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Defined as severe inflammation of brain substance, resulting in permanent neurological deficit lasting for a minimum period of 30 days and certified by a neurologist. The permanent neurological deficit must result in an inability to perform at least three (3) of the Activities of Daily Living. Encephalitis in the presence of HIV infection is specifically excluded.
End stage kidney failure
End stage kidney failure presenting as chronic irreversible failure of both kidneys to function, as a result of which regular renal dialysis is initiated or renal transplantation carried out.
End stage liver filure
End stage liver failure as evidenced by all of the following:
  • Permanent jaundice;
  • Ascites; and
  • Hepatic encephalopathy.
  • Liver failure secondary to alcohol or drug abuse is excluded.
End stage lung disease
End stage lung disease causing chronic respiratory failure. All of the following criteria must be met:
  1. Requiring permanent oxygen therapy as a result of a consistent FEV1 test value of less than one liter. (Forced Expiratory Volume during the first second of a forced exhalation)
  2. Baseline Arterial Blood Gas analysis with partial oxygen pressures of 55mmHg or less
  3. Dyspnea at rest
Endowment insurance
A combination of protection and savings whereby the money will be paid at the end of a specific period upon your demise or if you suffer total and permanent disability.
See deductible.
A contractual provision that denies coverage for certain perils, persons, property, or locations.
The termination of a term life Insurance policy at the end of its period of coverage.