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following:
• FEV1 test results which
are consistently less
than 1 litre;
• Permanent
supplementary oxygen
therapy for hypoxemia;
• Arterial blood gas
analyses with partial
oxygen pressures of
55mmHg or less (PaO2
<=55mmHg); and
• Dyspnea at rest.
The diagnosis must be
confirmed by a respiratory
physician.
Manulife CI FlexiCare (Deluxe) v0123
Page 17 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
Conditions
12. Fulminant
Hepatitis
Early Stage
Biliary Tract
Reconstruction Surgery
Biliary tract reconstruction
surgery involving
choledochoenterostomy
(choledochojejunostomy or
choledochoduodenostomy
) for the treatment of biliary
tract disease, including
biliary atresia, that is not
amenable to other surgical
or endoscopic measures.
The procedure must be
considered the most
appropriate treatment by a
specialist in hepatobiliary
disease. This benefit is not
payable for the
consequences of gall
stone disease or
cholangitis.
13. Heart
Attack of
Specified
Severity
Cardiac Pacemaker
Insertion
Insertion of a permanent
cardiac pacemaker that is
required as a result of
serious cardiac arrhythmia
which cannot be treated
via other means. The
insertion of the cardiac
pacemaker must be
certified to be absolutely
necessary by a specialist
in the relevant field.
Pericardiectomy
The undergoing of a total
or partial pericardiectomy
as a result of pericardial
disease. The surgical
procedure must be
certified to be absolutely
necessary by a specialist
in the relevant field.
Intermediate Stage
Chronic Primary
Sclerosing Cholangitis
This benefit is payable for
chronic primary sclerosing
cholangitis confirmed on
cholangiogram imaging
confirming progressive
obliteration of the bile
ducts. The diagnosis
must be made by a
gastroenterologist and the
condition must have
progressed to the point
where there is permanent
jaundice.
The benefit is payable only
where there is a need
immunosuppressive
treatment, drug therapy for
intractable pruritis or if
biliary tract obliteration has