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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