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State Life Ins.
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Sinf e Ahan

OBJECTIVE:

This product intends to provide financial protection to women against the diagnosis of cancer at a very affordable cost.

Scope of Cover

The following cancers are covered under this product:

  • Leukemia, malignant lymphoma including cutaneous lymphoma, hodgkin’s disease, malignant bone marrow disorders and sarcoma.

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Benefit Structure:

100% of Sum Assured is payable on diagnosis of the cancer verified by provision of the histopathological report.

Coverage Period:

Policy will be issued for a period of one year which may be renewed at the end of the policy year. Premium rates subject to review by State Life each year

Who Can Be Covered?

All Pakistani females aged 18-64 will be eligible for this product.

Initial Waiting Period:

In the first policy year, coverage would commence after 90 days from the day a complete application is received by State Life along with the Full Premium. In case the policy is renewed in continuation of the coverage with State Life, the waiting period will be waived from the next year.

State Life Plans and Features


An individual female can choose from any of the following plans according to her needs:

Plan Name Benefit Amount (Rs.)
SACP-1 200,000/-
SACP-2 300,000/-
SACP-3 500,000/-
SACP-4 1,000,000/-
SACP-5 1,500,000/-

Cancer

The diagnosis of a malignant tumor characterized by the uncontrolled growth and spread of malignant cells with invasion of normal tissue. The diagnosis of cancer must be verified by provision of the histopathological report. Cancer includes: leukaemia, malignant lymphoma including cutaneous lymphoma, Hodgkin's disease, malignant bone marrow disorders, and sarcoma. The following are excluded:

  • "Carcinoma in situ" or "cancer in situ", dysplasia, and all pre-malignant conditions.
  • Prostate cancer unless having progressed to at
     least TNM classification T2bN0M0
  • Any primary skin cancer other than malignant melanoma that has invaded beyond the epidermis (outer layer of skin)
  • Papillary cancer of the thyroid gland that is organ confined
  • All tumors and cancers in the presence of HIV infection.

Condition

  • The first occurrence of cancer diagnosed by observing uncontrolled growth of and invasion of normal tissues by malignant cells in a histological specimen taken from the primary or secondary tumor. This is the definitive criteria, although not all cancers are covered; see 'Exclusions'.
  • Some definitions expand the requirement for histology to include 'confirmation by histological evidence of malignancy by a qualified oncologist or pathologist'; this is acceptable but not necessary as histology reports are prepared by specialists. Rarely a diagnosis of cancer is made on clinical grounds or histology is equivocal. In most of these circumstances, the absence of histological proof disqualifies a claim; admission of the claim requires careful consideration by a CMO with discussion with an oncologist if required.
  • In a primary tumor in the absence of vascular invasion, (stromal) invasion applies to carcinomas but not to sarcomas or cancers of the blood or lymphatic systems. This is why these tumors are explicitly mentioned.

Exclusions

"Carcinoma in situ" or "cancer in situ" or dysplasia or pre-malignant conditions or non-invasive cancers.

These conditions are risk markers for invasive cancer but are not life-threatening or causes of significant morbidity except diffuse ('flat') non-papillary urinary bladder carcinoma in situ (Tis). Binet stage A Chronic Lymphatic Leukemia.