Cancer - chronic lymphocytic leukemia (CLL) Rai stage 0
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.
No benefit will be payable under this condition for monoclonal lymphocytosis of undetermined significance (MLUS).
For purposes of the policy, the term Rai staging is to be applied as set out in KR Rai, A Sawitsky, EP Cronkite, AD Chanana, RN Levy and BS Pasternack: Clinical staging of chronic lymphocytic leukemia. Blood 46:219, 1975.
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 this 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, or
- 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.