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Disease caused by human growth hormone treatment is excluded.
4. Chronic Auto-Immune
Hepatitis
Chronic Auto-Immune Hepatitis
A chronic necro-inflammatory liver disorder of unknown cause associated with
circulating auto-antibodies and a high serum globulin level.
The diagnosis must be based on all of the following criteria:
(1) hypergammaglobulinaemia
(2) the presence of at least one of the following auto-antibodies :
2.1 Anti-Nuclear Antibody;
2.2 Anti-smooth muscle antibodies;
2.3 Anti-actin antibodies;
2.4 Anti-LKM-1 antibodies;
2.5 Anti- LC1 antibodies; or
2.6 Anti-SLA/LP antibodies
(3) Liver Biopsy confirmation of the diagnosis of auto-immune hepatitis
This only covered if the life insured has been put on continuous
Immunosuppressive therapy for a period of at least 6 months and the
diagnosis must be confirmed by a specialist in gastroenterology or
hepatology.
5. Ebola
Ebola
Manulife CI FlexiCare (Deluxe) v0123
Page 33 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
Extended Advanced
Stage CI Conditions
Definition
Infection with the Ebola virus where the following conditions are met:
(a) presence of the Ebola virus has been confirmed by laboratory testing;
(b) there are ongoing complications of the infection persisting beyond 30 days
from the onset of symptoms;
(c) the infection does not result in death; and
(d) provided that at the time of unequivocal diagnosis there exists no
effective cure.
6. Elephantiasis
Elephantiasis
The end-stage lesion of filariasis, characterised by massive swelling in the
tissues of the body as a result of obstructed circulation in the blood or
lymphatic vessels.
Unequivocal diagnosis of elephantiasis must be:
- clinically confirmed by a physician in the appropriate medical specialty; and
- supported by laboratory confirmation of microfilariae
Lymphedema caused by infection with any other disease(s), trauma, postoperative scarring, congestive heart failure, or congenital lymphatic system
abnormalities is excluded.
7. Idiopathic Pulmonary
Fibrosis
Idiopathic Pulmonary Fibrosis
Idiopathic pulmonary fibrosis is a chronic, progressive form of interstitial lung
disease characterised by fibrosis and worsening of lung function. It should
require extensive and permanent oxygen therapy of at least 8 hours per day.
Lung function test consistently showing FVC ≤50% and DLCO ≤35% of
predicted value.
The unequivocal diagnosis must be confirmed with lung biopsy and by a
specialist in respiratory medicine.
8. Infective Endocarditis
Infective Endocarditis
Inflammation of the inner lining of the heart caused by infectious organisms,
where all of the following criteria are met:
(a) Positive result of the blood culture proving presence of the infectious
organism(s);
(b) Presence of at least moderate heart valve incompetence (meaning
regurgitant fraction of 20% or above) or moderate heart valve stenosis
(resulting in heart valve area of 30% or less of normal value) attributable to
Infective Endocarditis; and
(c) The diagnosis of Infective Endocarditis and the severity of valvular
impairment are confirmed by a registered medical practitioner who is a
cardiologist.
9. Medullary Cystic
Disease
Medullary Cystic Disease
Medullary Cystic Disease where the following criteria are met:
- the presence in the kidney of multiple cysts in the renal medulla
accompanied by the presence of tubular atrophy and interstitial fibrosis;
- clinical manifestations of anaemia, polyuria, and progressive deterioration in
kidney function; and
- the diagnosis of Medullary Cystic Disease is confirmed by renal biopsy.
Isolated or benign kidney cysts are specifically excluded from this benefit.
10. Meningeal
Tuberculosis
Meningeal Tuberculosis