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