First Nations Insurance Services Limited Partnership

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Critical Illness Insurance For Your Employees

Life Threatening Cancer: Incontrovertible evidence of a malignant tumor, as evidenced on a pathology report, characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue with distant metastasis and which is not listed in the exclusions, or any malignant tumors (with or without metastasis) listed as follows:

a) oral cavity
b) pharynx (excluding larynx)
c) oesophagus
d) stomach bile ducts
e) level IV Melanoma
f) liver
g) pancreas
h) gallbladder and
i) lungs and respiratory tracts

The following forms of cancer or conditions are excluded from coverage:

a) benign tumors or polyps
b) pre-malignant lesions
c) stage T1 prostate cancer
d) cancer-in-situ cancers (cancer has not spread outside the
   tissue in which it developed)
e) Melanoma less than or equal to 1.0 mm in thickness, not ulcerated and
f) without level IV or V invasion
g) basal cell and squamous cell carcinoma of the skin


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