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36 CRITICAL ILLNESSES 

or DREAD DISEASES

DEFINITION OF THE DREAD DISEASE -

25.  FULL BLOWN AIDS

The clinical manifestation of AIDS (Acquired Immuno-deficiency Syndrome) must be supported by the results of a positive HIV (Human Immuno-deficiency Virus) antibody test and a confirmatory Western Blot test.  In addition, the life insured must have a CD4 cell count of less than two-hundred (200) and one or more of the following criteria are met:

1. weight loss of more than 10% of body weight over a period of six (6) months or less (wasting syndrome);

2. Kaposi sarcoma;

3. pneumocystic carinii pneumonia;

4. progressive multifocal leukoencephalopathy;

5. active tuberculosis;

6. less than one-thousand (1000) lymphocytes;

7. malignant lymphoma.

In the event of a claim, only 50% of the sum assured in force under the Basic Policy is payable.  The balance of the sum assured, if in force, will be payable in the event of a total and permanent disability claim or death or on the first diagnosis of another dread disease.  The premium under the Basic Policy will be waived.

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