| 7- Family Floater Coverage - Easy Health Family Floater Insurance Plan from Apollo Munich |
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| Source : Website of Apollo Munich Insurance Company Limited |
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Cancer:
A disease manifested by the presence of a malignant tumour characterised by the uncontrolled growth and spread of malignant cells, and the invasion of tissue. Diagnosis must be confirmed by a specialist Medical Practitioner and evidenced by definite histology. Cancer also includes leukaemia and malignant diseases of the lymphatic system such as Hodgkin’s Disease. |
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Excluded are:
Any CIN stage (cervical intraepithelial neoplasia)
Any pre-malignant tumour
Any non-invasive cancer (cancer in situ)
Prostate cancer stage 1 (T1a, 1b, 1c)
Basal cell carcinoma and squamous cell carcinoma
Malignant melanoma stage IA (T1a N0 M0)
Any malignant tumour in the presence of any Human Immunodeficiency Virus. |
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Coronary Artery (Bypass) Surgery:
The actual undergoing of open chest surgery for the correction of one or more coronary arteries, which are narrowed or blocked, by coronary artery bypass graft (CABG). The surgery must have been proven to be necessary by means of coronary angiography and realisation of the surgery must be confirmed by a specialist Medical Practitioner. |
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Excluded are:
Angioplasty
Any other intra-arterial procedures
Key-hole surgery |
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Heart Attack (Myocardial Infarction):
The death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area. Diagnosis must be confirmed by a specialist Medical Practitioner and evidenced by all of the following criteria: a history of typical chest pain new characteristic electrocardiogram changes elevation of infarction specific enzymes, Troponins or other biochemical markers |
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Excluded are:
Non-ST-segment elevation myocardial infarction (NSTEMI) with only elevation of Troponin I or T
Other acute Coronary Syndromes (e.g. stable/unstable Angina pectoris)
Silent myocardial infarction |
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Kidney Failure (End Stage Renal Disease):
End stage renal disease presented as chronic irreversible failure of both kidneys to function, as a result of which either regular renal dialysis (haemodialysis or peritoneal dialysis) is instituted or renal transplantation is carried out. Diagnosis must be confirmed by a specialist Medical Practitioner. |
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Major Organ Transplantation:
The actual undergoing of transplantation as the recipient of a heart, lung, liver, pancreas, small bowel, kidney or bone marrow. Realisation of the transplantation must be confirmed by a specialist Medical Practitioner. |
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Multiple Sclerosis:
Unequivocal diagnosis of Multiple Sclerosis by a specialist Medical Practitioner evidenced by typical clinical symptoms of demyelination and impairment of motor and sensory functions as well as by typical MRI findings. The diagnosis must be confirmed by a specialist Medical Practitioner and evidenced by all of the following criteria: |
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