Explore comprehensive critical illness coverage with Manulife Early CompleteCare

Footnotes

Terms and conditions apply. Please refer to the Product Summary for specific definitions.

^a Only applicable to Deluxe plan

¹ 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.

² In the event of death of the life insured, this plan will pay the higher of:

1. total premiums paid to date for basic plan less any CI claims paid; or
2. 8 times of annual mode premium for basic plan.

The policy will terminate upon death.

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

2. the new diagnosed condition not having been claimed under the basic plan.

⁴ Covers the following:

1. Persistent major cancer
2. Recurring heart attack of specified severity
3. Recurring stroke with permanent neurological deficit
4. Repeated open-heart heart valve surgery
5. 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⁶ This option can only be exercised once, and the option is no longer applicable if the Recurring/Relapse Major CI Benefit has been fully claimed.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,

1. 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;
2. 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;
3. there should be no claim made for Persistent Major Cancer condition under the Recurring/Relapse Major CI Benefit; and
4. 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.

¹⁰ Covers 126 CI conditions across early, intermediate and advanced stages.

¹¹ Recurring/Relapse Major CI Benefit will no longer cover Persistent Major Cancer condition.

¹² Manulife will request for medical proof of the life insured receiving active cancer treatment or palliative care at every 12-month interval. Manulife reserves the right to terminate or suspend any benefit if such evidence is not provided before the stipulated period.

Disclaimers
The information herein is published by DBS Bank Ltd (“DBS Bank”) and is for general information only and should not be relied upon as financial advice. This publication may not be reproduced or communicated to any other person without prior written permission. This website does not take into account the specific investment objectives, financial situation or needs of any particular person. Before entering into any transaction involving any product mentioned in this website, where applicable, you should seek advice from a financial adviser regarding its suitability for your own objectives and circumstances. If you choose not to do so, you should make an independent assessment and do your own due diligence on the product. This advertisement has not been reviewed by the Monetary Authority of Singapore. The website herein is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.

In Collaboration with Manulife
Manulife Early CompleteCare is issued and underwritten by Manulife (Singapore) Pte. Ltd. ("Manulife") (Reg. No. 198002116D) and distributed by DBS. It is not an obligation of, deposit in or guaranteed by DBS. It is not an obligation of, deposit in or guaranteed by DBS. This advertisement has not been reviewed by the Monetary Authority of Singapore.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (“SDIC”). Coverage for the 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 Manulife or visit the Life Insurance Association or SDIC website (www.lia.org.sg or www.sdic.org.sg).

Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$100,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Information is correct as at 1 Oct 2025.

DBS Insurance Important Notes