Pukwana ya Kganya Terms & Conditions

63 Annexe E.3 Dread Disease Benefits 1. The following Dread Disease Benefits are payable in respect of the Policyholder as Assured Life in terms of the Dread Disease and Personal Accident Policy: Assured Life Dread Disease Benefit Policyholder R 27 000 2. The following Dread Diseases will be covered in terms of the Dread Disease Benefit in respect of the Dread Disease Categories listed in items 1 to 9 below: DREAD DISEASE CATEGORIES EXCLUSION 1. Heart Attack Dread Disease description The death of a portion of the heart muscle which results from inadequate blood supply to the relevant area. The diagnosis will be based on: • a history of typical chest pain; • new characteristic electro-cardiogram changes; and • elevation of infarction specific enzymes, Troponins or other biochemical markers. All three factors are required and confirmation in the affirmative is required on the provided Medical Report. The following are excluded: • Non-ST-segment (NSTEMI); A STEMI or ST-elevation myocardial infarction is caused by a sudden complete (100%) blockage of a heart artery (coronary artery). A non- STEMI is usually caused by a severely narrowed artery but the artery is usually not completely blocked. The diagnosis is initially made by an electrocardiogram (ECG or EKG). • Elevation of Troponin I or T; Elevation of T or I is indicative of cardiac damage, but this can occur as a result of causes other than heart attack e.g. myocarditis, coronary artery spasm, severe cardiac failure, cardiac trauma from surgery etc. • Other acute Coronary Syndromes (e.g. stable/unstable Angina pectoris); and Angina, also known as angina pectoris, is chest pain or pressure, usually due to not enough blood flow to the heart muscle. Worsening angina attacks, sudden-onset angina at rest, and angina lasting more than 15 (fifteen) minutes are symptoms of unstable angina (usually grouped with similar conditions as the acute coronary syndrome). As these may precede a heart attack, they require urgent medical attention and are, in general, treated in similar fashion to myocardial infarction. • Silent myocardial infarction. “Silent” myocardial infarctions can happen without any symptoms at all. These cases can be discovered later on electrocardiograms, using blood enzyme tests or at autopsy after a person has died. No benefit is payable if a claim for Coronary Artery (bypass) Surgery or a Heart Transplant has been previously admitted in respect of the Policyholder. 2. Stroke Dread Disease description Where a cerebrovascular accident or incident occurs, producing permanent neurological sequelae lasting more than 48 (forty- eight) hours as a result of infarction of brain tissue, haemorrhage and embolisation from an extracranial source, excluding traumatic injury. Evidence of neurological deficit for at least 3 (three) months has to be produced. Neurological sequelae are medical conditions associated with damaged neurons resulting from a previous disease, injury or other trauma. The following are excluded: • Transient ischemic attacks (TIA); A transient ischemic attack (TIA) is a brief episode of neurological dysfunction caused by loss of blood flow (ischemia) in the brain, spinal cord or retina, without tissue death (infarction). • Neurological symptoms due to migraine; and • Lacunar strokes without neurological deficit.