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Meningitis caused by tubercle bacilli, resulting in permanent neurological
deficit. Such a diagnosis must be confirmed by a specialist in neurology and
confirmed by characteristic findings of M. tuberculosis infection in
cerebrospinal fluid by lumbar puncture and CSF culture.
Evidence of permanent clinical neurological deficit confirmed by a neurologist
at least 6 weeks after the event.
Manulife CI FlexiCare (Deluxe) v0123
Page 34 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
Extended Advanced
Stage CI Conditions
11. Multiple Root
Avulsions of Brachial
Plexus
Definition
Multiple Root Avulsions of Brachial Plexus
The complete and permanent loss of use and sensory functions of an upper
extremity caused by avulsion of 2 or more nerve roots of the brachial plexus
through accident or injury. Complete injury of 2 or more nerve roots should be
confirmed by electrodiagnostic study done by a physiatrist or neurologist.
12. Necrotising Fasciitis
Necrotising Fasciitis
The occurrence of necrotising fasciitis where the following conditions are met:
- the usual clinical criteria of necrotising fasciitis are met;
- the bacteria identified is a known cause of necrotising fasciitis; and
- there is widespread destruction of muscle and other soft tissues that results
in a total and permanent loss of function of the affected body part.
13. Pheochromocytoma
Pheochromocytoma
Presence of a neuroendocrine tumour of the adrenal or extra-chromaffin
tissue that secretes excess catecholamines that has required the actual
undergoing of surgery to remove the tumour. The diagnosis of
Pheochromocytoma must be confirmed by a medical examiner who is an
endocrinologist and supported by a histopathological examination.
14. Progressive
Supranuclear Palsy
Progressive Supranuclear Palsy
Progressive Supranuclear Palsy occurring independently of all other causes
and resulting in a permanent neurological deficit, which is directly
responsible for a permanent inability to perform at least 3 of the 6 “Activities
of Daily Living”.
The diagnosis of Progressive Supranuclear Palsy must be confirmed by a
physician who is a neurologist.
15. Severe
Cardiomyopathy
Severe Cardiomyopathy
The unequivocal diagnosis of Cardiomyopathy which have resulted in the
presence of permanent and irreversible physical impairments of at least Class
IV of the New York Heart Association (NYHA) classification of Cardiac
Impairment and which is defined and assessable only after the provision of
maximal medical therapy according to treatment practice guidelines for at
least 6 months.
The diagnosis of Cardiomyopathy has to be supported by echocardiographic
findings of compromised ventricular performance.
Cardiomyopathy as a result of valvular heart disease or drug and alcohol
abuse is excluded. The diagnosis must be confirmed by a consultant
cardiologist.
The NYHA Classification of Cardiac Impairment (Source: "Current Medical
Diagnosis and Treatment - 39th Edition"):
Class I: No limitation of physical activity. Ordinary physical activity does not
cause undue fatigue, dyspnea, or anginal pain.
Class II: Slight limitation of physical activity. Ordinary physical activity results
in symptoms.
Class III: Marked limitation of physical activity. Comfortable at rest, but less
than ordinary activity causes symptoms.
Class IV: Unable to engage in any physical activity without discomfort.
Symptoms may be present even at rest.
16. Severe Crohn's
Disease
Severe Crohn's Disease
Crohn's disease is a chronic, transmural inflammatory disorder of the bowel.
To be considered as severe, there must be evidence of continued
inflammation in spite of optimal therapy, with all of the following having
occurred:
• Stricture formation causing intestinal obstruction requiring admission to
hospital;
• Fistula formation between loops of bowel; and
Manulife CI FlexiCare (Deluxe) v0123
Page 35 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
Extended Advanced