7. COVERED CONDITIONS Benefits for Complete Blindness are not payable if the condition is a consequence of another condition for which another Critical Illness benefit has been paid. The Diagnosis of Complete Blindness must be made by a Specialist Physician. Coma means a Diagnosis, while insured under the Policy, of a state of unconsciousness with no reaction to external stimuli and which requires an external life support system, both of which have persisted continuously for at least 168 hours. The Diagnosis of Coma must be made by a Specialist Physician. Exclusions: Coma does not include medically induced coma. Complete Loss of Hearing means, that while insured under the Policy, the Insured has been initially Diagnosed with a condition that results in the total and irreversible loss of hearing in both ears to a point that an Insured is unable to hear sounds at or below 70 decibels. The Diagnosis must be confirmed using audiometric testing. Complete Loss of Hearing does not include loss of hearing that can be corrected to above 70 decibels by the use of any hearing aid or device. Benefits for Complete Loss of Hearing are not payable if the condition is a consequence of another condition for which another Critical Illness benefit has been paid. The Diagnosis of Complete Loss of Hearing must be made by a Specialist Physician. In order for a benefit to be paid, the initial Diagnosis of Complete Loss of Hearing must occur while insured under the Policy. Loss of Speech means, that while insured under the Policy, the Insured is initially Diagnosed with total, permanent and irreversible loss of the ability to speak. The loss must: · be as a result of Injury or sickness affecting the speech organs; and · have continued without interruption for a period of at least six (6) consecutive months. Loss of Speech does not include any loss that could be restored, totally or partially, by use of a device or implant. Benefits for Loss of Speech are not payable if the condition is a consequence of another condition for which another Critical Illness benefit has been paid. The Diagnosis of Loss of Speech must be made by a Specialist Physician. In order for a benefit to be paid, the initial Diagnosis of Loss of Speech must occur while insured under the Policy. Paralysis means, that while insured under the Policy, the Insured has been Diagnosed with total and irreversible loss of use of two or more limbs due to Injury of the spinal cord and that is continuously present for a period of at least 180 days. Limb is defined as the complete arm or the complete leg. The Diagnosis of Paralysis must be made by a Specialist Physician and shall not include any impairment caused by a Stroke or other sickness. Severe Burns means, that while insured under the Policy, the Insured is initially Diagnosed with third- degree burns over at least 18% of the body surface. Severe Burns must occur while the Insured’s insurance is in force to be eligible for a benefit. The Diagnosis of Severe Burns must be made by a Specialist Physician. CHILDHOOD CONDITIONS CATEGORY The following covered childhood conditions apply only to children who meet the definition of Dependent Children and are insured under this Certificate: Cerebral Palsy means a Diagnosis of nonprogressive, neurological defect affecting muscle control resulting from an Injury to or congenital abnormality. The initial Diagnosis of Cerebral Palsy must be made 16-SD-C-01 Page24