▇▇▇▇▇▇▇▇▇’▇ Disease Clause Samples

▇▇▇▇▇▇▇▇▇’▇ Disease. The occurrence of ▇▇▇▇▇▇▇▇▇’▇ Disease where there is an associated Neurological Deficit that results in Permanent Inability to perform independently atleast three of the activities of daily living as defined below i. Transfer: Getting in and out of bed without requiring external physical assistance ii. Mobility: The ability to move from one room to another without requiring any external physical assistance iii. Dressing: Putting on and taking of all necessary items of clothing without requiring any external physical assistance iv. Bathing/Washing: The ability to wash in the bath or shower (including getting in and out of the bath or shower) or wash by other means

▇▇▇▇▇▇▇▇▇’▇ Disease. The occurrence of ▇▇▇▇▇▇▇▇▇’▇ Disease where there is an associated Neurological Deficit that results in Permanent Inability to perform independently atleast three of the activities of daily living as defined below i. Transfer: Getting in and out of bed without requiring external physical assistance ii. Mobility: The ability to move from one room to another without requiring any external physical assistance iii. Dressing: Putting on and taking of all necessary items of clothing without requiring any external physical assistance iv. Bathing/Washing: The ability to wash in the bath or shower (including getting in and out of the bath or shower) or wash by other means v. Eating: All tasks of getting food into the body once it has been prepared. ▇▇▇▇▇▇▇▇▇’▇ disease caused due to drug and/or alcohol abuse is excluded

▇▇▇▇▇▇▇▇▇’▇ Disease. The unequivocal diagnosis of progressive, degenerative idiopathic ▇▇▇▇▇▇▇▇▇’▇ disease by a Neurologist Medical Practitioner acceptable to Us. The diagnosis must be supported by all of the following conditions:

▇▇▇▇▇▇▇▇▇’▇ Disease. I) The unequivocal diagnosis of progressive, degenerative idiopathic ▇▇▇▇▇▇▇▇▇’▇ disease by a Neurologist acceptable to Us. II) The diagnosis must be supported by all of the following conditions: i) the disease cannot be controlled with medication; ii) signs of progressive impairment; and iii) inability of the Insured Person to perform at least 3 of the 6 activities of daily living as listed below (either with or without the use of mechanical equipment, special devices or other aids and adaptations in use for disabled persons) for a continuous period of at least 6 months: III) Activities of daily living: i) Washing: the ability to wash in the bath or shower (including getting into and out of the shower) or wash satisfactorily by other means and maintain an adequate level of cleanliness and personal hygiene; 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 lying position in a bed to a sitting position in an upright chair or wheel chair and vice versa; iv) Toileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene; v) Feeding: the ability to feed oneself, food from a plate or bowl to the mouth once food has been prepared and made available.

▇▇▇▇▇▇▇▇▇’▇ Disease. Unequivocal diagnosis of idiopathic or primary ▇▇▇▇▇▇▇▇▇’▇ disease before the age of sixty-five (65), which must be confirmed by a medical specialist. The disease must give rise to a permanent incapacity of performing independently three (3) or more everyday tasks - bathing (being able to take an immersion or shower bath without the assistance of third parties), dressing (being able to dress and undress usual clothes, including any prostheses or orthoses, without the assistance of third parties), personal hygiene (being able to use the bathroom sink and to maintain a reasonable level of hygiene, such as dental hygiene, grooming, shaving and cleaning the excretory organs without the assistance of third parties), mobility (being able to move around the place of residence, on level surfaces, without the assistance of third parties), continence (being able to control the functioning of the intestines and/or bladder (being unable to control one of these functions implying the regular use of diapers or other kind of absorbent shall be considered as incontinence)), eating/drinking (the need to ingest solid and liquid food, prepared and served, necessary for nourishment, including being able to drink through a straw or using other adapted utensils, without the assistance of third parties), or result in being permanently bedridden and unable to get up without external assistance. This condition must be clinically documented for a period of at least three (3) months. - All other types of Parkinsonism that are not idiopathic or primary.

▇▇▇▇▇▇▇▇▇’▇ Disease. The unequivocal diagnosis of idiopathic ▇▇▇▇▇▇▇▇▇’▇ 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 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 or medical appliances. iii. Feeding - The ability to feed oneself food after it has been prepared and made available.

▇▇▇▇▇▇▇▇▇’▇ Disease. Confirmation by a Consultant Neurologist of a definite diagnosis of ▇▇▇▇▇▇▇▇▇’▇ disease (subject to Condition 6).

▇▇▇▇▇▇▇▇▇’▇ Disease. The unequivocal diagnosis of progressive, degenerative idiopathic ▇▇▇▇▇▇▇▇▇’▇ disease before age 60 years, must be supported by the clinical confirmation of a Neurologist. The 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 Insured Person to perform at least 3 of the 6 activities of daily living as listed below (either with or without the use of mechanical equipment, special devices or other aids and adaptations in use for disabled persons) for a continuous period of at least 6 months: Activities of daily living: 1. Washing: the ability to wash in the bath or shower (including getting into and out of the shower) or wash satisfactorily by other means and maintain an adequate level of cleanliness and personal hygiene;

▇▇▇▇▇▇▇▇▇’▇ Disease. The unequivocal diagnosis of progressive degenerative primary idiopathic ▇▇▇▇▇▇▇▇▇’▇ disease (all other forms of Parkinsonism are excluded) made by a consultant neurologist. This diagnosis must be supported by all of the following conditions: The disease cannot be controlled with medication; and Objective signs of progressive impairment; and There is an inability of the Life assured to perform (whether aided or unaided) at least 3 of the following five (6) “Activities of Daily Living” for a continuous period of at least 6months. The Activities of Daily Living are: 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;