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Major burns
Third degree (i.e. full thickness) skin burns covering at least twenty percent (20%) of the total body surface area.
Major head trauma
Physical head injury causing permanent functional impairment lasting for a minimum period of three (3) months from the date of the trauma or injury. The resultant permanent functional impairment is to be verified by a neurologist and must result in an inability to perform at least three (3) of the Activities of Daily Living.
Major organ / bone marrow transplant
The receipt of a transplant of:
  • Human bone marrow using hematopoietic stem cells preceded by total bone marrow ablation; or
  • One of the following human organs: heart, lung, liver, kidney, pancreas that resulted from irreversible end stage failure of the relevant organ.
Other stem cell transplants are excluded.
Maturity Date
The date at which a life insurance policy has completed its full term and the face amount becomes payable usually with the condition that the life insured survives to that date.
Maturity value
The amount payable to a living insured at the end of an endowment period or to the owner of a whole life policy if he lives past a certain age.

Medical and health insurance
Insurance which provides specified benefits to cover medical expenses incurred against risks of persons becoming totally or partially incapacitated or hospitalised as a result of sickness or infirmity.
Medullary cystic disease
A progressive hereditary disease of the kidneys characterized by the presence of cysts in the medulla, tubular atrophy and interstitial fibrosis with the clinical manifestations of anemia, polyuria and renal loss of sodium, progressing to chronic renal failure. Diagnosis should be supported by a renal biopsy.
Mortgage reducing term assurance
A policy that covers the repayment of the outstanding loan in the event of untimely death, disability or critical illness of the borrower.
Motor neuron disease
Refers to a progressive degeneration of the corticospinal tracts and anterior horn cells or bulbar efferent neurons. These include spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis and primary lateral sclerosis. The diagnosis must be confirmed by a neurologist as progressive and resulting in permanent neurological deficit.
Multiple Insurance
Coverage from two or more policies which duplicate coverage of certain risks.
Multiple sclerosis
Unequivocal diagnosis by a consulting neurologist confirming the following combination, which has persisted for at least a continuous period of six (6) months:
  1. Symptoms referable to tracts (white matter) involving the optic nerves, brain stem and spinal cord, producing well-defined neurological deficits;
  2. A multiplicity of discrete lesions; and
  3. A well-documented history of exacerbation and remissions of said symptoms/neurological deficits.
Muscular Dystrophy
The diagnosis of muscular dystrophy shall require a confirmation by a neurologist of the combination of 3 out of 4 of the following conditions:
  1. Family history of other affected individuals
  2. Clinical presentation including absence of sensory disturbance, normal cerebro-spinal fluid and mild tendon reflex reduction
  3. Characteristic electromyogram
  4. Clinical suspicion confirmed by muscle biopsy
No benefit will be payable under this Covered Event before the Life Assured has reached the age of 12 years next birthday.