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nephritis (active and
chronic; proliferative and
sclerosing)
Class IV: Diffuse lupus
nephritis (active and
chronic; proliferative and
sclerosing; segmental and
global)
Class V: Membranous
lupus nephritis
Class VI: Advanced
sclerosis lupus nephritis
Severe Encephalitis
Severe inflammation of
brain substance (cerebral
hemisphere, brainstem or
cerebellum) and resulting
in permanent
neurological deficit
which must be
documented for at least 6
weeks. This diagnosis
must be certified by a
consultant neurologist, and
supported by any
confirmatory diagnostic
tests.
Encephalitis caused by
HIV infection is excluded.
Terminal Illness
The conclusive diagnosis
of an illness that is
expected to result in the
death of the life insured
within twelve (12) months.
This diagnosis must be
supported by a specialist
and confirmed by our
appointed Physician.
Manulife CI FlexiCare (Deluxe) v0123
Page 32 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
Advanced Stage1
Terminal illness in the
presence of HIV infection
is excluded.
1 The Life Insurance Association Singapore (LIA) has standard Definitions for 37 severe-stage Critical Illnesses
(Version 2019). These Critical Illnesses fall under Version 2019. You may refer to www.lia.org.sg for the
standard definitions (Version 2019). For Critical Illnesses that do not fall under Version 2019, the definitions are
determined by the insurance company.
Conditions
Early Stage
Intermediate Stage
Note: ‘Angioplasty and Other Invasive Treatment for Coronary Artery’ is covered under the Special CI
Conditions Benefit.
Extended Advanced Stage CI Definitions
Extended Advanced
Stage CI Conditions
1. Acute
Necrohemorrhagic
Pancreatitis
Definition
Acute Necrohemorrhagic Pancreatitis
Acute inflammation and necrosis of pancreas parenchyma, focal enzymatic
necrosis of pancreatic fat and haemorrhage due to blood vessel necrosis,
where all of the following criteria are met:
(a) The necessary treatment is surgical clearance of necrotic tissue or
pancreatectomy; and
(b) The diagnosis is based on histopathological features and confirmed by a
physician who is a gastroenterologist.
Pancreatitis due to alcohol or drug abuse is excluded.
2. Adrenalectomy for
Adrenal Adenoma
Adrenalectomy for Adrenal Adenoma
Adrenalectomy for treatment of malignant systemic hypertension that was
secondary to an aldosterone secreting adrenal adenoma. Malignant
hypertension was uncontrolled by medical therapy. The adrenalectomy must
be certified to be medically necessary for the management of poorly
controlled hypertension by a medical examiner in the relevant field.
3. Creutzfeldt-Jakob
Disease
Creutzfeldt-Jakob Disease
The occurrence of Creutzfeldt-Jakob Disease or Variant Creutzfeldt-Jakob
Disease where there is an associated neurological deficit, which is solely
responsible for a permanent inability to perform at least 3 of the 6 “Activities
of Daily Living”.