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low grade & high grade
squamous epithelial
lesions unless
specifically reported as
CIS (carcinoma in situ).
• Prostatic Intraepithelial
Neoplasia (PIN).
• Vulvar Intraepithelial
Neoplasia (VIN).
• Melanoma in situ and
any non-melanoma skin
carcinoma (in-situ or
invasive), skin confined
primary cutaneous
lymphoma and
dermatofibrosarcoma
protuberans.
• Non-invasive papillary
urothelial carcinoma of
the bladder (stage Ta).
• All tumours in the
presence of Human
Immunodeficiency Virus
(HIV) infection.
Intermediate Stage
described as benign,
dysplasia, premalignant,
borderline malignant, or
suspicious malignant
potential.
• Cervical Dysplasia, CIN1, CIN-2 and CIN-3 and
low grade & high grade
squamous epithelial
lesions unless
specifically reported as
CIS (carcinoma in situ).
• Prostatic Intraepithelial
Neoplasia (PIN).
• Vulvar Intraepithelial
Neoplasia (VIN).
• All tumours in the
presence of Human
Immunodeficiency Virus
(HIV) infection.
Advanced Stage1
J) All bone marrow
malignancies which do not
require recurrent blood
transfusions,
chemotherapy, targeted
cancer therapies, bone
marrow transplant,
haematopoietic stem cell
transplant or other major
interventionist treatment;
and
K) All tumours in the
presence of HIV infection.
Manulife CI FlexiCare (Deluxe) v0123
Page 24 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
Conditions
21. Major Head
Trauma
22. Major
Organ / Bone
Marrow
Transplantatio
n
Early Stage
Head Trauma Requiring
Re-constructive Surgery
and Accidentally Spinal
Cord Injury
1) The actual undergoing
of re-constructive surgery
above the neck
(restoration or reconstruction of the shape
of and appearance of
facial structures which are
defective, missing or
damaged or misshapened)
performed by a specialist
in the relevant field to
correct disfigurement as a
direct result of an accident.
The need for surgery must
be certified to be
absolutely necessary by a
specialist in the relevant
field. Treatment relating to
teeth and/or any other