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imaging must be done
Manulife CI FlexiCare (Deluxe) v0123
Page 18 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
Conditions
14. Open
Chest Heart
Valve Surgery
15. HIV Due to
Blood
Transfusion
and
Occupationall
y Acquired
HIV
Early Stage
Percutaneous
Valvuloplasty or
Valvotomy
The actual undergoing of
simple percutaneous
transvascular balloon
valvuloplasty or valvotomy
without any deployment of
device or prosthesis
necessitated by damage of
the heart valve as
confirmed by a specialist
in the relevant field and
established by a cardiac
echocardiogram.
All other surgical
corrective methods will be
excluded.
HIV Due to Assault
Infection with the Human
Immunodeficiency Virus
(HIV) which resulted from
a physical or sexual
assault occurring after the
date of issue, date of
endorsement or date of
reinstatement of this
policy, whichever is the
later, provided that all the
following conditions are
met:
• The incident must be
reported to the
appropriate authority
and that a criminal case
must be opened; and
• Proof of the assault
giving rise to the
infection must be
reported to us within
thirty (30) days of the
Intermediate Stage
Diagnosis & Treatment –
39th Edition”):
Class I: No limitation of
physical activity. Ordinary
physical activity does not
cause undue fatigue,
dyspnea, or anginal pain.
Class II: Slight limitation of
physical activity. Ordinary
physical activity results in
symptoms.
Class III: Marked limitation
of physical activity.
Comfortable at rest, but
less than ordinary activity
causes symptoms.
Class IV: Unable to
engage in any physical
activity without discomfort.
Symptoms may be present
even at rest.
Valve Replacement or
Valve Repair with Device
The actual undergoing of a
heart valve replacement
with a mechanical or
biological tissue valve, or a
heart valve repair with
deployment of device or
prosthesis. It must be
deemed medically
necessary by a specialist