7. COVERED CONDITIONS Exclusions: No benefit will be payable for the following: · lesions described as benign, pre-malignant, uncertain, borderline, non-invasive, carcinoma in-situ (Tis), or tumors classified as Ta; · malignant melanoma skin cancer that is less than or equal to 1.0 mm in thickness, unless it is ulcerated or is accompanied by lymph node or distant metastasis; · any non-melanoma skin cancer, without lymph node or distant metastasis; · early prostate cancer classified as T1a or T1b (or equivalent staging) without lymph node or distant metastasis; or · thyroid cancer less than or equal to 1.0 cm in greatest diameter and classified as T1, without lymph node or distant metastasis. No benefit will be payable under this provision for the cancers listed in the Non-Invasive Cancer provision below. No benefit will be payable for a recurrence or metastasis of an original cancer which was Diagnosed prior to the effective date of insurance. Non-Invasive Cancer means, that while insured under the Policy, the Insured has been Diagnosed with a cancer wherein the tumor cells still lie within the tissue of origin without having invaded 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. Non-Invasive Cancer includes, but is not limited to: · chronic lymphocytic leukemia that has not progressed beyond Rai stage 0; · Stage 1A (T1a) malignant melanoma (melanoma less than or equal to 1.0 mm in thickness, not ulcerated and without Clark level IV or level V invasion); · early prostate cancer Diagnosed as T1a or T1b, or equivalent staging without lymph node or distant metastasis; · thyroid cancer (less than or equal to 1 cm in diameter) and confined to the thyroid and classified as T1a, without lymph node or distant metastasis; and · ductal carcinoma in situ (DCIS) of the breast. Exclusions: Non-Invasive Cancer does not include any of the following: · pre-malignant lesions (such as intraepithelial neoplasia); · Benign tumors or polyps; · other skin cancer, such as squamous cell or basal cell cancer; or · Invasive Cancer. No benefit will be payable for a recurrence or metastasis of an original Non-Invasive Cancer which was Diagnosed prior to the effective date of insurance. Skin Cancer means, that while insured under the Policy, the Insured has been Diagnosed with basal cell cancer or squamous cell cancer of the skin. OTHER CONDITIONS CATEGORY Advanced Alzheimer’s Disease means, that while insured under the Policy, an Insured has: 16-SD-C-01 Page22