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diagnosis is within 90 days from the policy issue date or the most recent reinstatement date of
this policy, whichever is the latest.
28.
Exclusions
(a) We will not cover and pay the comprehensive CI benefit, advanced stage CI booster and
special CI conditions benefit if the illness or condition is caused by or arises from any one of
the following:
(i) any self-inflicted injury, provoked assault or attempted suicide, whether the life insured is
sane or insane;
(ii) the life insured is being under the influence of any narcotic, alcohol, gas or fumes, voluntarily
taken, administered, absorbed or inhaled or drugs not prescribed by a medical examiner;
(iii) infection from any Human Immunodeficiency Virus (HIV), Acquired Immunodeficiency
Syndrome (AIDS) or any AIDS-related condition unless such infection can fully fulfil the
definition of HIV Due to Blood Transfusion and Occupationally Acquired HIV under item 15
of Appendix A in this basic benefit contract;
(iv) donation of any of the life insured’s organs; or
(v) any pre-existing condition.
(b) We will not cover and pay the serious illness of the child benefit, if the illness of the child is
caused directly or indirectly, wholly or partly by any pre-existing condition, before:
(i) the policy issue date; or
(ii) the most recent reinstatement date of this policy,
whichever is the latest, unless the condition or illness had been declared and accepted by us.
(c) We will not cover and pay the recovery care plus benefit if the illness or condition of the life
insured is caused by or arises directly or indirectly, wholly or partly from any one of the following:
(i) any self-inflicted injury, provoked assault or attempted suicide, whether the life insured is
sane or insane;
(ii) the life insured is being under the influence of any narcotic, alcohol, gas or fumes,
voluntarily taken, administered, absorbed or inhaled or drugs not prescribed by a medical
examiner;
(iii) infection from any Human Immunodeficiency Virus (HIV), Acquired Immunodeficiency
Syndrome (AIDS) or any AIDS-related condition unless such infection can fully fulfil the
definition of HIV Due to Blood Transfusion and Occupationally Acquired HIV under item 15
of Appendix A in this basic benefit contract;
(iv) donation of any of the life insured’s organs;
Manulife CI FlexiCare (Deluxe) v0123
Page 10 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
(v) any pre-existing condition;
(vi) overseas medical treatment;
(vii) pregnancy or complications from pregnancy, childbirth, abortion, miscarriage, prenatal or
postnatal care, birth control, sterilisation and treatment or tests pertaining to fertility;
(viii) psychological disorders, personality disorders, mental conditions or behavioural disorders,
including any addiction or dependence arising from these disorders such as gambling or
gaming addiction;
(ix) elective cosmetic or plastic surgery for purposes of beautification except constructive surgery
to treat functional defect due to Injury sustained;
(x) treatments for obesity, weight reduction or weight improvement;
(xi) medical or surgical procedures which are experimental in nature or not generally accepted
as standard medical treatment by the medical profession;
(xii) sex-change operations;
(xiii) war or any act related to it, or service in the armed forces or in a civil defence force supporting
any country at war;
(xiv) riot, insurrection, civil commotion, strikes, or terrorist activities except as a victim; or
(xv) injuries arising while engaging in hazardous sports such as speed racing (boat, horse or
automobile), mountaineering or rock climbing necessitating the use of guides or ropes, skiing
or any kind including jet-ski, skating sport, parachuting (unless trying to save human life),
ballooning, hang gliding, bungee-jumping, and underwater activities involving the use of
breathing apparatus.
Manulife CI FlexiCare (Deluxe) v0123
Page 11 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
Manulife CI FlexiCare (Deluxe)
Appendix A
Critical Illness Definitions
Conditions
1. Alzheimer's
Disease/Sever
e Dementia
2. Persistent
Vegetative
State (Apallic
Syndrome)
Early Stage
Diagnosis of Dementia
including Alzhemier’s
Disease
Diagnosis of dementia by
neurological assessment
by an appropriate
specialist confirming
cognitive impairment
characterized by a Mini
Mental State Examination
score of 24 or less out of
30 (20 to 24 out of 30) as
assessed by 2
neuropsychometric tests
performed 6 months apart