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necessary by a specialist
in the relevant field.
Intermediate Stage
10. End Stage
Liver Failure
Liver Surgery
Partial hepatectomy of at
least one (1) entire lobe of
the liver that has been
found necessary as a
result of illness or accident
of the life insured.
Liver Cirrhosis
Cirrhosis of the liver with a
HAI-Knodell Scores of 6
and above as evident by
liver biopsy. The
diagnosis must be
unequivocally confirmed
by a specialist in the
relevant field and based
on the histological findings
of the liver biopsy.
Liver disease secondary to
alcohol or drug abuse is
excluded.
11. End Stage
Lung Disease
Severe Asthma
Evidence of an acute
attack of Severe asthma
with persistent status
asthmaticus that requires
hospitalization and
endotracheal intubation
and mechanical ventilation
for a continuous period of
at least four (4) hours on
the advice of a specialist in
the relevant field.
Insertion of a Vena Cava
Filter
The surgical insertion of a
vena cava filter after there
has been documented
proof of recurrent
pulmonary emboli. The
need for the insertion of a
vena cava filter must be
certified to be absolutely
necessary by a specialist
in the relevant field.
Liver disease secondary to
alcohol or drug abuse is
excluded.
Surgical Removal of One
Lung
Complete surgical removal
of a lung as a result of an
illness or an accident of
the life insured.
Partial removal of a lung is
not included in this benefit.
Advanced Stage1
at least 40 decibels by
medical treatment, hearing
aid and/or surgical
procedures consistent with
the current standard of the
medical services available
in Singapore after a period
of 6 months from the date
of intervention.”
End Stage Liver Failure
End stage liver failure as
evidenced by all of the
following:
• Permanent jaundice;
• Ascites; and
• Hepatic
encephalopathy
Liver disease secondary to
alcohol or drug abuse is
excluded.
End Stage Lung Disease
End stage lung disease,
causing chronic respiratory
failure. This diagnosis
must be supported by
evidence of all of the