7. COVERED CONDITIONS by a Specialist Physician supported by abnormal brain imaging (MRI or equivalent) while your Dependent Child is under the age of 5 and insured under the Policy. Exclusions: No benefit will be payable for the following: · Autism-as primary Diagnosis; and · motor deficits due to an underlying medical condition (syndrome, genetic or hereditary condition). Cleft Lip/Palate means that your covered Dependent Child under the age of 18 has been initially Diagnosed with either a cleft lip or a cleft palate. A Cleft Lip means a congenital failure of the upper lip to close and results in a narrow gap in the upper lip that extends to the nostril on one side or both sides of the mouth. A Cleft Palate means a congenital failure to close an opening in the roof of the mouth that extends to the nasal cavity. When a combination of Cleft Lip and Cleft Palate is Diagnosed, only one Diagnosis is eligible for benefits. The Diagnosis of Cleft Lip/Palate must be made by a Specialist Physician. In order for a benefit to be paid, the initial Diagnosis of Cleft Lip/Palate must occur while insured under the Policy. Complex Congenital Heart Disease means your covered Dependent Child under the age of 18 has been initially Diagnosed with at least one of the following covered heart conditions: · coarctation of the aorta; · Ebstein's anomaly; · Eisenmenger syndrome; · Tetralogy of Fallot; · transposition of the great vessels; or · any other congenital cardiac condition that requires open heart surgery. The Diagnosis of Complex Congenital Heart Disease must be made and the surgery must be recommended by a Specialist Physician. In order for a benefit to be paid, the initial Diagnosis of Complex Congenital Heart Disease must occur while insured under the Policy. Cystic Fibrosis means evidence of a lung disease that your covered Dependent Child under the age of 18 has been initially Diagnosed with by a Specialist Physician while insured under the Policy. The Diagnosis must be confirmed with sweat chloride tests and genetic testing. Exclusions: Cystic Fibrosis does not include the following: · asymptomatic; · clinical features limited to CABVD (congenital absence of vasdeferens); or · gastrointestinal issues. The Diagnosis of Cystic Fibrosis must be made by a Specialist Physician. In order for a benefit to be paid, the initial Diagnosis of Cystic Fibrosis must occur while insured under the Policy. Type 1 Diabetes Mellitus means that your covered Dependent Child under the age of 18 has been initially Diagnosed with a chronic autoimmune, genetic or infectious destruction of the insulin producing cells in the pancreas and that requires continuous, lifelong insulin therapy. The Diagnosis of Type 1 Diabetes Mellitus must be made by a Specialist Physician. In order for a benefit to be paid, the initial Diagnosis of Type 1 Diabetes Mellitus must occur while insured under the Policy. Down Syndrome means that your covered Dependent Child under the age of 18 has been initially Diagnosed with Down Syndrome by a Specialist Physician. In order for a benefit to be paid, the initial Diagnosis of Down Syndrome must occur while insured under the Policy. 16-SD-C-01 Page25