"Pre-Existing illness" shall mean any medical conditions, which have been diagnosed or have required medical treatment prior to the commencement date of this insurance irrespective of whether treatment was actually received.

Any pre-existing illness which has been declared for which an exclusion has not been issued will be covered beginning with the 13th month after original inception.

SPECIFIC ILLNESSES are not covered during the first twelve (12) months of this policy.  SPECIFIC ILLNESSES means the following disabilities and its related complications, occurring within the first twelve (12) months of this policy, irrespective of whether the insured person was aware of the disability or not:

• Stones in the Urinary and Biliary systems and cholecystitis

• Hypertension (High Blood Pressure) and Diabetes Mellitus

• Cardiovascular (Heart) diseases and Varicose Veins

• Cataracts and Pterygium

• All tumours, cancers, cysts, nodules, polyps, growth and lumps of any kind

• All ears, nose (including sinuses) and throat conditions requiring surgery

• Hernias, Hemorrhoids, Fistulae, Hydrocele, Varicocele

• Vertebro-spinal disorders (including disc) and knee conditions; not accompanied by fractures but requiring surgery

• Systemic Lupus Erythematosus / Discoid Lupus Erythematosus; Epilepsy, Gastritis, and Peptic Ulcer and erosion

• Endometriosis, Adenomyosis, Prolapsed Uterus and Uterine conditions requiring hysterectomy

• Prostate conditions requiring surgery