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