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146
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will also be covered under
|
this benefit. All
|
intravascular procedures
|
and MIDCAB surgery are
|
excluded. All
|
percutaneous
|
intravascular techniques
|
are excluded. The
|
diagnosis of significant
|
coronary artery obstruction
|
and the necessity of the
|
above procedures must be
|
certified by a Specialist
|
and also must be
|
supported by angiographic
|
evidence. When Early
|
Coronary Arterial Disease
|
(Early Stage Critical
|
Illness benefit) or
|
Moderate Coronary Artery
|
Disease (Intermediate
|
stage Critical Illness) has
|
been claimed under this
|
policy, the benefit Port
|
Access or Key hole
|
Cardiac Surgery will no
|
longer be payable.
|
Cochlear Implant
|
Surgery
|
The actual undergoing of a
|
surgical cochlea implant
|
as a result of permanent
|
damage to the cochlea or
|
auditory nerve. The
|
surgical procedure as well
|
as the insertion of the
|
implant must be certified to
|
be absolutely necessary
|
by a specialist in the
|
relevant field.
|
Advanced Stage1
|
Coronary Artery By-Pass
|
Surgery
|
The actual undergoing of
|
open-chest surgery or
|
Minimally Invasive Direct
|
Coronary Artery Bypass
|
surgery to correct the
|
narrowing or blockage of
|
one (1) or more coronary
|
arteries with bypass grafts.
|
This diagnosis must be
|
supported by angiographic
|
evidence of significant
|
coronary artery obstruction
|
and the procedure must be
|
considered medically
|
necessary by a consultant
|
cardiologist.
|
Angioplasty and all other
|
intra arterial, catheter
|
based techniques,
|
‘keyhole’ or laser
|
procedures are excluded.
|
Deafness (Irreversible
|
Loss of Hearing)
|
Total and irreversible loss
|
of hearing in both ears as
|
a result of illness or
|
accident. This diagnosis
|
must be supported by
|
audiometric and sound
|
threshold tests provided
|
and certified by an Ear,
|
Nose, Throat (ENT)
|
specialist.
|
Total means “the loss of at
|
least 80 decibels in all
|
frequencies of hearing”.
|
Irreversible means “cannot
|
be reasonably restored to
|
Manulife CI FlexiCare (Deluxe) v0123
|
Page 16 of 42
|
Manulife (Singapore) Pte. Ltd.
|
A Manulife Company
|
Conditions
|
Early Stage
|
thrombosis. The presence
|
of Cavernous Sinus
|
Thrombosis as well as the
|
requirement for surgical
|
intervention must be
|
certified to be absolutely
|
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