CHILDHOOD CRITICAL ILLNESSES: (Applicable to Insured Dependent children only) "Cerebral Palsy" means a group of disorders affecting development of movement, muscle tone and posture causing activity limitation, attributed to an insult to the immature, developing brain, most often before birth. Diagnosis must be supported by abnormal brain imaging (CT, MRI or equivalent) while the Insured Dependent Child is under age five. No benefit will be payable for motor deficits due to an underlying medical condition (syndrome, genetic or hereditary condition). "Cleft Lip" is a narrow opening or gap in the skin of the upper lip that extends all the way to the base of the nose, including unilateral clefting and bilateral clefting. "Cleft Palate" is an opening between the roof of the mouth and the nasal cavity. If Cleft Lip and Cleft Palate are both present, only one benefit is payable. "Cystic Fibrosis" means an inherited, life-threatening disorder that affects the cells that produce mucus, sweat and digestive juices that causes severe damage to the lungs and digestive system. The Diagnosis must be based on a sweat test with results of chloride concentrations greater than 60 mmol/L. "Down Syndrome" means an extra full or partial copy of chromosome 21. "Muscular Dystrophy" means a group of genetic diseases characterized by progressive weakness and degeneration of the skeletal or voluntary muscles that control movement. Diagnosis must be based on one of the following testing methods: (1) electromyography/nerve conduction velocity; or (2) muscle biopsy; or (3) blood enzyme tests. "Spina Bifida" means a congenital condition of meningocele or myelomeningocele. A Diagnosis of Spina Bifida must be supported by: (1) CT or MRI scan; and (2) physical exam. Spina Bifida does not include Spina Bifida occulta. "Type 1 Diabetes" means diabetes which results from auto-immune destruction of insulin-producing cells in the pancreas. Diagnosis must be based on blood tests and confirmed presence of GAD antibodies which cause an autoimmune reaction to beta cells. CONCURRENT DIAGNOSIS OF MORE THAN ONE CRITICAL ILLNESS: If the Insured can qualify for benefits for more than one Critical Illness at the same time, (within the Recurrence or Subsequent Occurrence separation period), we will only pay for one Critical Illness with the highest benefit. RECURRENCE(S) OF A CRITICAL ILLNESS: Once an Insured has been Diagnosed with a Critical Illness and a Critical Illness Benefit has become payable, a benefit will be payable for a Recurrence of the same Critical Illness, provided the Recurrence is Diagnosed at least twelve (12) months after the previous Critical Illness was Diagnosed. The benefit payable for a Recurrence will be as shown on the Schedule of Benefits. SUBSEQUENT OCCURRENCE(S) OF A CRITICAL ILLNESS: Once an Insured has been Diagnosed with a Critical Illness and a Critical Illness Benefit has become payable, benefits will be payable for subsequent and unrelated Critical Illnesses if the Critical Illness is Diagnosed at least three (3) months after the previous Critical Illness was Diagnosed. The benefit payable for Subsequent Occurrence(s) will be as shown on the Schedule of Benefits. DEATH OF THE INSURED: If an Insured is Diagnosed with a Critical Illness and is eligible for a benefit but dies before a LRS-9538-8-0118 Page 8.4