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Any malignant tumour positively diagnosed with histological confirmation and characterized by the uncontrolled growth of malignant cells and invasion of tissue. The term malignant tumour includes leukemia, lymphoma and sarcoma. For the above definition, the following are not covered:
  1. All cancers which are histologically classified as pre-malignant, non-invasive; carcinoma in situ; having either borderline malignancy; or having low malignant potential
  2. All tumours of the prostate, thyroid and urinary bladder histologically classified as T1N0M0 (TNM classification)
  3. Chronic Lymphocytic Leukemia less than RAI Stage 3
  4. All cancers in the presence of HIV
  5. Any skin cancer other than malignant melanoma
Chronic aplastic anemia
Irreversible persistent bone marrow failure which results in anemia, neutropenia and thrombocytopenia requiring treatment with at least 2 of the following:
  1. Regular blood product transfusion;
  2. Marrow stimulating agents;
  3. Immunosuppressive agents; or
  4. Bone marrow transplantation.
The diagnosis must be confirmed by a bone marrow biopsy.
Notification to an insurance company that payment of an amount is due under the terms of the policy. 
A provision in a medical and health policy which requires the policyholder to bear the difference in room charges as well as other eligible benefits (usually 10% - 20%) described in the policy contract if the rate charged by the hospital is higher than the policyholder’s eligibility.
A state of unconsciousness with no reaction or response to external stimuli or internal needs, persisting continuously for at least 96 hours, requiring the use of life support systems and resulting in a permanent neurological deficit, lasting more than 30 days. Confirmation by a neurologist must be present. Coma resulting directly from self-inflicted injury, alcohol or drug abuse is excluded.
Remuneration paid to an agent by an insurance company for his services.
A certain amount of money given as payment as determined accordingly in response to a claim made by the policyholder.
The monetary consideration payable once or periodically by a participant to a takaful operator for his participation in the takaful scheme.
Coronary artery by-pass surgery
Refers to the actual undergoing of open-chest surgery to correct or treat Coronary Artery Disease (CAD) by way of Coronary Artery By-Pass Grafting. Angioplasty and all other intra-arterial, catheter based techniques, keyhole or laser procedures are excluded.