Definite diagnosis of a focal autonomous new growth of carcinomatous cells which has not yet resulted in the invasion of normal tissues. "Invasion" means an infiltration beyond the epithelial basement membrane.
The diagnosis of carcinoma in situ must be supported by a histolopathological biopsy report and made by a specialist.
Exclusions
- No benefit will be payable under the definition of "carcinoma in situ" for:
- basal cell carcinoma, squamous cell or any intra-epidermal carcinomas of the skin;
- stage TaN0M0 papillary urothelial carcinoma of the bladder;
- cervical lesions, if detected by Pap smear test and characterised by the presence of Cervical Intraepithelial Neoplasia (CIN) which reports CIN I, CIN II, or CIN III;
- all tumours which are histologically described as benign, pre-malignant, borderline malignant, low malignant potential; all grades of dysplasia, all grades of squamous intraepithelial lesions (HSIL and LSIL), and all grades of intra-epithelial neoplasia and all grades of intra-epithelial neoplasia unless it is specifically classified as Tis or carcinoma in situ as per AJCC classification.
For the purposes of this exclusion, the terms "Tis and carcinoma in situ as per AJCC classification" are to be applied as defined in the American Joint Committee on Cancer (AJCC) cancer staging manual, 7th Edition, 2010.
- No benefit will be payable under the definition of "carcinoma in situ" if:
Within the first
90 days following the later of, the effective date of this coverage, or the date of last reinstatement of this coverage, the insured person has any of the following:
- signs, symptoms or investigations, that lead to a diagnosis of cancer (covered or excluded under this coverage), regardless of when the diagnosis is made; or
- a diagnosis of cancer (covered or excluded under this coverage).
Obligation to inform the Company
Medical information about the diagnosis and any signs, symptoms or investigations leading to the diagnosis must be reported to the Company within 6 months of the date of the diagnosis.
If this information is not provided within this period, the Company has the right to deny any claim for cancer or any covered condition caused by any cancer or its treatment.
