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Chronic Adrenal Insufficiency
(Addison's Disease)
The coverage of this Special CI conditions benefit will be
provided until the day before the policy anniversary
immediately after the life insured's 85th birthday or the benefit
end date of this policy, whichever is earlier.
An autoimmune disorder causing a gradual destruction of the
adrenal gland resulting in the need for life long glucocorticoid
and mineral corticoid replacement therapy. The disorder must
be confirmed by a specialist in endocrinology through one of the
following:
• ACTH simulation tests;
• insulin-induced hypoglycemia test;
• plasma ACTH level measurement;
• Plasma Renin Activity (PRA) level measurement.
Only autoimmune cause of primary adrenal insufficiency is
included. All other causes of adrenal insufficiency are excluded.
3
Chronic Relapsing
Pancreatitis
The coverage of this Special CI conditions benefit will be
provided until the day before the policy anniversary
immediately after the life insured's 85th birthday or the benefit
end date of this policy, whichever is earlier.
More than 3 attacks of pancreatitis resulting in pancreatic
dysfunction causing malabsorption needing enzyme
replacement therapy.
The diagnosis must be made by a consultant gastroenterologist
and confirmed by Endoscopic Retrograde
Cholangiopancreatography (ERCP).
Chronic Relapsing Pancreatitis caused by alcohol use is
excluded.
4
Dengue Heamorrhagic Fever
The coverage of this Special CI conditions benefit will be
provided until the day before the policy anniversary
immediately after the life insured's 85th birthday or the benefit
end date of this policy, whichever is earlier.
Dengue Haemorrhagic Fever Stage 3 or Stage 4, based on the
World Health Organization case definition (1997), with
unequivocal evidence of the Dengue Shock Syndrome and
confirmation of dengue infection, with confirmatory serological
testing of dengue; and as exemplified by the following findings:
history of continuous high fever (for two (2) or more days),
• minor or major haemorrhagic manifestations,
• thrombocytopenia (less than or equal to 100000 per mm3)
• haemoconcentration (haemotocrit increased by 20% or more)
and
• evidence of plasma leakage (i.e. pleural effusion, ascites or
hypoproteinaemia, etc.)
Manulife CI FlexiCare (Deluxe) v0123
Page 37 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
No
Covered Special CI
Conditions
Definition
• evidence of the Dengue Shock Syndrome (DSS), confirmed by
a Specialist, with the following criteria being met:
- hypotension (less than 80 mm Hg) or narrow pulse pressure
(20 mm Hg or less) and
- evidence of tissue hypoperfusion such as cold, clammy skin,
oliguria, or a metabolic acidosis.
5
Diabetic Complications
The coverage of this Special CI conditions benefit will be
provided until the day before the policy anniversary
immediately after the life insured's 85th birthday or the benefit
end date of this policy, whichever is earlier.
Diabetic Retinopathy with actual undergoing of laser treatment
certified to be Medically Necessary by a Specialist with support
of Fluorescent Fundus Angiography report and vision measured
at 6/18 or worse in the better eye using a Snellen eye chart
before the procedure.
A definite diagnosis of diabetic nephropathy by a Specialist and
is evident by permanent eGFR less than 30 ml/min/1.73 m2
with ongoing proteinuria greater than 300mg/24 hours.
The actual undergoing of amputation of a leg / foot / toe / arm /
hand / finger to treat gangrene that has occurred because of a
complication of diabetes.
6