• this policy is designed to cover serious illness/ sickness as defined.
• Heart Attack
• Kidney Failure, Coronary Disease requiring surgery, Major Organ Transplant
• Paraplegia, Blindness and Cancer (including Breast Cancer).
• Compensation only becomes due should the person survive illness for at least 15 days after diagnosis.

Exclusions

• any person below the age of 18 years of age or above 60 years of age.
• existing medical condition diagnosed before policy inception
• sickness or illness attributable to HIV/ AIDS including variations or derivatives thereof.
• Death within 15 days of diagnosis of illness/ sickness.