Advances in medicine mean serious illnesses are increasingly survivable if treated properly. These illnesses are Heart Attack, Stroke, Cancer, and Coronary Artery Disease requiring surgery, renal failure, Paralysis/paraplegia, Major organ transplant, Heart valve replacement, Multiple Sclerosis, Terminal illness, Major burns and Coma
We offer Critical Illness Cover as a rider or as a plan. The rider is known as the Dread Disease Accelerated Rider. As a rider the benefit is payable on diagnosis of any one of our stated covered critical illness and provides for the payment of a percentage of the sum insured of the basic plan in the event the Life Insured suffers from one of the 12 covered diseases. The issue ages are 20 to 55 for the rider.

C-LIFE
C-LIFE is the acronym for Critical Illness coverage to age 70.  This policy pays a death benefit or Critical Illness benefit before age 70 whichever comes first. Critical Illnesses are extremely costly therefore this policy is designed to alleviate the need for additional funding. You can select the sum assured you require that can secure you from your financial liabilities in the event of you falling to a critical illness. This policy provides you with immediate access to cash should a critical illness strike. The issue ages are 20 to 65 years. We also offer MEDEX which is a medical assistance network which can advise you of the medical experts that are available for your perusal if you need a second opinion. This plan minimizes the financial worry for yourself, spouse and children when there is emotional distress over your illness.

Critical Illness coverage: DREAD DISEASE ACCELERATED BENEFIT RIDER

DEFINITIONS
HEART ATTACK
The death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area.  The diagnosis must be based on all of:
1. A history of typical chest pain
2. New electrocardiographic changes
3. Elevation of cardiac enzymes

STROKE
Any cerebrovascular incident producing neurological sequelae lasting more than twenty-four (24) hours and including infarction of brain tissue, hemorrhage and embolization from an extra-cranial source.  There must be evidence of permanent neurological deficit.

CANCER
A malignant tumor characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue.  This includes leukaemia (other than chronic lymphocytic leukaemia) Hodgkin’s disease but excludes non-invasisve cancers in situ, tumors in the presence of any human immuno-deficiency virus and any skin cancer other than malignant melanoma.

CORONARY ARTERY DISEASE REQUIRING SURGERY
The undergoing of heart surgery to correct narrowing or blockage of two (2) or more coronary arteries with bypass grafts in persons with limiting anginal symptoms, but excluding non-surgical techniques such as ballloon angioplasty or laser relief of an obstruction.

RENAL FAILURE
End state renal disease, due to whatever cause or causes, with the Insured undergoing regular peritoneal dialysis or haemodialysis, or having had renal transplant.

PARALYSIS/PARAPLEGIA
Total and permanent loss of use of the whole of two (2) or more limbs as a result of injury or disease.  Disability must be established for a continuous period of six (6) months.

MAJOR ORGAN TRANSPLANT
The actual undergoing as the recipient of transplantation of a heart, liver, lung, kidney, pancreas or bone marrow.

HEART VALVE REPLACEMENT
The undergoing ofopen  heart surgery to correct valvular abnormalities which results in the replacement of one or more heart valves with prosthetic valves.  This includes the replacemnt of aortic, mitral, pulmonary or tricuspid valves with prosthetic valves due to stenosis or incompetence or a combination of these factors.

MULTIPLE SCLEROSIS
Unequivocal diagnosis by a consultant neurologist following more than one episode of well-defined neurological symptoms and confirmed by modern investigational techniques such as image scanning.

TERMINAL ILLNESS
Any disease process which, in the opinion of a registered physician, holding an appointment as a specialist consultant at a senior hospital in Trinidad and Tobago, and the Company’s Chief Medial Officer, is highly likely to lead to death within twelve (12) months of the notification of the claim.

MAJOR BURNS
Third degree burns covering at least twenty percent (20%) of the body surface area.

COMA
A state of unconsciousness with no reaction to external stimuli or internal needs, persisting continuously with the use of  life support systems for a period of at least one hundred and forty four (144) hours.