Datasets:
sruthiselvakumar
/
dataset

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dentist (surgeon and
nurse) or paramedical
worker, working in medical
centre or clinic (in
Singapore).
This benefit will not apply
under either section A or B
where a cure has become
Manulife CI FlexiCare (Deluxe) v0123
Page 20 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
Conditions
Early Stage
Intermediate Stage
16. End Stage
Kidney Failure
Surgical Removal of One
Kidney
The complete surgical
removal of one (1) kidney
necessitated by any illness
or accident. The need for
the surgical removal of the
kidney must be certified to
be absolutely necessary
by a specialist in the
relevant field. Kidney
donation is excluded.
Chronic Kidney Disease
A nephrologist must make
a diagnosis of chronic
kidney disease with
permanently impaired
renal function. There must
be laboratory evidence
that shows that renal
function is severely
decreased with an eGFR
less than 15ml/min/1.73m2
body surface area,
persisting for a period of 6
months or more.
17. Loss of
Independent
Existence
18. Irreversible
Loss of
Speech
Chronic Kidney
Impairment
A nephrologist must make
a diagnosis of chronic
kidney impairment with
advanced stage of chronic
renal insufficiency. There
must be laboratory
evidence that shows that
renal function is severely
decreased with an eGFR
less than 30ml/min/1.73m2
body surface area,
persisting for a period of
90 days or more.
Loss of Independent
Existence
(Early Stage)
Total and irreversible
physical loss of all fingers
including thumb of the
same hand due to
accident. This condition
must be confirmed by a
registered medical
practitioner. Loss of
fingers due to self-inflicted
injuries is excluded
Permanent (or
Temporary)
Tracheostomy
Advanced Stage1
available prior to the
infection. “Cure” means
any treatment that renders
the HIV inactive or noninfectious.
End Stage Kidney
Failure