What is not covered
Your policy pays only for loss resulting from cancer, heart attack, stroke or other conditions or diseases directly caused or aggravated by their treatment. Your policy does not cover injuries, or conditions or diseases unrelated to cancer, heart attack, or stroke. This does not pay benefits for cancer that was first diagnosed within 30 days of the date your insurance goes into effect nor does it pay for cancer first diagnosed while your policy was not in force. We will not pay benefits for any person for a diagnosis, or for expense beginning, while that person is not insured under your policy.
"Cancer" means a sickness characterized by an abnormal proliferation of cells which grown in an uncontrolled manner, exhibit invasiveness, and tend to spread to other normal tissues. The cancer can be classified as a carcinoma, malignant carcinoid, sarcoma, leukemia, myelodysplastic syndrome, lymphoma, or other malignant tumor. It can also include the malignant transformation of a previously benign tumor. It does not include pre-cancerous conditions such as leukoplakia, hyperplasia, polycythemia, benign moles, or similar lesions.
"Heart attack" (myocardial infarction; includes ST elevation, non-ST elevation, Q wave and non-Q wave presentations) means the death of a portion of the heart muscle, resulting from blockage of one or more coronary arteries. In order to be covered under this policy, the diagnosis of heart attack (myocardial infarction) must be based on a clinical setting consistent with such diagnosis and either: (a) new electrocardiographic changes consistent with and supporting such a clinical diagnosis of heart attack (myocardial infarction); or (b) a concurrent diagnostic elevation of cardiac biomarkers.
Strokes means a cerebrovascular accident or infarction (death) of brain tissue caused by hemorrhage, embolism, or thrombosis producing measurable, neurological deficit persisting for at least two days following the occurrence of the stroke. Stroke does not include Transient Ischemic Attack (TIA) or other cerebral vascular events. Benefits are payable for confinement in any licensed and accredit hospital. Hospital benefits are not payable for confinement in a hospital or institution or a part of such hospital or institution which is licensed or used principally for the treatment or care of drug addicts or alcoholics, or as a continued or extended care facility, skilled nursing facility, assisted living facility, rehabilitation facility, convalescent home, or nursing home.