There are 6 illnesses eligible for partial-benefit payout included in Sun Critical Illness Insurance. These are illnesses where treatment is less severe yet very effective in managing the illness.

Each partial payout illness in this list is eligible for a benefit payment equal to 15% of the critical illness insurance coverage amount, to a maximum of $50,000 per illness. You can claim once per illness, to a maximum of 4 partial payments. Your Sun Critical Illness Insurance policy remains in place and the partial payment does not reduce the total coverage amount you chose.

Definition

Chronic lymphocytic leukemia (CLL) means a definite diagnosis of Rai stage 0 chronic lymphocytic leukemia (CLL). The diagnosis of chronic lymphocytic leukemia must be made by a specialist and confirmed by pathological examination of the tissue.

Survival period

The insured person must survive for 30 days following the date of diagnosis.

Exclusion

We will not pay an early intervention benefit for Monoclonal lymphocytosis of undetermined significance (MLUS).

90 day exclusion period for cancer

No benefit will be payable under this condition if within the first 90 days following the later of:

  • The date the application for the policy was signed,
  • The policy date,
  • The underwriting decision date if included in the policy, or
  • The most recent date the policy was put back into effect (reinstatement),

the insured person has any of the following:

  • Signs, symptoms or investigations that lead to a diagnosis of cancer (covered or excluded under the policy), regardless of when the diagnosis is made
  • A diagnosis of cancer (covered or excluded under the policy)

Your responsibility to notify us about cancer

You have a responsibility to notify us about cancer, regardless of when a diagnosis is made:

  • If we are notified within 6 months of the date of the diagnosis and the coverage for cancer is excluded based on the 90 day exclusion, coverage for all other covered critical illnesses will continue.
  • If information is not provided within 6 months of the date of diagnosis, we have the right to deny a claim for cancer or any critical illness caused by any cancer or its treatment.

Definition

Ductal carcinoma in situ of the breast is a non-invasive cancer.

The diagnosis of ductal carcinoma in situ of the breast must be made by a specialist and confirmed by pathological examination of the tissue.

Survival period

The insured person must survive for 30 days following the date of diagnosis.

Exclusion

90 day exclusion period for cancer

No benefit will be payable under this condition if within the first 90 days following the later of:

  • The date the application for the policy was signed,
  • The policy date,
  • The underwriting decision date if included in the policy, or
  • The most recent date the policy was put back into effect (reinstatement),

the insured person has any of the following:

  • Signs, symptoms or investigations that lead to a diagnosis of cancer (covered or excluded under the policy), regardless of when the diagnosis is made
  • A diagnosis of cancer (covered or excluded under the policy)

Your responsibility to notify us about cancer

You have a responsibility to notify us about cancer, regardless of when a diagnosis is made:

  • If we are notified within 6 months of the date of the diagnosis and the coverage for cancer is excluded based on the 90 day exclusion, coverage for all other covered critical illnesses will continue.
  • If information is not provided within 6 months of the date of diagnosis, we have the right to deny a claim for cancer or any critical illness caused by any cancer or its treatment.

This is an illness where treatment is more limited but very effective in reducing the risk to your life.

Definition

Papillary thyroid cancer or follicular thyroid cancer means a definite diagnosis of papillary thyroid cancer or follicular thyroid cancer, or both, that is less than or equal to 2.0 cm in greatest diameter and classified as T1, without lymph node or distant metastasis.

The diagnosis of papillary thyroid cancer or follicular thyroid cancer must be made by a specialist and confirmed by pathological examination of the tissue.

Survival period

The insured person must survive for 30 days following the date of diagnosis.

Exclusion

90 day exclusion period for cancer

No benefit will be payable under this condition if within the first 90 days following the later of:

  • The date the application for the policy was signed,
  • The policy date,
  • The underwriting decision date if included in the policy, or
  • The most recent date the policy was put back into effect (reinstatement),

the insured person has any of the following:

  • Signs, symptoms or investigations that lead to a diagnosis of cancer (covered or excluded under the policy), regardless of when the diagnosis is made
  • A diagnosis of cancer (covered or excluded under the policy)

Your responsibility to notify us about cancer

You have a responsibility to notify us about cancer, regardless of when a diagnosis is made:

  • If we are notified within 6 months of the date of the diagnosis and the coverage for cancer is excluded based on the 90 day exclusion, coverage for all other covered critical illnesses will continue.
  • If information is not provided within 6 months of the date of diagnosis, we have the right to deny a claim for cancer or any critical illness caused by any cancer or its treatment.

Definition

Stage 1A malignant melanoma is a melanoma confirmed by biopsy to be less than or equal to 1.0 mm in thickness, not ulcerated and without Clark level IV or level V invasion.

The diagnosis of stage 1A malignant melanoma must be made by a specialist and confirmed by pathological examination of the tissue.

Survival period

The insured person must survive for 30 days following the date of diagnosis.

Exclusion

90 day exclusion period for cancer

No benefit will be payable under this condition if within the first 90 days following the later of:

  • The date the application for this policy was signed
  • The policy date,
  • The underwriting decision date if included in the policy, or
  • The most recent date the policy was put back into effect (reinstatement),

the insured person has any of the following:

  • Signs, symptoms or investigations that lead to a diagnosis of cancer (covered or excluded under the policy), regardless of when the diagnosis is made
  • A diagnosis of cancer (covered or excluded under the policy)

Your responsibility to notify us about cancer

You have a responsibility to notify us about cancer, regardless of when a diagnosis is made:

  • If we are notified within 6 months of the date of the diagnosis and the coverage for cancer is excluded based on the 90 day exclusion, coverage for all other covered critical illnesses will continue.
  • If information is not provided within 6 months of the date of diagnosis, we have the right to deny a claim for cancer or any critical illness caused by any cancer or its treatment.

This is an illness where treatment is more limited but very effective in reducing the risk to your life.

Definition

The diagnosis of stage A (T1a or T1b) prostate cancer must be made by a specialist and confirmed by pathological examination of the tissue.

Survival period

The insured person must survive for 30 days following the date of diagnosis.

Exclusion

90 day exclusion period for cancer

No benefit will be payable under this condition if within the first 90 days following the later of:

  • The date the application for the policy was signed,
  • The policy date,
  • The underwriting decision date if included in the policy, or
  • The most recent date the policy was put back into effect (reinstatement),

the insured person has any of the following:

  • Signs, symptoms or investigations that lead to a diagnosis of cancer (covered or excluded under the policy), regardless of when the diagnosis is made
  • A diagnosis of cancer (covered or excluded under the policy)

Your responsibility to notify us about cancer

You have a responsibility to notify us about cancer, regardless of when a diagnosis is made:

  • If we are notified within 6 months of the date of the diagnosis and the coverage for cancer is excluded based on the 90 day exclusion, coverage for all other covered critical illnesses will continue.
  • If information is not provided within 6 months of the date of diagnosis, we have the right to deny a claim for cancer or any critical illness caused by any cancer or its treatment.

Definition

Coronary angioplasty means the undergoing of an interventional procedure to unblock or widen a coronary artery that supplies blood to the heart to allow an uninterrupted flow of blood.

The procedure must be determined to be medically necessary by a specialist.

Survival period

The insured person must survive for 30 days following the date of the procedure.