Mortgage Protection booklet - Irish Life

Insertion of 2 stents in different arteries at different times (e.g. on
different days several years apart) does qualify for payment, after the
second artery has been stented.
2 stents to one artery, or branches of the same artery, does not qualify.
In simpler terms:
Arteries can become blocked with fatty deposits, like the ‘furring up’ of
a kettle. If the blockages are in the coronary arteries close to the heart,
this causes extra strain on the heart, which then may lead to more serious
heart disease. We will require a copy of the angiogram reports showing
at least 70% stenosis in the coronary arteries.
Balloon angioplasty involves a surgeon passing a fine balloon catheter
(a flexible plastic tube) down one of the arteries to the heart (a coronary
artery). When the balloon reaches the place where the artery has
narrowed, it is inflated to force the walls of the artery apart.
‘Atherectomy’ and ‘laser treatment’ are also techniques which involve
passing a catheter into the blocked artery.
If you have balloon angioplasty, atherectomy or laser treatment, you
can claim if the treatment is to correct a 70% narrowing of at least two
coronary arteries. We do not cover such treatment where only one artery
is involved.
Treatment by balloon angioplasty, atherectomy or laser treatment,
in 2 different arteries on two separate occasions, to treat narrowing
or blockages of at least 70%, qualifies for payment after the second
procedure has been carried out.
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F. Ductal Carcinoma in Situ – Breast, treated
by surgery
Plan definition:
We will make a limited payment for specified illness cover if a life assured
has a definite diagnosis of a ductal carcinoma in situ of the breast,
which has been removed surgically by mastectomy, partial mastectomy,
segmentectomy or lumpectomy. A carcinoma in situ is a malignancy
that has not invaded the basement membrane but shows cytologic
characteristics of cancer. Histological evidence will be required.
In simpler terms:
Carcinoma in situ is an early form of carcinoma that involves only the
cells in which it began and has not spread to other tissues. The term
‘ductal’ refers to the ducts in the milk glands in the breast.
You can claim if you are diagnosed as having a ductal carcinoma in situ of
the breast which is removed surgically.
No benefit is payable under this benefit for any other breast disorder.
G. Loss of one limb
Plan definition:
We will make a limited payment under specified illness cover if a life
assured permanently loses a hand from above the wrist or a foot from