Benign brain tumour

Definition

Benign brain tumour means a definite diagnosis of a non-malignant tumour located in the cranial vault and limited to the brain, meninges, cranial nerves or pituitary gland. The tumour must require surgical or radiation treatment or cause irreversible objective neurological
deficit(s).

The diagnosis of benign brain tumour must be made by a specialist.

Exclusions

No benefit will be payable under this condition for pituitary adenomas less than 10 mm.

90 day exclusion period for benign brain tumour

No benefit will be payable for benign brain tumour 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 benign brain tumour (covered or excluded under this policy), regardless of when the diagnosis is made, or
  • a diagnosis of benign brain tumour (covered or excluded under this policy).

Your responsibility to notify us about benign brain tumour

You have a responsibility to notify us about benign brain tumour regardless of when a diagnosis was made:

  • If we are notified within 6 months of the date of the diagnosis and the coverage for benign brain tumour 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 benign brain tumour or any critical illness caused by any benign brain tumour or its treatment.