7. COVERED CONDITIONS · the chronic and irreversible failure of both kidneys to function and which requires regular dialysis for a minimum of 90 days; or · the need for a kidney transplant. The Diagnosis of End-Stage Kidney Disease must be made by a Specialist Physician. In the event a kidney is transplanted at the same time as other organs, only one benefit is payable. Occupational Infectious Disease means, that while insured under the Policy, the Insured is Diagnosed with Human Immunodeficiency Virus (HIV) infection or Hepatitis B, C and/or D resulting from accidental exposure to HIV or Hepatitis B, C and/or D by contaminated body fluids during the course of performing the Insured’s regular occupation for which remuneration is earned. To prove occupational exposure, all of the following must be submitted: · documentation showing that within five days of the accidental exposure, the exposure was reported and recorded by the appropriate person according to legislation, regulations or standard guidelines that apply to the occupation; · a negative antibody for HIV or Hepatitis B, C and/or D test, performed by a state certified and licensed laboratory within five days of exposure; and · a positive antibody for HIV or Hepatitis B, C and/or D test, taken in the 90 to 180 days following the exposure. Occupational Infectious Disease does not include HIV or Hepatitis B, C and/or D that occurs as a result of IV drug use, sexual transmission or is determined not to be accidental. The Diagnosis of Occupational Infectious Disease must be made by a Specialist Physician. In order for a benefit to be paid, the initial Diagnosis of Occupational Infectious Disease must occur while insured under the Policy. Coronary Artery Bypass Graft means, that while insured under the Policy, an Insured has been Diagnosed with Coronary Artery Disease requiring a procedure to bypass one or more diseased, narrowed or blocked coronary arteries with arterial or venous grafts and is performed by a board certified cardiovascular surgeon. Exclusions: No benefit will be payable for diseases requiring other procedures such as percutaneous transluminal coronary angioplasty (PTCA) or laser procedures. Angioplasty means, that while insured under the Policy, the Insured has been Diagnosed with Coronary Artery Disease requiring a procedure to correct the narrowing or blockage of one or more coronary arteries by balloon. Angioplasty does not include a laser based intra-arterial procedure. CANCER CONDITIONS CATEGORY Invasive Cancer means, that while insured under the Policy, the Insured has been Diagnosed with a malignant neoplasm, which is characterized by the uncontrolled growth and spread of malignant cells and the invasion of neighboring tissue. The Diagnosis must be: · made by a Specialist Physician; and · supported by pathological confirmation or its equivalent. A Clinical Diagnosis will be accepted only if a pathological confirmation of the Diagnosis cannot be made because it is medically inappropriate or life threatening. 16-SD-C-01 Page21