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Tetanus is an illness characterised by an acute onset of
hypertonia, painful muscular contractions (usually including the
muscles of the jaw and neck), and generalised muscle spasms
caused by tetanus toxin that is produced by Clostridium tetani
bacterium infection. The diagnosis of generalized tetanus due
to tetanus toxin must be confirmed by a consultant physician.
Only cases with all the following criteria will qualify for this
benefit:
• Constant mechanical ventilation is instituted for at least three
(3) days as a medically necessary treatment for Generalized
Tetanus due to tetanus toxin; and
• Tetanus Immune Globulin is administered.
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Glomerulonephritis with
Nephrotic Syndrome
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.
A confirmed diagnosis of glomerulonephritis with nephrotic
syndrome by a nephrologist, evidenced by > 3.5 grams protein
in urine per day, low serum albumin value and peripheral
Manulife CI FlexiCare (Deluxe) v0123
Page 40 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
No
Covered Special CI
Conditions
Definition
edema. The syndrome must have continued for a period of at
least 6 months with or without intervening periods of remission
and the insured must have received a treatment regimen
appropriate to the clinical presentation over this period of time.
Other forms of kidney disease are not covered.
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Insulin Dependent Diabetes
Mellitus
Kawasaki Disease
Osteogenesis Imperfecta
Rabies
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.
This is characterised by polydipsia, polyuria, increased appetite,
weight loss, low plasma insulin levels, episodic ketoacidosis,
and immune mediated destruction of pancreatic beta cells.
Insulin therapy and dietary regulation are necessary.
Dependence on insulin therapy must persist for not less than
6months. Type II
Diabetes Mellitus is specifically excluded. Diagnosis must be
confirmed by a Specialist.
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.
This is acute, febrile and multisystem disease of children,
characterised by nonsuppurative cervical adenitis, skin and
mucous membrane lesions. Diagnosis must be confirmed by a
Specialist and there must be echocardiograph evidence of
cardiac involvement manifested by dilatation or aneurysm
formation of at least 5mm in the coronary arteries which persists
for 12 months after the initial acute episode.
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.
This is characterised by brittle, osteoporotic, easily fractured
bone. The life insured must be diagnosed as a type III
Osteogenesis Imperfecta confirmed by the occurrence of all of
the following conditions:• the result of physical examination of the life insured by a
Specialist that the life insured suffers from growth retardation
and hearing impairment; and
• the result of x-ray studies reveals multiple fracture of bones
and progressive kyphoscoliosis; and
• positive result of skin biopsy.
Diagnosis of Osteogenesis Imperfecta must be confirmed by a
Specialist. 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.
Rabies is an infectious disease of dogs, cats, and other animals,
transmitted to humans by the bite of an infected animal. It has to
be evidenced by: