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accommodation wards are not considered an intensive care unit.
High dependency unit (HDU) means a unit of a hospital for patients who do not yet require
admission into an ICU or a step-down unit where the patients have been shifted down from an ICU. It
is one level of care below that of an ICU. For avoidance of doubt, general ward is not considered as
HDU.
Hospital means an institution which:
(a) is licensed as a medical or surgical hospital in Singapore;
(b) provides 24-hour nursing services by registered nurses under the permanent supervision of a
doctor;
(c) keeps daily medical records for its patients; and
(d) is not mainly a rest or convalescent facility, a place of custodial care, a facility for the elderly or
alcoholics or drug addicts or to treat mental disorders, or a nursing home, a spa or a hydroclinic,
a hospice centre or home.
Life insured means the person named as the life insured on the schedule page or endorsement.
This is the person that this policy insures.
Medical examiner means:
(a) any medical practitioner or specialist doctor registered with a recognised degree in western
medicine who is licensed and authorised to practise in his or her country, who has the relevant
skill to provide medical or surgical services for the illness, disability or disease; or
(b) any medical practitioner or specialist doctor in Singapore we choose if you or the life insured
makes a claim for basic benefit or supplementary benefit under this policy.
This person must not be you or the life insured, or your or the life insured’s husband or wife, relative
or business partner.
Medically necessary means such treatment, procedure or other medical services which, in the
professional opinion of a medical examiner, is appropriate and consistent with the symptoms and
findings or diagnosis and direct treatment and does not adversely affect the life insured’s medical
condition. The treatment must:
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Manulife (Singapore) Pte. Ltd.
A Manulife Company
(a) be clinically appropriate, in terms of type, frequency, extent, site and duration, and considered
effective for the life insured’s medical condition;
(b) not be for the convenience of the patient or medical examiner (for example, treatment that can
be provided out of a hospital, but is provided as an inpatient treatment);
(c) be provided in accordance with generally accepted standard of medical practice and with the
medical examiner’s specialty society recommendations and established clinical protocols; and
(d) not be associated with treatment, procedure, supplies or other medical services of an
experimental or investigative nature.
For these purposes, generally accepted standard of medical practice means standards that are
based on credible scientific evidence published in peer-reviewed medical literature generally
recognized by the relevant medical community.
Permanent means a condition which is expected to last throughout the lifetime of the life insured
with no prospect of improvement, irrespective of when the policy ends.
Permanent neurological deficit means a permanent symptom of dysfunction in the nervous system
that are present on clinical examination and expected to last throughout the lifetime of the life insured.
Symptoms that are covered include numbness, paralysis, localised weakness, dysarthria (difficulty
with speech), aphasia (inability to speak), dysphagia (difficulty swallowing), visual impairment, difficulty
in walking, lack of coordination, tremor, seizures, dementia, delirium and coma.
Policy
(i) This policy is made up of the following:
a. the application form, any amendments, other forms and documents provided by you and
the life insured to apply for this policy;
b. this basic benefit contract;
c. the supplementary benefit contract (if any);
d. the schedule page;
e. the endorsement (if any);
f. any counter offers we made, and you accepted; and
g. any information and documents provided by you and the life insured with or after your
application.
(ii) We may issue revised schedule pages and/or endorsements to show changes made to this
policy. Any change to this policy must be in writing and signed by our Chief Executive Officer.
(iii) We are not bound by any representation made by or to any other person not included in this
policy.
Pre-existing condition means (a) the diagnosis of any condition; or (b) the occurrence of any of the
following events in relation to any condition, before (1) the policy issue date; or (2) the most recent
reinstatement date of this policy, whichever is the latest, which would have affected our decision to
accept your application:
(i)
such condition has presented sign or symptom which you or life insured was aware of or should
have been aware of, and should have sought medical advice or treatment;
(ii) treatment, test or investigation was recommended by or received from a medical examiner for
such condition; or
(iii) the life insured or child has arranged or received medical consultation, test or investigation for
such condition.
Premium means the amount of money that you pay in accordance with the payment frequency as
shown on the schedule page or endorsement. It consists of the premiums payable for the basic
benefit and supplementary benefit (if any) as reflected in our records.
Schedule page forms part of this policy setting out specific details.
Special CI conditions benefit means the amount payable as determined in accordance with clause
23 of this basic benefit contract.
Special CI condition(s) means any condition or illness defined and described in Appendix B of this
basic benefit contract.
Supplementary benefit means an optional insurance coverage attached to this basic benefit
contract. You can find details of supplementary benefit on schedule page or endorsement, and
terms in the supplementary benefit contract.
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Manulife (Singapore) Pte. Ltd.
A Manulife Company
Terminal illness or TI means an illness which, in the opinion of a medical examiner and with the
agreement of our appointed medical examiner, is likely to lead to death within 12 months from the
date of diagnosis.
Total premiums paid to date means and is equivalent to total premiums paid to us on the basic