Injury or Illness and

as result of which You are prevented from performing every duty pertaining to Your occupation or

employment on a regularly scheduled full-time basis and provided You are not otherwise

gainfully employed.

1.23 "Total and Permanent Disablement" means:

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(i) as a result of the Injury or Illness, for six consecutive months, the Life Insured is, in the

Insurer's sole opinion and to its sole satisfaction, rendered completely and continuously

and indefinitely unable to earn income in any occupation, trade or profession for which

Life Insured could reasonably be expected to be suited through education, training or

experience. The six-month qualifying period may be waived at the Insurer's absolute

discretion; or

(ii) total and irrecoverable loss of sight of both eyes; or

(iii) loss by severance of two (2) limbs at or above the wrist or ankle; or

(iv) total and irrecoverable loss of sight of one (1) eye and loss by severance of one (1) limb

at or above the wrist or ankle.

1.24 “Unsecured Credit Facility” means a Citibank Ready Credit Account, Citibank Power Cash

Account or Citibank UltraCash Account (as the case may be) to which Insurance is to apply.

1.25 “We”, “Our” or “Us” means Citibank, a company incorporated in Singapore and licensed under

the Banking Act, Chapter 19 of Singapore with registered office at 8 Marina View, #21-00 Asia

Square, Singapore 018960 and our successors and assigns.

1.26 “You” or “Your” or “Life Insured” means the person named on this Certificate of Nomination,

being a basic accountholder of a Credit Card Facility. In the case of Unsecured Credit Facility, it

shall be the accountholder or in the case of joint accounts, the first named person in that account.

The Life Insured must not have attained the age of sixty (60) years.

2. COMMENCEMENT

Insurance will be provided to Us under this Policy from 1 September 2015.

3. BENEFITS

Subject to the terms and conditions of this Certificate, the following Benefits are available: -

3.1 Death Benefit, Total and Permanent Disablement Benefit and Critical Illness Benefit

Upon due proof of Your Death, Total Permanent Disablement or diagnosis of Critical Illness

(whichever occurs first), Insurer will pay to Us an amount computed as follows:

3.1.1 Death Benefit or Total and Permanent Disablement Benefit:

[4 x Indebtedness as at date of Death/ Total and Permanent Disablement (whichever is

applicable)] + a maximum of interest accrued for two (2) months after the date of Death /

Total and Permanent Disablement(whichever is applicable), subject to a cap of

S$160,000 or 4.8 times of Your Credit Limit, whichever is lower.

OR

3.1.2 Critical Illness Benefit:

[2 x Indebtedness as at date of diagnosis of Critical Illness] + a maximum of interest

accrued for two (2) months after the date of diagnosis of Critical Illness , subject to a cap

of S$80,000 or 2.4 times of Your Credit Limit, whichever is lower.

We will deduct from the amount paid to Us by the Insurer what is owing to Us under the Facility

and pay You/Your estate (as the case may be) the remainder (if any).

3.2 Funeral Expenses Benefit

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Upon payment of a Death Benefit, Insurer will pay to Us an amount for Funeral Expenses Benefit

computed as follows:

2x Indebtedness as at date of the Death, subject to a cap of S$80,000 or 2.4 times of Your Credit

Limit, whichever is lower.

3.3 Total and Temporary Disablement Benefit and Total and Permanent Disablement Benefit.

3.3.1 Insurer will pay to Us for each month of Your Total and Temporary Disablement, the

Minimum Monthly Instalment for each month of Your Total and Temporary Disablement

until the limit in clause 5.3.2(i) is hit. However, the Minimum Monthly Instalment will

not be paid for the first thirty (30) days of Your Total and Temporary Disablement.

3.3.2 The Insurer reserves the right to ask for proof to satisfy itself that the Life Insured

qualifies for Total and Temporary Disablement Benefit before each payment is made.

Where the Total and Temporary Disablement Benefit is paid for a period in excess of six

(6) consecutive months, Insurer may, after consideration of medical evidence from

legally qualified medical practitioner (s) appointed by Insurer, classify You as having

suffered Total and Permanent Disablement and entitled to Total and Permanent

Disablement Benefit under Clause 4.1.1 instead of continuing to be entitled to Total and

Temporary Disablement Benefit.

3.4 Premium Waiver Benefit

In case of Total and Temporary Disablement for a continuous period of at least thirty (30) days,

Insurer will waive or refund (as the case may be) the payment of each Premium otherwise falling

due under clause 4.5, during the period of the uninterrupted continuance of the Total and

Temporary Disablement but will cease when the limit in clause 5.3.2(i) is hit.

4. GENERAL CONDITIONS

4.1 Age Limitation

No Benefit will be paid where Life Insured has not attained the age of 21 or who has attained the

age of 65 (at which time this Policy in respect of such Life Insured shall cease).

4.2 Payment of Benefits

All Benefits will be paid to Us. We will apply the Death Benefit, Total and Permanent Disability

Benefit, Total and Temporary Disablement Benefit or Critical Illness Benefit (as the case may be)

to repay what is outstanding under the Facility and pay the remainder (if any) to You or Your

estate. We will pay the Funeral Expense Benefit to Your estate.

4.3 Limitation on Payment of Benefits

4.3.1 No Total and Temporary Disablement Benefit shall be payable for the first thirty (30)

days of any period of Total and Temporary Disablement.

4.3.2 (i) The maximum payable for Death, Total and Permanent Disability and Total and

Temporary Disability in aggregate cannot exceed S$160,000 or 2.4 times of Life

Insured’s Credit Limit, whichever is lesser.

(ii) The maximum payable for Critical Illness Benefit is S$80,000 or 2.4 times of

Life Insured’s Credit Limit, whichever is lesser.

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(iii) The maximum payable for Funeral Expenses Limit is S$80,000 or 2.4 times of

Life Insured’s Credit Limit, whichever is lesser.

4.3.3 If an Event enables the Life Insured to qualify for more than one Benefit, only one

Benefit will be paid, being the higher Benefit applicable, except that where the Event is

death, both the Death Benefit and Funeral Expenses Benefit will be paid.

4.4 Reinstatement

If the Policy has been terminated by Us, the Policy may be reinstated at our option subject and

shall be subject to the exclusions in clause 4.9 below.

4.5 Premiums

All premiums shall be borne by You and paid to Us monthly by deduction from your Facility. The

due date for payment each month shall be a day of the month determined by Us from time to time.

The Premium payable shall be based on the sum of the following:

(i) the closing balance shown on the Facility’s statement of account each month; and

(ii) where You have an arrangement with Us to repay Your retail purchase(s) under a fixed

monthly instalment plan and each instalment is charged to Your Facility, an amount equal

to the unpaid instalment(s). Unpaid instalment(s) mean instalment(s) which have neither

been included in the billing statement nor paid by You.

The Premium rate of S$0.36/S$100.00 is subject to revision by Insurer with prior written 3

months’ notice to you.

4.6 Termination of Cover

The insurance cover provided under this Policy shall terminate on the happening of the first of any

of the following events: -

4.6.1 Your Facility having been cancelled;

4.6.2 Your having attained the age of 65;

4.6.3 Your Death;

4.6.4 Your Total Permanent Disablement. For the avoidance of doubt, if You submit a claim

but the claim is not admitted, the insurance cover will continue and You need to continue

to pay Premiums;

4.6.5 You being diagnosed with a Critical Illness. For the avoidance of doubt, if You submit a

claim but the claim is not admitted, the insurance cover will continue and You need to

continue to pay Premiums;

4.6.6 Non-payment of Premiums for a period of sixty (60) days after the Premiums have

become due, for any reason other than as a result of the Premium Waiver Benefit

applying; or

4.6.7 Written notice to Insurer from Us directing that the Insurance be cancelled.

4.7 Claim Procedures

No Benefits shall be payable under this Policy unless:

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4.7.1 Written notice is given to Us expeditiously after any of the Events giving rise to a

Benefit;

4.7.2 Insurer receives:-

(i) the standard claims form issued by Insurer, duly completed and signed by the

parties required as indicated on the claims form or otherwise notified by the

Insurer; and

(ii) such evidence to substantiate the claim to Insurer’s satisfaction as Insurer may

reasonably require, at no cost to Insurer or Us;

4.7.3 At any time when required by Insurer, You shall undergo medical examinations by a

legally qualified medical practitioner appointed by Insurer, the cost of which is borne by

Insurer;

4.7.4 Insurer receives proof of Your age when required by Insurer; and

4.7.5 A post mortem examination is carried out if required by Insurer at Insurer’s expenses.

4.8 Proof of Indebtedness

In determining the amount of Benefit, Insurer will accept as conclusive and binding, and will act

upon any statement in writing which has been signed for or on Our behalf by a responsible officer,

as to Your inclusion in this Insurance and the amount of the Your Indebtedness or Minimum

Monthly Instalment.

4.9 Exclusions

4.9.1 No Death Benefit and Funeral Expenses Benefit will be payable under this Policy in

respect of a Life Insured where Death occurs as a result of: -

(i) death by suicide within 12 months of the Commencement Date or Reinstatement

Date;

(ii) any disease or sickness occurring within 28 days of the Commencement Date or

Reinstatement Date;

(iii) any deliberate self-inflicted Injury;

(iv) any Accident occurring on or in or about any aircraft other than an aircraft in

which Life Insured was travelling as a fare paying passenger and which is

operated by a licensed commercial or chartered airline;

(v) riot, civil commotion, strikes and war (whether war be declared or not);

(vi) the influence of alcohol or drugs other than the proper use of drugs prescribed

by a legally qualified medical practitioner;

(vii) Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex

(ARC) as defined by the World Health Organisation from time to time, or the

presence of the Human Immune deficiency Virus (HIV) as revealed by the

positive HIV anti-body or HIV Test;

4.9.2 This clause applies where Existing Life Insureds were first nominated under CreditShield

Master Policy and subsequently covered under this revised Master Policy. No Critical

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Illness Benefit will be payable under this Policy where the Critical Illness occurs as a

result of:

(i) A Critical Illness caused directly or indirectly by a Pre-existing Condition.

“Pre-existing Condition” means any condition that was diagnosed, treated, or for

which a medical examiner was consulted, or the existence of any illness, disease

or symptoms of the condition at any time prior to the Commencement Date or

the Reinstatement Date;

4.9.3 This clause applies where Existing Life Insureds were first nominated under CreditShield

Plus Master Policy. No Critical Illness Benefit will be payable under this Policy where

the Critical Illness occurs as a result of:

(i) With respect to any of the 7 CIs, if advice or treatment was sought or obtained

from a medical practitioner, chiropractor, naturopath, or any other practitioner of

a similar kind within twelve months immediately prior to the Commencement

Date or the Reinstatement Date.

(ii) With respect to any of the 23 CIs, if the Critical Illness is diagnosed prior to 1

November 2013 or Reinstatement Date or diagnosed within ninety (90) days of

1 November 2013 or the Reinstatement Date.

(iii) With respect to any of the 23 CIs, a Critical Illness caused directly or indirectly

by a Pre-existing Condition. “Pre-existing Condition” means any condition that

was diagnosed, treated, or for which a medical examiner was consulted or the

existence of any illness, disease or symptoms of the condition at any time prior

to 1 November 2013 or Reinstatement Date.

“7 CIs” refer to “Blindness”, “Coronary Artery Bypass Surgery”, “Heart Attack”,

“Kidney Failure”, “Major Cancer”, “Major Organ/Bone Marrow Transplantation” and

“Stroke”. “23 CIs” refer to all the other CIs in Appendix A apart from the 7 CIs;

4.9.4 in respect of Total and Permanent Disablement, if Life Insured has previously received

Total and Permanent Disablement Benefit relating to the Insurance;

4.10 Cancellation

You may cancel your participation in the Insurance at any time by giving Us seven (7) days notice

in writing. Such termination shall become effective on the date notice is received or on the date

specified in such notice, whichever is later.

4.11 Others

The arrangement of the Insurance as between Us and You is gratuitous and We may at Our

absolute discretion, change the insurer or vary, renew and/or terminate the Insurance as We deem

fit without reference to You.

4.12 Disclosure of information to Insurer

You agree that We can disclose information relating to Yourself and/or Your nominated

account(s) to the Insurer as We deem necessary in connection with the CreditShield arrangement

(including but not limited to the processing of claims).

4.13 Diagnosis

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Diagnosis must be by a legally qualified medical practitioner, based upon specific evidenced, as

described in the definition of the covered Critical Illness, or in the absence of such specific

reference, based upon radiological, clinical, histological or laboratory evidence acceptable to the

Insurer.

5. POLICYHOLDERS’ PROTECTION SCHEME

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the

Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further

action is required from you. For more information on the types of benefits that are covered under the

scheme as well as the limits of coverage, where applicable, please contact Manulife (Singapore) Pte. Ltd. or

visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

WE ARE NOT IN THE BUSINESS OF OFFERING OR ISSUING INSURANCE AND NOTHING IN THIS

CERTIFICATE OF NOMINATION SHALL BE INTERPRETATED AS TO ACKNOWLEDGE THAT WE

ENGAGE IN THE INSURANCE BUSINESS.

http://www.lia.org.sg/

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CreditShield Annexure – Appendix A

Definition of Critical Illness (CI)

(1) Major Cancers

A malignant tumour characterised by the uncontrolled growth and spread of malignant cells with invasion and destruction of normal tissue. This diagnosis must be supported by histological evidence of malignancy and confirmed by an oncologist or pathologist. The following are excluded:

Tumours showing the malignant changes of carcinoma-in-situ and tumours which are histologically described as pre-malignant or non-invasive, including, but not limited to: Carcinoma-in-Situ of the Breasts, Cervical Dysplasia CIN-1, CIN-2 and CIN-3;

Hyperkeratoses, basal cell and squamous skin cancers, and melanomas of less than 1.5mm Breslow thickness, or less than Clark Level 3, unless there is evidence of metastases;

Prostate cancers histologically described as TNM Classification T1a or T1b or Prostate cancers of another equivalent or lesser classification, T1N0M0 Papillary micro-carcinoma of the Thyroid less than 1 cm in diameter, Papillary micro-carcinoma of the Bladder, and Chronic Lymphocytic Leukaemia less than RAI Stage 3; and

All tumours in the presence of HIV infection. (2) Heart Attack

Death of a portion of the heart muscle arising from inadequate blood supply to the relevant area. This diagnosis must be supported by three or more of the following five criteria which are consistent with a new heart attack:

History of typical chest pain;

New electrocardiogram (ECG) changes proving infarction;

Diagnostic elevation of cardiac enzyme CK-MB;

Diagnostic elevation of Troponin (T or I);

Left ventricular ejection fraction less than 50% measured 3 months or more after the event. (3) Coronary Artery By-pass Surgery

The actual undergoing of open-chest 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. (4) Stroke

A cerebrovascular incident including infarction of brain tissue, cerebral and subarachnoid haemorrhage, cerebral embolism and cerebral thrombosis. This diagnosis must be supported by all of the following conditions:

Evidence of permanent neurological damage 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.

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(5) Kidney Failure

Chronic irreversible failure of both kidneys requiring either permanent renal dialysis or kidney transplantation. (6) End Stage Lung Disease

End stage lung disease, causing chronic respiratory failure. This diagnosis must be supported by evidence of all of the following:

FEV1 test results which are consistently less than 1 litre;

Permanent supplementary oxygen therapy for hypoxemia;

Arterial blood gas analyses with partial oxygen pressures of 55mmHg or less (PaO2 ≤ 55mmHg); and

Dyspnea at rest. The diagnosis must be confirmed by a respiratory Physician.

(7) Fulminant Hepatitis

A submassive to massive necrosis of the liver by the Hepatitis virus, leading precipitously to liver failure. This Diagnosis must be supported by all of the following:

rapid decreasing of liver size;

necrosis involving entire lobules, leaving only a collapsed reticular framework;

rapid deterioration of liver function tests;

deepening jaundice; and

hepatic encephalopathy. (8) End Stage Liver Failure

End stage liver failure as evidenced by all of the following:

Permanent jaundice;

Ascites; and

Hepatic encephalopathy. Liver disease secondary to alcohol or drug abuse is excluded. (9) HIV Due to Blood Transfusion and Occupationally Acquired HIV

(A) Infection with the Human Immunodeficiency Virus (HIV) through a blood transfusion, provided that all of the

following conditions are met:

The blood transfusion was medically necessary or given as part of a medical treatment;

The blood transfusion was received in Republic of Singapore after the policy commencement date or date of reinstatement, whichever is the later;

The source of the infection is established to be from the Institution that provided the blood transfusion and the Institution is able to trace the origin of the HIV tainted blood; and

The insured does not suffer from Thalassaemia Major or Haemophilia. (B) Infection with the Human Immunodeficiency Virus (HIV) which resulted from an accident occurring after the

policy commencement date or date of reinstatement, whichever is the later whilst the Insured was carrying out the normal professional duties of his or her occupation in Republic of Singapore, provided that all of the following are proven to the Company’s satisfaction:

Proof of the accident giving rise to the infection must be reported to the Company within 30 day of the accident taking place;

Proof that the accident involved a definite source of the HIV infected fluids;

Proof of sero-conversion from HIV negative to HIV positive occurring during the 180 days after the documented accident. This proof must include a negative HIV antibody test conducted within 5 days of the accident; and

HIV infection resulting from any other means including sexual activity and the use of intravenous drugs is excluded.

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This benefit is only payable when the occupation of the insured is a medical practitioner, housemen, medical student, state registered nurse, medical laboratory technician, dentist (surgeon and nurse) or paramedical worker, working in medical centre or clinic (in Republic of Singapore).

This benefit will not apply under either section A or B where a cure has become available prior to the

infection. “Cure” means any treatment that renders the HIV inactive or non-infectious.

(10) Major Organ /Bone Marrow Transplantation

The receipt of a transplant of:

Human bone marrow using haematopoietic stem cells preceded by total bone marrow ablation; or

One of the following human organs: heart, lung, liver, kidney, pancreas, that resulted from irreversible end stage failure of the relevant organ.

Other stem cell transplants are excluded. (11) Heart Valve Surgery

The actual undergoing of open-heart surgery to replace or repair heart valve abnormalities. The diagnosis of heart valve abnormality must be supported by cardiac catheterization or echocardiogram and the procedure must be considered medically necessary by a consultant cardiologist.

(12) Surgery to Aorta

The actual undergoing of major surgery to repair or correct an aneurysm, narrowing, obstruction or dissection of the aorta through surgical opening of the chest or abdomen. For the purpose of this definition aorta shall mean the thoracic and abdominal aorta but not its branches. Surgery performed using only minimally invasive or intra arterial techniques are excluded. (13) Primary Pulmonary Hypertension

Primary Pulmonary Hypertension with substantial right ventricular enlargement confirmed by investigations including cardiac catheterisation, resulting in permanent physical impairment of at least Class IV of the New York Heart Association (NYHA) Classification of Cardiac Impairment. The NYHA Classification of Cardiac Impairment (Source: “Current Medical Diagnosis & Treatment – 39

th Edition”):

Class I: No limitation of physical activity. Ordinary physical activity does not cause undue fatigue, dyspnea, or

anginal pain.

Class II: Slight limitation of physical activity. Ordinary physical activity results in symptoms.

Class III: Marked limitation of physical activity. Comfortable at rest, but less than ordinary activity causes

symptoms.

Class IV: Unable to engage in any physical activity without discomfort. Symptoms may be present even at rest.

(14) Aplastic Anaemia

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. (15) Benign Brain Tumor

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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. (16) Encephalitis

Severe inflammation of brain substance (cerebral hemisphere, brainstem or cerebellum) caused by viral infection and resulting in permanent neurological deficit. This Diagnosis must be certified by a consultant neurologist and the permanent neurological deficit must be documented for at least 6 weeks. Encephalitis caused by HIV infection is excluded.

(17) Bacterial Meningitis

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. (18) Alzheimer's Disease / Severe Dementia

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 Insured. This diagnosis must be supported by the clinical confirmation of an appropriate consultant and supported by the Company's appointed Physician. The following are excluded:

Non-organic diseases such as neurosis and psychiatric illnesses; and

Alcohol related brain damage.

(19) Parkinson’s Disease

The unequivocal Diagnosis of idiopathic Parkinson’s Disease by a consultant neurologist. This diagnosis must be supported by all of the following conditions:

the disease cannot be controlled with medication;

signs of progressive impairment; and

inability of the Life Insured to perform (whether aided or unaided) at least 3 of the following 6 “Activities of Daily Living” for a continuous period of at least 6 months:

Activities of Daily Living: (i) Washing- the ability to wash in the bath or shower (including getting into and out of the bath or shower) or

wash satisfactorily by other means; (ii) Dressing- the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces,

artificial limbs or other surgical appliances; (iii) Transferring- the ability to move from a bed to an upright chair or wheelchair and vice versa; (iv) Mobility- the ability to move indoors from room to room on level surfaces; (v) Toileting- the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a

satisfactory level of personal hygiene;

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(vi) Feeding- the ability to feed oneself once food has been prepared and made available. Drug-induced or toxic causes of Parkinsonism are excluded. (20) Motor Neurone Disease

Motor neurone disease characterised by progressive degeneration of corticospinal tracts and anterior horn cells or bulbar efferent neurones which include spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis and primary lateral sclerosis. This diagnosis must be confirmed by a neurologist as progressive and resulting in permanent neurological deficit.

(21) Multiple Sclerosis

The definite occurrence of Multiple Sclerosis. The diagnosis must be supported by all of the following:

Investigations which unequivocally confirm the diagnosis to be Multiple Sclerosis;

Multiple neurological deficits which occurred over a continuous period of at least 6 months; and

Well documented history of exacerbations and remissions of said symptoms or neurological deficits. Other causes of neurological damage such as Systemic Lupus Erythematosus (SLE) and HIV are excluded.

(22) Muscular Dystrophy

A group of hereditary degenerative diseases of muscle characterised by weakness and atrophy of muscle. The diagnosis of muscular dystrophy must be unequivocal and made by a consultant neurologist. The condition must result in the inability of the Life Insured to perform (whether aided or unaided) at least 3 of the following 6 “Activities of Daily Living” for a continuous period of at least 6 months: Activities of Daily Living: (i) Washing- the ability to wash in the bath or shower (including getting into and out of the bath or shower) or

wash satisfactorily by other means; (ii) Dressing- the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces,

artificial limbs or other surgical appliances; (iii) Transferring- the ability to move from a bed to an upright chair or wheelchair and vice versa; (iv) Mobility- the ability to move indoors from room to room on level surfaces; (v) Toileting- the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a

satisfactory level of personal hygiene; (vi) Feeding- the ability to feed oneself once food has been prepared and made available.

(23) Paralysis (Loss of Use of Limbs)

Total and irreversible loss of use of at least 2 entire limbs due to injury or disease. This condition must be confirmed by a consultant neurologist. Self-inflicted injuries are excluded. (24) Blindness (Loss of Sight)

Total and irreversible loss of sight in both eyes as a result of illness or accident. The blindness must be confirmed by an ophthalmologist. 4 Deafness (Loss of Hearing)

Total and irreversible loss of hearing in both ears as a result of illness or accident. This diagnosis must be supported by audiometric and sound-threshold tests provided and certified by an Ear, Nose, Throat (ENT) specialist. Total means “the loss of at least 80 decibels in all frequencies of hearing”. 5 Loss of Speech

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Total and irrecoverable loss of the ability to speak as a result of injury or disease to the vocal cords. The inability to speak must be established for a continuous period of 12 months. This diagnosis must be supported by medical evidence furnished by an Ear, Nose, Throat (ENT) specialist. All psychiatric related causes are excluded. 6 Coma

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.

7 Major Head Trauma

Accidental head injury resulting in permanent neurological deficit to be assessed no sooner than 6 weeks from the date of the accident. This diagnosis must be confirmed by a consultant neurologist and supported by unequivocal findings on Magnetic Resonance Imaging, Computerised Tomography, or other reliable imaging techniques. The accident must be caused solely and directly by accidental, violent, external and visible means and independently of all other causes. The following are excluded:

Spinal cord injury; and

Head injury due to any other causes. 8 Major Burns

Third degree (full thickness of the skin) burns covering at least 20% of the surface of the Life Insured’s body. (30) Systemic Lupus Erythematosus With Lupus Nephritis

A multi-system, multifactorial, autoimmune disorder characterised by the development of auto-antibodies directed against various self-antigens. In respect of this contract, systemic lupus erythematosus will be restricted to those forms of systemic lupus erythematosus which involve the kidneys (Type III to Type V Lupus nephritis, established by renal biopsy, and in accordance with the WHO classification). The final diagnosis must be confirmed by a certified doctor specialising in Rheumatology and Immunology. The WHO classification of lupus nephritis: Grade one Minimal Change Lupus Glomerulonephritis Grade two Messangial Lupus Glomerulonephritis Grade three Focal Segmental Proliferative Lupus Glomerulonephritis Grade four Diffuse Proliferative Lupus Glomerulonephritis Grade five Membranous Lupus Glomerulonephritis

CERTIFICATE OF NOMINATION EFFECTIVE 1 SEPTEMBER 2015€¦ · CERTIFICATE OF NOMINATION EFFECTIVE 1...

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