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Chronic irreversible failure
of both kidneys requiring
either permanent renal
dialysis or kidney
transplantation.
Loss of Independent
Existence
(Intermediate Stage)
A condition as a result of a
disease, illness or injury
whereby the life insured
is unable to perform
(whether aided or unaided)
at least 2 of the following 6
"activities of daily living",
for a continuous period of
6 months.
Loss of Independent
Existence
(Severe Stage)
A condition as a result of a
disease, illness or injury
whereby the life insured
is unable to perform
(whether aided or unaided)
at least 3 of the 6
"Activities of Daily
Living", for a continuous
period of 6 months.
This condition must be
confirmed by our
approved medical
examiner.
This condition must be
confirmed by our
approved medical
examiner.
Non-organic diseases
such as neurosis and
psychiatric illnesses are
excluded.
Non-organic diseases
such as neurosis and
psychiatric illnesses are
excluded.
For the purpose of this
definition, “aided” shall
mean with the aid of
special equipment, device
and/or apparatus and not
pertaining to human aid.
Loss of Speech due to
Vocal Cord Paralysis
For the purpose of this
definition, “aided” shall
mean with the aid of
special equipment, device
and/or apparatus and not
pertaining to human aid.
Irreversible Loss of
Speech
Manulife CI FlexiCare (Deluxe) v0123
Page 21 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
Conditions
Early Stage
The performance of
tracheostomy for the
treatment of lung disease
or airway disease or as a
ventilatory support
measure following major
trauma or burns.
The life insured must
have been a patient in a
designated intensive care
unit under the care of a
medical specialist. The
benefit only payable if the
tracheostomy is required
to remain in place and
functional for a period of
three months. This benefit
would not be payable in
addition to any Major Head
Trauma, Major Burns, End
stage lung disease or