1. Purpose and cover of the policy
C. Additional covers of the policy
6. Serious illnesses
If the insured is diagnosed with any of the illnesses, or undergoes any of the surgical interventions, included under this cover, the insurer undertakes to pay the designated beneficiary the sum insured established for this cover in the schedule.
Once the risk included in this cover for serious illnesses occurs to the insured, any remaining additional covers that may have been contracted will be cancelled and only the basic cover for death will remain in effect, but with a sum insured reduced in the amount paid out for this cover.
For all major illnesses guaranteed under this cover, an elimination period is established from the policy's inception date, and it is understood that if the diagnosis of any of these major illnesses occurs within this period, the potential claim will not be admitted and the coverage will be considered void. Upon completion of the elimination period, if no illness has been diagnosed, the cover will be extended until the date established for this cover in the policy's schedule.
The corresponding premium of this cover is not guaranteed in the future; it may be modified by the insurer. The insurer must modify the policyholder of any changes at least two months prior to the date of the next renewal. If the policyholder does not accept the new premiums, he / she may request the cancellation of the cover or of the the entire policy.
Covered serious illnesses and operations
Only the following serious illnesses are covered:
Coronary artery (by-pass) surgery
Cerebrovascular accident (stroke)