Severe
Bouvier's Law Dictionary and Concise Encyclopedia · John Bouvier; revised by Francis Rawle · 1914
Bouvier's Law Dictionary and Concise Encyclopedia
Within the meaning of a life insurance policy, severe illness means such an illness as has, or ordinarily does have, a permanent, detrimental effect upon the physical system.
Boos v. Life Ins. Co., G4 N. Y. 226.