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A period of time (usually 15 days) during which a policyholder may examine a newly issued individual life or health insurance, and surrender it in exchange for a full refund of premium less expenses incurred for the medical examination of the life policyholder, if not satisfied for any reason.
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. Pneumocystis Carinii Pneumonia;
  4. Progressive multifocal leukoencephalopathy;
  5. Active Tuberculosis;
  6. Less than one-thousand (1000) Lymphocytes
  7. Malignant Lymphoma.
Fulminant viral hepatitis
This is defined as a sub massive to massive necrosis of the liver caused by any virus leading precipitously to liver failure. The diagnostic criteria to be met are:
  1. A rapidly decreasing liver size as confirmed by abdominal ultrasound;
  2. Necrosis involving entire lobes, leaving only a collapsed reticular
  3. framework;
  4. Rapidly deteriorating liver functions tests; and
  5. Deepening jaundice.
Hepatitis B infection or carrier status alone does not meet the diagnostic criteria