Physician

When referring to a cancer diagnosis, it means a physician who is a Hematologist-Oncologist or Pathologist legally authorized to practice medicine, certified by the American Board of Pathology to exercise Pathological Anatomy and Oncological Hematology, provided it is not the insured or a relative to the fourth degree of consanguinity or third degree of affinity. When referring to the diagnosis of any of the dread/critical diseases or any other disease, it means a physician who is a legally authorized specialist to practice medicine, to treat diseases and injuries, and to provide services within the limits of their license, provided it is not the insured or a relative to the fourth degree of consanguinity or third degree of affinity.