Manulife Early CompleteCare

Footnotes:

*Only applicable to Deluxe plan

1. In the event of death of the life insured, this plan will pay the higher of:

(a) total premiums paid to date for basic plan less any CI claims paid^; or

(b) 8 times of annual mode premium for basic plan.

The policy will terminate upon death.

^ CI claims paid refers to the total claims amount that we have paid under the Comprehensive CI Benefit, Cover Me Again Benefit (where applicable), Recurring/Relapse Major CI Benefit, (where applicable) and Continuous Cancer Income Option (where applicable).

2. Basic sum insured refers to the sum insured amount selected at policy inception for the basic policy that is used to compute the benefits of the policy.

3. 100% of basic sum insured will be payable upon diagnosis of a critical illness after 12 claim-free months from the last CI claim or first payment start date of Continuous Cancer Income Option (where applicable), subject to:

(a) a maximum of 4 claims, and 

(b) the new diagnosed condition not having been claimed under the basic plan.

4. Covers the following:

(i) Persistent major cancer

(ii) Recurring heart attack of specified severity

(iii) Recurring stroke with permanent neurological deficit

(iv) Repeated open heart valve surgery

(v) Repeated major organ/Bone marrow transplant

(vi) Repeated coronary artery by-pass surgery

5. 100% of basic sum insured will be payable upon diagnosis of a recurring/relapse condition after 24 claim-free months from the last CI claim or first payment start date of Continuous Cancer Income Option (where applicable), subject to a maximum of 2 claims. If Continuous Cancer Income Option is exercised, the maximum benefit payable will be reduced from 2 claims to 1 claim, providing coverage for all the covered recurring/relapse conditions except Persistent Major Cancer.

6. This option can only be exercised once and the option is no longer applicable if the Recurring/Relapse Major CI Benefit has been fully claimed. To exercise this option,

(i) the life insured must be diagnosed with advanced stage major cancer leading to a claim paid under the Comprehensive CI Benefit or Cover Me Again Benefit at least 12 months ago;

(ii) there should be no diagnosis of a condition covered under the Cover Me Again Benefit or Recurring/Relapse Major CI Benefit within the last 12 months leading to a claim paid; 

(iii) there should be no claim made for Persistent Major Cancer condition under the Recurring/Relapse Major CI Benefit; and

(iv) the life insured is currently undergoing active cancer treatment or palliative care in Singapore.

The monthly income is no longer payable upon the death of the life insured.

Please refer to the Product Summary for the other terms and conditions that apply.

7. The life insured must stay in ICU or ICU plus HDU for 4 consecutive days or more from the date of admission in one hospital admission in Singapore.

8. Each of the conditions can only be claimed once, subject to a maximum of 6 claims per policy.

9. We will only pay one CI claim per child per policy.

Important Notes

Manulife Early CompleteCare and its supplementary benefits are underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 19802116D). This website has not been reviewed by the Monetary Authority of Singapore. Premiums are not guaranteed and may be adjusted based on future claims experience. Manulife reserves the right to vary premiums at any time by giving 30 days’ written notice to the policyowner before doing so. Buying health insurance products that are unsuitable for you may affect your ability to finance your future healthcare needs. This website is for your information only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. You can find the full terms and conditions, details, and exclusions for the mentioned insurance product(s) in the policy contract. If there are any differences between the English and Chinese versions of this brochure, the English version will apply.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

We recommend that you seek advice from a Manulife Financial Consultant or our Appointed Distributors before making a commitment to purchase a policy.

Information is correct as at 16 February 2025.