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resulted in marked impairment in social or occupational
functioning with symptoms of both inattention and hyperactivityimpulsivity.
Benefit is payable upon meeting all of the following criteria:
• Conclusive diagnosis of ADHD using standardised tests
including DSM-5 criteria by a multi-disciplinary team of
developmental paediatrician, child psychologist, and clinical
psychologist.
• The life insured is currently on stimulants therapy without
interruption for a period of at least 6 months after diagnosis as
prescribed and recommended by the multidisciplinary team of
developmental paediatrician, child psychologist, and clinical
psychologist.
Symptoms of ADHD attributable to the physiological effects of a
substance or other medical or mental conditions are specifically
excluded.
12
Autism of Specified Severity
The coverage of this Special CI conditions benefit will be
provided until the day before the policy anniversary
immediately after the life insured's 18th birthday.
An unequivocal diagnosis of Autism of Specified Severity which
must have continued without interruption for a period of at least
6 months after diagnosis supported by 2 different assessments
performed at least 6 months apart; and the Life insured must
be undergoing treatment such as but not limited to behavioural
therapy, psychological interventions or special education at a
recognised institute.
Autism of Specified Severity must fulfil all of the following
diagnostic criteria and be classified as severity Level 3 (requiring
very substantial support assessed separately for each domain)
based on Diagnostic and Statistical Manual of Mental Disorders
(DSM-5), as certified by the attending registered specialist in
Paediatric Psychiatry or Paediatric Neurology:
(a) Persistent deficits in social communication and social
Manulife CI FlexiCare (Deluxe) v0123
Page 39 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
No
Covered Special CI
Conditions
Definition
interaction across multiple contexts, as manifested by the
following:
• Severe deficits in verbal and nonverbal social communication
skills causing severe impairments in functioning, very limited
initiation of social interactions, and minimal response to social
overtures from others.
(b) Restricted, repetitive patterns of behaviour, interests, or
activities, as manifested by the following:
• Inflexibility of behaviour, extreme difficulty coping with change,
or other restricted/repetitive behaviours markedly interferes with
functioning in all spheres. Great distress/difficulty changing
focus or action.
(c) Symptoms must be present in the early developmental
period.
(d) Symptoms cause clinically significant impairment in social,
occupational, or other important areas of current functioning.
If the life insured is not residing in Singapore at claims stage,
the diagnosis needs to be certified by a registered specialist in
Singapore.
13
Dyslexia of Specified Severity
The coverage of this Special CI conditions benefit will be
provided until the day before the policy anniversary
immediately after the life insured's 18th birthday.
Dyslexia is a language-based learning disability. It is
characterized by difficulties on interpreting the sound
(phonological) components of language. All 3 of the following
criteria must be present and diagnostic of a dyslexia:
• Written evidence/report by a Singapore certified Educational
Psychologist stating the diagnosis of Dyslexia which require
intervention - reading, writing and spelling.
• Written confirmation of having Dyslexia by the school that the
life insured is attending.
• Must be enrolled and placed under Band A in a recognized
Dyslexia literacy program certified by Ministry of Education
(MOE) in Singapore.
Band A covers emergent literacy skills and students who are
assigned to be in this band typically have language or cognitive
weaknesses that co-occur with their dyslexia.
14
Generalised Tetanus
The coverage of this Special CI conditions benefit will be
provided until the day before the policy anniversary
immediately after the life insured's 18th birthday.