Should an Insured Person be Diagnosed during the period of Insurance as suffering from a Dread Disease, symptoms (and/or the treatment) of which were not present in such Insured Person at any time prior to inception of this Policy or the date on which cover hereunder was granted to such Insured Person the Company shall pay the Insured on behalf of the Insured person as Compensation the Sum Insured set against such Insured Person's name in the Schedule.

Dread Disease means any of the following:

(a) Coronary Heart Diseases
(b) Stroke
(c) Cancer
(d) Kidney Failure
(e) Organ Transplant
(f) Multiple Sclerosis

The Company shall compensate the Insured on behalf of the Insured Person only once in respect of any particular Dread Disease. The cost varies with the risk exposure and is calculated at a rate applied to the amount insured. The premises usually need to be surveyed to assess the existing hazards as well as to make necessary recommendations in order to reduce the risk of loss. These massages offer a brief description only. The actual policy wording prevails.