ILLNESSES PROTECTION

SYSTEMIC LUPUS ERYTHEMATOSUS (SLE) WITH LUPUS NEPHRITIS

Amount Payable:

100% of Sum Assured (Max. RM500,000)

In respect of this contract, SLE will be restricted to those forms of systemic lupus erythematosus, which involves the kidneys (Type III to Type V Lupus Nephritis, established by renal biopsy). Other forms, discoid lupus, and those forms with only haematological and joint involvement will specifically be excluded.

WHO Lupus Classification:-

1. Class I (minimal change) - negative, normal urine
2. Class II (mesangial) - moderate proteinuria, active sediment
3. Class III (focal segmental) - proteinuria, active sediment
4. Class IV (diffuse) - acute nephritis with active sediment and/or nephrotic syndrome
5. Class V (membranous) - nephrotic syndrome or severe proteinuria

A waiting period of one hundred and eighty (180) days is applicable to this benefit.