Introduction to Breast Cancer
Breast cancer is one of the most common cancers to affect women, although men can also develop it. Breast cancer may originate either in the lining of the milk ducts, or in the lobules that supply the ducts with milk. Cancers arising in the ducts are known as ductal carcinomas, while cancers that develop in the lobules are called lobular carcinomas.
Each year over 1,15,000 new cases of breast cancer are reported in India. Statistically, that means – 1 in 22 Indian women are at risk of developing breast cancer.
Symptoms
The most noticeable sign of breast cancer is the presence of a lump that feels different from the rest of the breast tissue. Other symptoms include:
- Changes in the size and/or shape of the breast
- Skin dimpling
- Nipple inversion
- Spontaneous clear or bloody discharge from a single nipple.
- Itching
- Swelling
- Pain
- Warmth and redness throughout the breast
- An orange-peel texture to the skin
- Presence of lumps in the lymph nodes located in the armpits
Risk Factors
The biggest risk factor of developing breast cancer is – being female. Apart from the obvious, these are the most common risk factors for breast cancer:
- Lack of childbearing
- Lack of breastfeeding
- High hormone levels
- Iodine deficiency in diet
- Smoking tobacco
- Alcohol consumption
- Genetic predisposition
- Increase in weight
Prevention
Although most cases of breast cancer cannot be prevented, there are some measures you can take to reduce your risk of getting this disease:
- Exercise regularly.
- Avoid alcohol.
- Maintain a healthy weight.
- Breastfeed your children.
Treatment
Breast cancer is usually treated with surgery, usually involving the physical removal of the whole breast, or just the infected part of the breast. Other methods of treatment are:
- Hormone blocking therapy
- Chemotherapy
- Monoclonal antibodies
- Radiation therapy
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Introduction to Vaginal Cancer
Vaginal cancer is a rare type of cancer that occurs in the vaginal tissue. It occurs for 3% of reproductive system cancers overall.
Risk Factors
It is not clear what causes vaginal cancer directly, but the following risk factors have been isolated:
- Being infected by HPV (Human Papilloma Virus) and/or HIV (Human Immunodeficiency Virus).
- Being diagnosed with cervical cancer.
- Being a smoker.
- Using a vaginal pessary.
- Having been exposed to DES (synthetic oestrogen that was given to women before 1971 during pregnancy to prevent miscarriage) or being the daughter of a woman who was exposed to DES.
Symptoms
These are the most common risk factors for vaginal cancer:
- Vaginal discharge that may or may not contain blood. that is white, clear or pinkish.
- Changes in urination, like pain, presence of blood in urine, or frequent urination.
- Pain in the pelvis.
- A vaginal mass that can be felt by the woman or her doctor.
- Abnormal bleeding from the vagina.
- Changes in bowel function, like constipation, black stools and a feeling that the bowels have not been completely emptied.
Prevention
The best way to prevent vaginal cancer is to avoid the risk factors:
- Get a regular pap smear test and an HPV vaccination.
- Avoid smoking.
- Take precautions to prevent an HIV infection as well.
Treatment
Treatment for vaginal cancer may include any of the following:
- Surgery, if the tumour is small.
- Laser excision, if the cancer is in the early stages.
- Radiation therapy.
- Chemotherapy is used sometimes, if the cancer has advanced to a later stage.
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Introduction to Fallopian Cancer
Fallopian tube cancer is a rare type of cancer that originates in the fallopian tubes. Only 1500-2000 cases of it have been reported worldwide, most of them in Caucasian women who have had no children.
Risk Factors
Since fallopian tube cancer is so rare, there are no clear risk factors that have been defined for it. However, you may be at chance of contracting the disease if:
- You are over the age of 50.
- You have a family history of this cancer.
Symptoms
The symptoms for fallopian tube cancer are rather vague, and look similar to the symptoms of other cancers. However, take note of the following:
- Vaginal discharge that is white, clear or pinkish.
- Pain in the pelvic area.
- A pelvic mass that can be felt during a pelvic exam.
- Abnormal bleeding from the vagina.
Prevention
There is no known way to prevent fallopian tube cancer.
Treatment
Treatment for fallopian tube cancer is usually surgical, involving a complete abdominal hysterectomy, where the uterus, cervix, fallopian tubes and ovaries are removed. Sometimes, chemotherapy is prescribed as a follow-up measure to prevent recurrence of the cancer. |
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Introduction to Burn
Burns are flesh injuries caused by exposure to heat, electricity, chemicals, radiation and friction.
Types of Burns
Burns may be classified in several ways – by depth, by amount of skin area affected, by severity and by causative agent. Briefly, however, we can classify burns into four general categories:
- First Degree Burns: They affect the topmost layer of skin, the epidermis. The affected area looks red and dry, and is painful. It takes around 1 week to heal a first degree burn.
- Second Degree Burns: These go deep into the epidermis and cause more damage than first degree burns. The degree of damage can be superficial or deep, depending on how far into the skin tissue they have reached. In the case of superficial second degree burns, the affected area looks red with clear blisters, whereas for deep second degree burns, it looks red-and-white with bloody blisters. In both cases, the skin is moist and the burn is painful. It takes 2-3 weeks to heal a superficial second degree burn, but it might take longer to heal a deep second degree burn, as they sometimes turn into third degree burns.
- Third Degree Burns: This kind of burn affects all layers of the skin. It looks stiff and white-brown in colour, dry and is painless. Treatment requires cutting out the affected areas of skin and may result in scarring and even amputation.
- Fourth Degree Burns: These burns don't just affect the skin – they go right into the underlying muscle and bone. The affected areas look black, charred and dry. They are painless and treatment is the same as for third degree burns. However, fourth degree burns can sometimes result in death.
First Aid
First aid procedures for burns depend on the type of burn you're dealing with.For first degree burns and superficial second degree burns:
- Cool the burn by immersing it in cool water for some time. Don't use ice, cold water, butter, or oil to sooth the burn.
- Cover the burn with a clean gauze bandage. Don't use any cotton or other material that might get into the wound and cause an infection.
- Give the burn victim a pain-relief tablet.
- Don't break any blisters that may form, or you might cause an infection.
For deep second degree and third degree burns:
- Call an ambulance or take the victim to a hospital.
- Don't remove any burnt clothing, but make sure that the victim is not in any contact with smouldering material or sources of heat.
- Don't immerse these burns in cold water – you may cause the victim to go into hypothermia and shock.
- Check if the victim is breathing, coughing or moving. If there is no sign of breathing or circulation, perform CPR on them.
- Elevate the affected body parts, above heart level if possible.
- Cover the burnt area with a clean, moist, sterile bandage or cloth.
In addition to the above, it may be imperative for the victim to get a tetanus injection to prevent any infection arising from the wounds. |
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Introduction to Paralysis/Multitrauma
Paralysis
Paralysis refers to loss of function in the muscles in one or more areas of the body. It is often accompanied by a complete loss of feeling in the affected area. There are many causes of paralysis, the most common being damage to the nervous system, especially the spinal cord. It can also be caused by stroke, trauma with nerve injury, poliomyelitis, amyotrophic lateral sclerosis (ALS), botulism, spina bifida, multiple sclerosis, Guillain-Barré syndrome, and certain drugs like curare, which interfere with nerve function. Depending on the cause and extent of paralysis, it may or may not be curable.
Multitrauma
Multitrauma is a condition in which a person suffers from multiple injuries to various parts of the body, including organs. Sometimes, body systems are also affected, which complicates recovery. Post-recovery, the person may suffer from PTSD (Post Traumatic Stress Disorder), which is an anxiety disorder caused by any event that results in psychological, emotional and/or extreme physical trauma. |
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Introduction to Cervical Cancer
Cervical cancer is a slow-growing cancer that begins in the cells at the surface of the cervix. It is estimated that worldwide, cervical cancer is the third most common type of cancer to affect women. In India, the rate of the disease is alarmingly high – our country accounts for 79% of all the cervical cancer cases in the world.
Risk Factors
Although cervical cancer is usually caused by an HPV (Human Papilloma Virus) infection, the following factors may increase your risk of contracting this disease:
- Becoming sexually active at an early age
- Having multiple sexual partners
- Not getting regular Pap smear tests
- Having sexual partners who themselves have multiple partners or participate in high-risk sexual activities
- Being the daughter of a woman who took the drug DES (diethylstilbestrol) during pregnancy in the 1960s to prevent miscarriage
- Having a weak immune system
Symptoms
Though cervical cancer does not show symptoms often, here’s what you need to look out for:
- Abnormal vaginal bleeding between periods, after sex or after menopause
- Continuous vaginal discharge, which may be pale, watery, pink, brown, bloody or foul-smelling
- Periods becoming heavier and lasting longer
- Pain in the back, leg and/or pelvis
- Bone fractures
- Fatigue
- Leaking of urine or feces from the vagina
- Weight loss
- A single swollen leg
Prevention
Since cervical cancer is generally caused by an HPV infection, getting vaccinated against it is a must. In addition to this, there are some steps you can take to reduce your risk of getting this disease even further:
- Get a regular Pap smear test.
- Limit the number of sexual partners you have.
- Do not smoke tobacco.
- If you are sexually active, always use a condom.
- Follow up on abnormal Pap smear tests.
Treatment
Treatment for cervical cancer usually involves surgery to remove or destroy the cancer cells:
- Loop electrosurgical excision procedure (LEEP) – It uses electricity to remove cancerous tissue.
- Cryotherapy – It is used to freeze abnormal cells.
- Laser therapy – It uses light beams to burn cancerous tissue.
- Radical hysterectomy – It removes the uterus and surrounding tissues, including lymph nodes and the upper part of the vagina.
- Pelvic exteneration – It is only used in extreme cases, where all the organs of the pelvis, including the bladder and rectum, are removed.
If the cancer has spread beyond the pelvis, or has returned, radiation is applied, either internally or externally, to treat the disease. |
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Introduction to Uterine Cancer
Uterine cancer, also known as endometrial cancer, is the most common type of reproductive cancer to affect women. It starts in the endometrius (the lining of the uterus), and can be diagnosed at four stages:
- The cancer is only in the uterus.
- The cancer is in the uterus and cervix.
- The cancer has spread outside of the uterus but not beyond the pelvis.
- The cancer has spread to the inner surface of the bowel, bladder, abdomen, or other organs.
Risk Factors
Uterine cancer is shown to occur mostly in women aged 50 and above, though younger women are at risk, too. While the exact cause of uterine cancer is unknown, your oestrogen levels may play a role in triggering it. The factors that put you at increased risk of uterine cancer are:
- Diabetes
- Oestrogen replacement therapy (without the use of progesterone)
- History of polyps or other being growth on the endometrius
- Infertility
- Infrequent periods
- Tamoxifen, a drug for breast cancer treatment
- Never being pregnant
- Obesity
- Polycystic ovarian syndrome (PCOS)
- Starting menstruation at an early age (before age 12)
- Starting menopause after age 50
- High intake of animal fat
- Breast cancer
- Ovarian cancer
- Alcoholism
Symptoms
To catch uterine cancer at the earliest stage, watch out for these warning signs:
- Irregular periods
- Bleeding in-between normal periods (before menopause)
- Vaginal bleeding or spotting (after menopause)
- Extremely long, heavy or frequent periods after age 40
- Pain or cramps in the lower abdomen
- Thin, white or clear vaginal discharge after menopause
Prevention
The best way to prevent uterine cancer is to be on the constant look-out for it:
- Get a pap smear test regularly, after 3 years of becoming sexually active.
- Have regular pelvic exams – either when you become sexually active, or when you turn 21 (whichever is earlier).
- Get regular pelvic exams, pap smears and endometrial biopsies if you are taking oestrogen replacement therapy.
Treatment
Before treatment, the doctor must place the stage the cancer has spread to. Uterine cancer is diagnosed in three grades, with Grade 1 being the least aggressive and Grade 3 being the most critical. The earlier it is diagnosed, the better your chances of coming through it. Treatment options include:
- Surgery
- Radiation therapy
- Chemotherapy
- Hysterectomy, especially in Grade 1 uterine cancer.
A combination of surgery and radiation therapy is used for women who are suffering from stage 2 of the disease, or have a stage 1 that has a high chance of returning. Chemotherapy is usually applied in stages 3 and 4 of the disease. |
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Introduction to Ovarian Cancer
Ovarian cancer is the fifth most common cancer to affect women. It starts in the ovaries, and is known to cause the most reproductive cancer-related deaths in women. The overall 5-year survival rate for this disease is 35%, mainly because it is rarely diagnosed in the early stages due to lack of distinct symptoms.
Risk Factors
The cause of ovarian cancer is unknown. However, a woman is at risk if she meets the following criteria:
- Being over the age of 50.
- Never having children, or having them late in life.
- Having a family history of breast cancer and ovarian cancer.
- Taking oestrogen replacement for five years or more (without taking progesterone as well).
Symptoms
The symptoms for ovarian cancer are often vague and can be ascribed to other diseases. This often causes a delay in the diagnosis of this cancer. However, if the following symptoms are experienced for more than a few weeks, you may be at risk:
- A bloated and/or swollen belly along with fluid in the area, called ascites.
- Difficulties in eating, or feeling full quickly.
- Pain in the pelvis or lower abdomen, which may or may not be accompanied by a feeling of heaviness.
- Abnormality in the menstrual cycle.
- Digestive issues like constipation, gas, indigestion, lack of appetite, nausea and vomiting.
- Unexplained back pain.
- Abnormal bleeding from the vagina.
- Excessive hair growth, with the hair being coarse and/or dark.
- Sudden urges to urinate, along with increased frequency of urination.
Prevention
There are currently no known ways to prevent ovarian cancer. Though removing the ovaries in women with mutation in the BRCA1 and BRCA2 genes may reduce the risk of this disease, it can still develop in other areas of the pelvis.
Treatment
Ovarian cancer is usually treated via surgery, especially in the earlier stages. Sometimes, chemotherapy is used after the surgery to prevent recurrence of the disease. |
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Calculate Health Insurance Premium
Your Premium is:
*Service Tax Extra
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Women Specific Critical Illness Insurance
A plan that covers you against 8 women specific critical illnesses like Breast Cancer, Vaginal Cancer, etc.
Learn More
All our representatives are women and have been trained to answer your queries. They will consult a resident female doctor in case your queries are not resolved.
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Learn More
Critical Illness Cover for Women
This is a women-specific Critical Illness Insurance scheme that provides you protection against the risk of 8 critical illnesses.It gives you the security of knowing that a guaranteed cash sum will be paid in case you are diagnosed with a life-threatening illness.
Click each illness below to learn more about it
This Is Not Mediclaim
Unlike a hospitalization or mediclaim cover, under a critical illness cover the insurer makes a lump sum cash payment on diagnosis of any of the critical illnesses listed in the insurance policy. You do not have to get hospitalized or show medical bills to claim under this policy. The claim is payable the moment any critical illness is diagnosed and none of the exclusions under the policy apply.
Note: Please read the exclusions section carefully.
What They are Saying?
I didn't even know that a critical illness cover for women specific illnesses was available in the market. Bought this immediately. Makes sense!
Abhilasha, 23 years, Pune
I am a part of the Bajaj Allianz team and I have bought this policy for myself. Considering the stress in our everyday lives and our lifestyle, I seriously recommend this policy to every girl my age.
Aditi, 25 years, Pune
That's not all
Additional Benefits
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- Congenital Disability Benefit (50% of Sum insured)
An amount equal to 50% of the sum assured will be payable under the plan on the birth of the
child with any one or more of the Congenital Disabilities listed below and the child survives 30
days from the date of diagnosis. This benefit will be available for first two children only and will
not be available if the birth of the child occurs after the proposer attains the age of 40 years.
List Of the Congenital diseases /defects
- Down's syndrome:
- Congenital cyanotic heart disease:
- Tracheo-esophageal fistula:
- Cleft Palate with or without cleft lip:
- Spina bifida:
- Oblique eye fissures with skin folds on the inner corner of the eyes
- muscle hypo-tonia (poor muscle tone)
- a single palmar fold
- a protruding tongue (due to small oral cavity, and an enlarged tongue near the tonsils)
- Most individuals with Down syndrome have mental retardation in the mild to moderate range
- In addition, individuals with Down syndrome can have serious abnormalities affecting any body system. They also may have a broad head and a very round face
Congenital cyanotic heart disease:
- A hole between the two bottom chambers (ventricles) of the heart Ventricular septal Defect.
- A narrowing of the right ventricular outflow tract and can occur at the pulmonary valve (valvular stenosis).
- An aortic valve with biventricular connection, that is, it is situated above the ventricular septal defect and connected to both the right and the left ventricle.
- The right ventricular wall increases in size causing a characteristic boot-shaped (coeur-en-sabot) appearance as seen by chest X-ray.
- It is the most common cyanotic heart defect, representing 55-70%, and the most common cause of blue baby syndrome
Tracheo-esophageal fistula
- An abnormal connection (fistula) between the esophagus (food pipe) and the trachea (wind pipe).
- Tracheoesophageal fistula is suggested in a newborn by copious salivation associated with choking, coughing, and cyanosis coincident with the onset of feeding.
- Once diagnosed, prompt surgery is required to allow the baby to take in food.
Cleft Palate
- Cleft palate is a condition in which the two plates of the skull that form the hard palate (roof of the mouth) are not completely joined.
- The hole in the roof of the mouth caused by a cleft connects the mouth directly to the nasal cavity.
- A cleft lip or palate can be successfully treated with surgery soon after birth.
Spina Bifida
- "split spine" is a developmental birth defect involving the incomplete closure of the neural tube in developmental stage which results in an incompletely formed spinal cord.
- The most common location of the malformations is the lumbar and sacral areas of the spinal cord.
- Myelomeningocele is the most significant form and it is this that leads to disability in most affected individuals.
- Spina bifida can be surgically closed after birth, but nerve damage is permanent and this does not restore normal function to the affected part of the spinal cord.
- Children Education Bonus
In the event of a Claim being admissible under Section I (Critical Illness) the policy will pay Children's Education Bonus for future education of the children (one or more). The amount payable under this section would be restricted to Rs 25000/- for one or more child put together.
- Loss of Job:
In the event of the insured person losing her job within a period of 3 months of the date of diagnosis of any of the Critical Illness as covered in the policy, the policy will pay an amount of Rs 25000/- towards loss of employment. For a claim to be admissible under this section the claim under Section. I should be admissible.
- Specific Exclusions for loss of Job:
Loss of Job due to voluntary resignation from service is excluded.
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It's less expensive than you think
How Much Does it Cost?
* The details furnished above do not constitute the entire terms and conditions, Please refer the policy wordings for definitions, exclusions, terms and conditions.
Premium Table:
| SUM INSURED |
Upto 25 Yrs |
26-35 |
36-40 |
41-45 |
46-50 |
51-55 |
| 50000 |
250 |
375 |
688 |
1000 |
1500 |
2188 |
| 100000 |
375 |
563 |
1031 |
1500 |
2250 |
3281 |
| 150000 |
500 |
750 |
1375 |
2000 |
3000 |
4375 |
| 200000 |
625 |
938 |
1719 |
2500 |
3750 |
5469 |
Service Tax Extra
*Additional Inbuilt Benefits:
Children Education Bonus - Rs 25000/- payable if the claim is paid under
Critical Illness Section
Loss of Job - Rs 25000/- payable if the claim is admissible under Critical Illness
section
* Subject to terms & conditions as specified under the policy
Medical Tests Required
| SUM INSURED |
21-25yr |
26-35 |
36-40 |
41-45 |
46-50 |
51-55 |
| 50000 |
nil |
nil |
nil |
nil |
nil |
nil |
| 100000 |
nil |
nil |
nil |
nil |
FMR,USG |
FMR,USG |
| 150000 |
nil |
nil |
nil |
FMR,USG |
FMR,USG,PAP |
FMR,USG,PAP |
| 200000 |
nil |
nil |
nil |
FMR,USG |
FMR,USG,PAP |
FMR,USG,PAP |
Tests:
FMR: Full Medical Report as per Bajaj Allianz Format
USG: Ultrasonography of Abdomen and Pelvis
PAP: PAP Smear Test
Note: We regret that expecting mothers cannot purchase this policy at this time. However, this policy can be bought three months post delivery.
Medicals are to be done by the customer. Bajaj Allianz can also arrange medical test with our network clinics but the cost will have to be borne by the customer.
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No Fine-print
What is not Covered Explained in Broad-print
The full range of benefits available and the exclusions that apply under the policy is detailed in the policy document. A copy of the policy wording is available on request, and will be sent to you upon the acceptance of your proposal. If you have any questions, please
contact us or your insurance advisor.
Not Sure?
Call us now at 020-66495000 and we will explain all the medical terms to you in plain and simple language. All our representatives are women. They will consult a resident female doctor in case your queries are not resolved.
Exclusions
Despite the extensive coverage offered by this policy, there are a few exclusions that you need to know about. We suggest you read this section carefully before making your purchase decision. If you have any queries, please call us at: 020-66495000. Our female representatives will help you understand the terminologies better. Our team of female doctors will answer any in-depth queries you may have.
Exclusions for Breast Cancer
- Tumours that are histologically (the study of the structure of cells and tissues) described as pre-malignant (A precancerous condition) and Ductal /Lobular carcinoma in situ (location) of the breast.
- Breast Lumps e.g. fibro adenoma, fibrocystic diseases of breast etc.
- All hyperkeratoses or basal cells carcinomas, melanomas, squamous cell carcinoma, Kaposi’s sarcoma and other tumors associated with HIV infections or AIDS of the skin
Learn more about the technical terms listed above
- Ductal carcinoma in situ (DCIS), or inter-aductal carcinoma, is breast cancer in the lining of the milk ducts that has not yet invaded nearby tissues. It may progress to invasive cancer if untreated.
- Lobular carcinoma in situ (LCIS) is a marker for an increased risk of invasive cancer in the same or both breasts.
- Fibro adenoma, fibrocystic diseases of breast - Fibrocystic changes (formerly called fibrocystic breast disease) include breast pain, cysts, and lumpiness that are not due to cancer.
- Hyperkeratoses or basal cells carcinomas, melanomas, squamous cell carcinoma, Kaposi’s sarcoma are types of Skin Cancers and not breast cancers.
More information on these medical conditions can be found here: http://en.wikipedia.org/wiki/Lobular_carcinoma_in_situ
Exclusions for Fallopian Tube Cancer:
- Carcinoma in situ
- Dysplasia
- Inflammatory masses
- Hydatidiform mole
- Trophoblastic tumours
Learn more about the technical terms listed above:
- Carcinoma in situ – Stage 0 – cancer limited to the inner lining of the Fallopian Tube.
- Dysplasia is a term used for abnormality of development. This generally consists of an expansion of immature cells, with a corresponding decrease in the number and location of mature cells.
- Trophoblastic tumours appear when cells in the womb start to grow out of control. Cells grow in the tissues that are formed following conception (the joining of sperm and egg). Gestational trophoblastic tumors (GTD) start inside the uterus, the hollow, muscular, pear-shaped organ where a baby grows. This type of cancer occurs in women during the years when they are able to have children
- Hydatidiform molem, is a rare mass or growth that forms inside the uterus at the beginning of a pregnancy. It is a type of gestational trophoblastic disease (GTD) pregnancy-related tumours. For more information read: http://en.wikipedia.org/wiki/Gestational_trophoblastic_disease
Exclusions for Cervical Cancer:
- Tumours showing the malignant changes of carcinoma in situ (early form of cancer that is defined by the absence of invasion of tumor cells into the surrounding tissue, usually before penetration through the basement membrane)(including cervical dysplasia CIN-1, CIN-2, and CIN- 3)
- Squamous Intraepithelial Lesion (SIL)
- Fibroid, endometriosis, cystic lesions, Hyperplasia of any type presenting as tumors
- Hydatidiform mole, trophoblastic tumours
Learn more about the technical terms listed above
Various stages of the cancer:
- Mildly abnormal (CIN I) –observation preferred
- More abnormal (CIN II) – treatment required
- Precancer stage(CIN III) – treatment required
- Cancer –Gynecologic oncology consultation
- Squamous Intraepithelial Lesion, refers to abnormal growth of epithelial (Epithelial tissues line the cavities and surfaces of structures throughout the body, and also form many glands)cells on the surface of the cervix, commonly called squamous cells. This condition can lead to cervical cancer, but can be diagnosed using a Pap smear test (a screening test used to detect pre-cancerous and cancerous processes in the endocervical canal (transformation zone) of the female reproductive system.)
- Endometriosis is a common health problem in women. Endometriosis occurs when this tissue grows outside of the uterus on other organs or structures in the body like Ovaries, Fallopian tubes, Tissues that hold the uterus in place, Outer surface of the uterus and lining of the pelvic cavity.
- Hydatidiform molem, is a rare mass or growth that forms inside the uterus at the beginning of a pregnancy. It is a type of gestational trophoblastic disease (GTD) pregnancy-related tumours. For more information read http://en.wikipedia.org/wiki/Gestational_trophoblastic_disease
- Trophoblastic tumours, appear when cells in the womb start to grow out of control. Cells grow in the tissues that are formed following conception (the joining of sperm and egg). Gestational trophoblastic tumors (GTD) start inside the uterus, the hollow, muscular, pear-shaped organ where a baby grows. This type of cancer occurs in women during the years when they are able to have children
Exclusions for Ovarian Cancer:
- Non cancerous (benign) ovarian masses including abscesses or infections, fibroids, cysts, polycystic ovaries, endometriosis - related masses (s a gynecological medical condition in which cells from the lining of the uterus (endometrium) appear and flourish outside the uterine cavity, most commonly on the ovaries)
- Hydatidiform molem, is a rare mass or growth that forms inside the uterus at the beginning of a pregnancy. It is a type of gestational trophoblastic disease (GTD) pregnancy-related tumours. For more information read http://en.wikipedia.org/wiki/Gestational_trophoblastic_disease
- Trophoblastic tumours, appear when cells in the womb start to grow out of control. Cells grow in the tissues that are formed following conception (the joining of sperm and egg). Gestational trophoblastic tumors (GTD) start inside the uterus, the hollow, muscular, pear-shaped organ where a baby grows. This type of cancer occurs in women during the years when they are able to have children
Exclusions for Vaginal Cancer:
- Vulval (External reproductive organ) cancers/tumors
- Vaginal /Vulval granulomatous (Ulcerative) diseases
Exclusions for Congenital Diseases:
- This benefit will be available for the first two children only.
- It will not be available if the birth of the child occurs after the proposer attains the age of 40 years.
Other Exclusions:
- Any critical illness for which care, treatment, or advice was recommended by or received from a physician, or which first manifested itself or was contracted before the start of the policy period, or for which a claim has or could have been made under any earlier policy.
- Any Critical illness diagnosed within the first 90 days of the date of commencement of the Policy is excluded.
- Death with in 30 days following the diagnosis of the critical illness.
- Treatment arising form or traceable to pregnancy or childbirth, including caesarean section and birth defects.
- War, invasion, act of foreign enemy, terrorism, hostilities (whether war be declared or not), civil war, rebellion, revolution.
- Radioactive contamination
- Intentional self-injury and/ or the use or misuse of intoxicating drugs and/ or alcohol.
- Intentional losses of any kind, be they by way of loss of profit, loss of opportunity, loss of gain, business interruption etc.
Exclusion for Burns:
Radiation induced burns are specifically excluded.
Exclusion for Multitrauma:
Fracture at single site on the body, Injuries involving fractures of small bones of hand, feet, ribs even if multiple are excluded. These exclusions are applicable to any type of fracture such as open or closed, displaced or undisplaced, simple or compound types.
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