RL-CI4-CERT2-20-IN 7 D12969 (11/25) Cancer means the diagnosis of a group of diseases characterized by the uncontrolled growth and/or spread of abnormal cells. Cancer is limited to malignancies of solid tissue, blood or lymph tissue and includes leukemia, lymphoma and Hodgkin’s disease. The diagnosis of Cancer must be established according to the criteria of the American Board of Pathology or the American Joint Committee on Cancer. This requires looking at the suspect tumor, tissue or specimen at the microscopic level such that malignancy may be determined. A clinical diagnosis of Cancer will be accepted as evidence that Cancer exists when a pathological diagnosis cannot be made because it is medically inappropriate or life-threatening. For the purposes of the Policy, the following are not considered Cancer:  Basal cell carcinoma and squamous cell carcinoma of the skin;  Carcinoma in Situ;  Melanoma that is diagnosed as Breslow’s classification less than 0.75mm;  Pre-malignant conditions or polyps; and  Any other histologically benign or nonmalignant condition. Carcinoma in Situ (CIS) means the diagnosis of tumor cells tending toward malignancy but that do not invade the underlying tissue (i.e. malignant cells confined to the epithelium without penetration of the basement membrane). This diagnosis must be confirmed by a study of the suspect tissue in a pathologic specimen that meets the American Joint Committee on Cancer or the American Board of Pathology criteria. For purposes of the Policy, the following are not considered Carcinoma in Situ:  Basal cell carcinoma and squamous cell carcinoma of the skin;  Melanoma that is diagnosed as Breslow’s classification less than 0.75mm; and  Pre-malignant conditions or conditions with malignant potential. Certificate means this document, which describes the benefits and rights of Insured Persons under the Policy. It may include riders or endorsements. Coma means the diagnosis of a continuous state of profound unconsciousness, characterized by having a Glasgow scale of 3; defined as the absence of:  Eye opening;  Verbal response; and  Motor response. The condition must require intubation for respiratory assistance and must not be medically induced. You must be in a continuous state of profound unconsciousness for 14 consecutive days or longer. In the event you die while you are in a Coma and confined to a Hospital, this time period will be considered to have been met regardless of the actual number of days in a continuous state of profound unconsciousness. “Confined to a Hospital” means that on the advice of a Doctor, you are assigned to a bed as a resident inpatient in a Hospital. There must be a charge for room and board, other than in any government, military or veterans’ facility for which there is no charge for room and board. Coronary Angioplasty means a diagnosis of significant coronary artery disease which is causing symptoms and for which a cardiologist advises a procedure, done through the blood vessels, to open a blocked coronary artery and/or remove a blood clot. This includes coronary balloon angioplasty, angiojet clot removal, and rotational and orbital atherectomy procedures. Coronary Artery Bypass means the diagnosis of severe left main or multi-vessel coronary artery disease (such as a SYNTAX score >23) for which an open heart coronary artery bypass surgery – a surgical procedure that requires an incision through the chest and an incision in the heart and/or attached blood vessels – has been advised.