Key Terms Used in this Application

Activities of daily living means any of the following:
• eating
• bathing
• using the toilet
• changing positions (including getting in and out of a bed or chair)
• dressing

Artery or vein disorder includes aneurysm, peripheral vascular disease (PVD), deep vein thrombosis (DVT), thrombophlebitis, phlebitis, blood clots, venous insufficiency, carotid artery stenosis, arteriosclerosis, varicose veins.

Heart condition includes heart attack (myocardial infarction), arrhythmia, atrial fibrillation, heart murmur, irregular heart rate or beat, chest pain or angina, arteriosclerosis, aneurysm, carotid artery occlusion, (congestive) heart failure, cardiomyopathy, heart by-pass operation, valve surgery (repair or replacement), valvuloplasty or any other kind of heart surgery, angioplasty, use of pacemaker or defibrillator, congenital heart defect or any other condition relating to the heart or blood vessels.

Heart surgery includes heart bypass operation, angioplasty, valve replacement (repair or replacement), valvuloplasty, implanted pacemaker, implanted defibrillator.

Lung condition includes chronic obstructive pulmonary disease (COPD), bronchial asthma, asthma, chronic bronchitis, emphysema, tuberculosis, pulmonary fibrosis. 1A018MQ-0117

Major organ includes heart, kidney, liver, or lung.

Medical consultation means any medical services obtained from a licensed medical practitioner for a sickness, injury or medical condition, including but not limited to any or all of: history taking, medical examination, investigative testing, advice or treatment, and during which a diagnosis of the condition need not have been definitively made. This does not include regular medical check-ups where no medical signs or symptoms existed between check-ups or were found during the check-up.

Signs or symptoms means any evidence of disease experienced by you or recognized through observation.

Stability period is the 365 days immediately before the effective date.

Terminal applies to a medical condition for which a physician gave a prognosis of eventual death or for which palliative care was received prior to the effective date.

Treatment means a medical, therapeutic or diagnostic procedure prescribed, performed or recommended by a physician including, but not limited to, prescribed medication, investigative testing or surgery.