34 CRITICAL CONDITIONS

1. Heart attack: the death of a portion of a heart muscle as a result of inadequate blood supply to the
relevant area as evidenced by an episode of typical chest pain, new electrocardiographic changes
and by elevation of cardiac enzymes.
2. Surgery of the coronary artery: surgery of the heart as an attempt to correct blocking or
narrowing/tightening of one or more coronary artery/ies by means of bypass grafts.
3. Stroke: cerebrovascular accident resulting in damage lasting for more than 24 hours; and including
infarction of the brain, hemorrhage or embolism caused by extra-cranial origins; and subject to
evidence of permanent neurologist deficit.
4. Cancer: malignant tumor characterized by uncontrolled growth of cells and the spread of malignant
cell to/affecting other body tissues. This includes the medically uncontrollable development of
diseases such as leukaemia and Hodgkins disease.
5. Kidney failure: terminal kidney failure resulting in systematic peritoneal dialisis or haemodialisis or
transplantation of kidney of the person insured.
6. Transplantation of major organs: the person insured is a recipient of a previously conducted
transplantation of major organs such as: heart, lungs, liver, pancreas or bone marrow; or the
recipient is registered in a waiting list as a future recipient in the jurisdiction of the Republic of
Indonesia.
7. Heart valve surgery: open-heart surgery as an attempt to correct or replace abnormal function of
heart valve.
8. Loss of ability to speak: total and permanent loss of the ability to speak.
9. Burns: third degree burns on minimally 20% of body surface.
10. Coma: coma resulting in inability to react to external or internal stimulation lasting for minimum 96
hours.
11. Surgery of aorta: surgery performed as an attempt to correct deficit of aorta thoracalis or aorta
abdominalis.
12. Parkinson's disease: Idiophatic Parkinson is a disease resulting from unknown causes that
requires special care and assistance in the patient's daily activities. Diagnose of this disease has to
be made by a neurologist. If required, the company will appoint one or more physicians specializing
in neurology to back-up/support this diagnose.
13. Loss of hearing: untreatable total loss of hearing of both ears.
14. Alzheimer's disease: total paralyzation of the function of the brain resulting in mental
deterioration and requiring continuous surveillance/care. A diagnose of this disease has to be made
by a neurologist. If required, the company has the right to appoint one or more physicians
specializing in neurology to back-up/support this diagnose.
15. Benign tumor of the brain: a brain tumor, which does not show signs of malignance, does not
attack or expand to other regions/parts of the body.
16. Chronic disease of the lungs: the terminal stage of lung disease, which requires permanent use
of oxygen.
17. Motor neuron disease: a functional deterioration of the central nerve-system to control muscular
activity/ies resulting in the weakening or deterioration of the muscles' ability to move. Diagnosis has
to be made by a neurologist. If required, the company is entitled to appoint other neurologists to
support the diagnosis.
18. Multiple Sclerosis: is the occurrence of more than one episode of permanent neurological deficits
in the course of 6 months. A neurologist, based on the results of image scanning, should confirm
diagnosis.
19. Angioplasty and other invasive procedures for Coronary Heart Disease: the actual
undergoing of balloon angioplasty, laser relief or other techniques to correct significant stenosis of at
least 70% of two or more coronary arteries as considered medically necessary by a consultant
cardiologist.
20. Aplastic Anemia: irreversible bone marrow failure resulting in anaemia, neutropenia and
thrombocytopenia. The diagnosis must be based on a bone marrow biopsy and blood count test.
21. Bacterial Meningitis: is an inflammation of the membranes covering the brain or spinal cord
caused by bacteria. The disease must result in permanent neurological deficit resulting in the total
inability of the Life Assured to perform (whether aided or unaided) at least 3 of the following 6
Activities of Daily Living*) for a continuous period of at least 6 months.
22. Colitis Ulcerative: Ulcerative Colitis shall mean acute Fulminant Ulcerative Colitis with life
threatening electrolyte disturbances usually associated with intestinal distention and a risk of
intestinal rupture, involving the entire colon with severe bloody diarrhea. Diagnosis must be based
on histopathological features and surgery in the form of colectomy and ileostomy should form part
of the treatment.

23. Disabling Primary Pulmonary Hypertension: is the pathological increase of pulmonary pressure
due to structural, functional or circulatory disturbances of the lung leading to right ventricular
enlargement.
24. Encephalitis: is an inflammation of the brain (cerebral hemisphere, brainstem or cerebellum). The
disease must result in significant complications lasting at least 6 weeks, which include permanent
neurological deficit. The neurological deficit must result in the total inability of the Life Assured to
perform (whether aided or unaided) at least 3 of the following 6 Activities of Daily Living *) for a
continuous period of at least 6 months.
25. Fulminant Viral Hepatitis: a submassive to massive necrosis of the liver by a Hepatitis virus,
leading precipitously to liver failure.
26. Chronic Liver Disease: end stage liver failure with increasing jaundice that in general medical
opinion will not improve in future and resulting in either ascites or encephalopathy.
27. Chron's Disease: is marked by chronic inflammation of the colon. Crohn's disease will wax and
wane in severity. Many patients develop diarrhea as well as abdominal pain and weight loss. Crohn's
Disease is a chronic granulomatous inflammatory disease. The disease must result in fistula
formation, or intestinal obstruction or intestinal perforation. The characteristic histopathological
features must confirm diagnosis.
28. HIV from Blood Transfusion: the Life Insured being infected by Human Immunodeficiency Virus
provided that:
o the infection is due to a blood transfusion received after the Risk Commencement Date and
o the source of the infection is established to be from the Institution that provided the blood
transfusion and the Institution is able to trace the origin of the HIV tainted blood and
o the infected Life Insured is not a haemophiliac.
29. Serious Head Trauma: accidental head injury caused by an external physical force resulting in
neurological deficit causing the total inability of the Life Assured to perform (whether aided or
unaided) at least 3 of the following 6 "Activities of Daily Living*)" for a continuous period of at least
6 months.
30. Muscular Dystrophy: are a group of degenerative myopathies caused by genetic disorder and
characterised by weakness and atrophy of muscle without involvement of the nervous system.
Claims shall only be admitted if Muscular Dystrophy causes disability resulting in the total inability of
the Life Assured to perform (whether aided or unaided) at least 3 of the following 6 "Activities of
Daily Living*)" for a continuous period of at least 6 months.
31. Serious Coronary Artery Disease: the narrowing of the lumen of at least one coronary artery by
a minimum of 75% and of two others by a minimum of 60%, as proven by coronary arteriography,
regardless of whether or not any form of coronary artery surgery has been performed. Coronary
arteries herein refer to left main stem, left anterior descending, circumflex and right coronary
artery.
32. Paralysis: means the permanent and total loss of function of two or more limbs as a result of
injury to, or disease of the spinal cord. Limb is defined as the complete arm or the complete leg.
33. Poliomyelitis: unequivocal diagnosis of infection with the polio virus leading to paralytic disease as
evidenced by impaired motor function or respiratory weakness and resulting in the total inability of
the Life Assured to perform (whether aided or unaided) at least 3 of the following 6 "Activities of
Daily Living*)" for a continuous period of at least 6 months.
34. Systemic Lupus Erythematosus: a multisystem, multifactorial, autoimmune disorder which
mostly affects females in their childbearing years and is characterised by the development of autoantibodies directed against various self-antigens. In respect of this contract, systematic lupus
erythematosus will be restricted to those forms of systematic lupus erythematosus which involve
the kidneys (Type III to Type V Lupus nephritis, established by renal biopsy, and in accordance with
the WHO classification). The final diagnosis may have to be supported by a certified doctor
specialising in Rheumatology and Immunology.
*) Activities of Daily Living:
1. Washing: the ability to wash in the bath or shower or wash satisfactorily by other means;
2. Dressing: the ability to put on, take off, secure and unfasten all garments and, as appropriate, any
braces, artificial limbs or other surgical appliances;
3. Transferring: the ability to move from a bed to an upright chair or wheelchair and vice versa;
4. Mobility: the ability to move indoors from room to room on level surfaces;
5. Toileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to
maintain a satisfactory level of personal hygiene;
6. Feeding: the ability to feed oneself once food has been prepared and made available.