LIST OF ADDITIONAL 10 DREAD DISEASES
1. Apallic Syndrome / Vegetative State
Universal necrosis of the brain cortex, with the brainstem remaining intact. Diagnosis must be confirmed by a
neurologist and condition must be documented for at least one month.
2. Creutzfeldt-Jacob Disease (Mad Cow Disease)
A neurological disease, fatal spongioform encephalopathy accompanied by signs and symptoms of a) uncontrolled
muscular spasm or tremor; b) severe progressive dementia; c) cerebellar dysfunction; and d) athetosis. The diagnosis
must be made by a Specialist in neurology; and must be based on conclusive Electroencephalography (EEG) and
Cerebrospinal Fluid (CSF) findings as well as Computed Tomography (CT) scan and Magnetic Resonance Imaging
(MRI).
3. Myasthenia Gravis
An autoimmune disorder characterized by chronic weakness of voluntary muscles which is
confirmed by a Specialist in neurology and proven by Tensilon test and Electromyogram (EMG).
A certified Specialist must report that the disease is generalized and despite optimal therapy with
surgery or medications causing permanent functional impairment such that Life Insured is unable
to perform (whether aided or unaided) at least 3 of the following Activities of Daily Living for a
continuous period of at least 6 months:
The Activities of Daily Living are: -
(a) Transfer
Getting in & out of a chair without requiring physical assistance.
(b) Mobility
The ability to move from room to room without requiring any physical assistance.
(c) Continence
The ability to voluntarily control bowel and bladder functions such as to maintain personal hygiene.
(d) Dressing
Putting on and taking off all necessary items of clothing without requiring assistance of
another person.
(e) Bathing/Washing
The ability to wash in the bath or shower (including getting in or out of the bath or shower) or wash by any other
means.
Myasthenia Gravis due to thyroid disease and Ocular Myasthenia Gravis are excluded.
4. Other Serious Coronary Artery Disease
The narrowing of the lumen of at least three major coronary arteries (not inclusive of their branches) by a minimum of
60 percent or more as proven by coronary arteriography (non-invasive diagnostic procedures are excluded). Coronary
Arteries herein refer to the Circumflex Artery, Right Coronary Artery (RCA), Left Anterior Descending Artery(LAD) and
Left Main Stem ( a narrowing of 60% or more of the Left Main Stem will be considered as a narrowing of two major
arteries). This benefit is payable regardless of whether or not any form of coronary artery surgery has been performed.
2
5. Progressive Scleroderma
A systemic collagen-vascular disease causing progressive diffuse fibrosis in the skin, blood vessels and visceral organs.
This diagnosis must be unequivocally supported by
biopsy and serological evidence and the disorder must have reached systemic proportions to involve the heart, lungs or
kidneys.
The following are excluded:
• Localised scleroderma (linear scleroderma or morphea);
• Eosinophilic fascitis; and
• CREST syndrome.
Loss of Limbs – Recommend replace (covered under TPD)
6. Brachial Plexus Injury resulting in total paralysis one limb
Avulsion of all roots of the brachial plexus due to injury resulting in permanent total paralysis of the arm, absent
reflexes and complete sensory loss. Diagnosis must be confirmed by a consultant neurologist and has to be evident by
EMG / Nerve Conduction Studies performed by a qualified specialist 1 months after injury at the earliest.
Self inflicted / obstetric injuries are excluded.
7. Medullary Cystic Disease
A progressive hereditary disease of the kidneys characterized by the presence of cysts in the medulla, tubular atrophy
and interstitial fibrosis with the clinical manifestations of anemia, polyuria and renal loss of sodium, progressing to
chronic renal failure. Diagnosis should be supported by a renal biopsy.
8. Major Head Trauma
Physical head injury causing permanent functional impairment lasting for a minimum period of three (3) months from
the date of the trauma or injury. The resultant permanent functional impairment is to be verified by a neurologist and
must result in an inability to perform at least three (3) of the following Activities of Daily Living
The Activities of Daily Living are: -
(a) Transfer
Getting in & out of a chair without requiring physical assistance.
(b) Mobility
The ability to move from room to room without requiring any physical assistance.
(c) Continence
The ability to voluntarily control bowel and bladder functions such as to maintain personal hygiene.
(d) Dressing
Putting on and taking off all necessary items of clothing without requiring assistance of
another person.
(e) Bathing/Washing
The ability to wash in the bath or shower (including getting in or out of the bath or shower) or wash by any other
means.
9. Loss of Independent Existence
Confirmation by an appropriate specialist of the loss of independent existence lasting for a minimum consecutive period
of 6 months and resulting in a permanent inability to perform at least three (3) of the following Activities of Daily Living
3
The Activities of Daily Living are: -
(a) Transfer
Getting in & out of a chair without requiring physical assistance.
(b) Mobility
The ability to move from room to room without requiring any physical assistance.
(c) Continence
The ability to voluntarily control bowel and bladder functions such as to maintain personal hygiene.
(d) Dressing
Putting on and taking off all necessary items of clothing without requiring assistance of
another person.
(e) Bathing/Washing
The ability to wash in the bath or shower (including getting in or out of the bath or shower) or wash by any other
means.
10. Systemic Lupus Erythematosus with Lupus Nephritis
Refers to a multi-system, autoimmune disorder characterized by the development of auto-antibodies, directed against
various self-antigens.
Within the context of this policy, SLE is restricted to only those forms of systemic lupus Erythematosus, which involve
the kidneys (Type 111 to Type V Lupus Nephritis, established by renal biopsy). Other forms such as discoid lupus and
those forms with only hematological and joint involvement are specifically excluded.
WHO Lupus Classification:
Class 1 - Minimal change glomerulonephritis
Class 11- Mesangial glomerulonephritis
Class 111- Focal Segmental glomerulonephritis
Class 1V- Diffuse glomerulonephritis
Class V- Membranous glomerulonephritis
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