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in the relevant field and
confirmed by a cardiac
echocardiogram.
All other surgical
corrective methods or
technique involving a
thoracotomy will be
excluded from this benefit.
HIV Due to Organ
Transplant
Infection with the Human
Immunodeficiency Virus
(HIV) through an organ
transplant, provided that
all of the following
conditions are met:
• The organ transplant
was medically
necessary or given as
part of a medical
treatment; and
• The organ transplant
was received in
Singapore after the date
of issue, date of
endorsement or date of
reinstatement of this
policy, whichever is the
later; and
• The source of the
infection is established
to be from the Institution
Advanced Stage1
by cardiologist specified
by us.
For the above definition,
the following are excluded:
• Angina;
• Heart attack of
indeterminate age; and
• A rise in cardiac
biomarkers or Troponin
T or I following an intraarterial cardiac
procedure including, but
not limited to, coronary
angiography and
coronary angioplasty.
Explanatory note: 0.5ng/ml
= 0.5ug/L = 500pg/ml
Open Chest Heart Valve
Surgery
The actual undergoing of
open-heart surgery to
replace or repair heart
valve abnormalities. The
diagnosis of heart valve
abnormality must be
supported by cardiac
catheterization or
echocardiogram and the
procedure must be
considered medically
necessary by a consultant
cardiologist.
HIV Due to Blood
Transfusion and
Occupationally Acquired
HIV
A) Infection with the
Human Immunodeficiency
Virus (HIV) through a
blood transfusion,
provided that all of the
following conditions are
met:
• The blood transfusion
was medically
necessary or given as
part of a medical
treatment;
• The blood transfusion
was received in
Singapore after the
date of issue, date of
endorsement or date of
reinstatement of this
policy, whichever is the
later; and
Manulife CI FlexiCare (Deluxe) v0123
Page 19 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
Conditions
Early Stage