CancerCare (II)

At a Glance

^NEW! Up to S$250,000 payout for any stage of cancer

^NEW! Upon cancer diagnosis, get up to 5 years free coverage for remaining policy benefits, including death benefit

Apply easily online, no health check-up required

Get this planCancer can happen at any age. As critical illness claims have increased by 58% among young adults¹, early protection is more important than ever.CancerCare offers a lump sum payout in the event of cancer diagnosis. This provides a financial cushion for daily expenses or medical treatments not covered by other health insurance, allowing you to focus on recovery.What can you tell about a person, by their age? Watch the video to reveal a surprising truth.

How cancer affects lifeA critical illness like cancer doesn't just affect the patient; it also impacts the lives of their family and loved ones.A young survivor’s storyDiagnosed with breast cancer at age 25, Lay Teng shares how a critical illness plan provided financial relief, letting her focus on regaining her health, while navigating the challenges of motherhood.A caregiver’s storyBecoming a caregiver while still in university changed Corrinne’s life. While her extended family provided financial support, she had to balance between studies and taking care of her father.

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Safeguard your finances with CancerCare (II)

Features & BenefitsOn top of the potential loss of income, cancer patients incur a staggering amount of treatment expenses during the recovery period. Treatment for later-stage cancer can range from S$100,000 to S$200,000 per year².CancerCare (II) provides coverage of up to S$250,000³ to ease financial worries so that recovery remains the focus. Premiums start from S$11.57/month⁴ (before prevailing promotions) and may be revised based on the attained age at the start of renewal every 5 years, up to the age of 84.

Cancer benefit³

100% payout of sum insured upon diagnosis of any stage of cancer, up to S$250,000³.

Plan type	Sum insured
Headstart	S$50,000
Essential	S$100,000
Advantage	S$150,000
Supreme	S$200,000
Elite	S$250,000

Automatic extension of benefits

Upon cancer diagnosis, get up to 5 years⁵ free coverage for remaining policy benefits, including death benefit.

Specified cancer treatment benefit

A one-time payout of 20% of the cancer benefit sum insured in the event the life insured is undergoing any of the specified cancer treatments⁶ in Singapore as advised by the Medical Examiner.

Plan type	Sum insured
Headstart	S$10,000
Essential	S$20,000
Advantage	S$30,000
Supreme	S$40,000
Elite	S$50,000

Coverage for children

A lump sum payout⁷ in the event that the child of the life insured is diagnosed with advanced stage cancer.

Plan type	Sum insured
Headstart	S$5,000 per child
Essential	S$5,000 per child
Advantage	S$10,000 per child
Supreme	S$10,000 per child
Elite	S$10,000 per child

Death benefit⁸

A lump sum payout in the event of death of the life insured.

Plan type	Sum insured
Headstart	S$5,000
Essential	S$10,000
Advantage	S$15,000
Supreme	S$20,000
Elite	S$25,000

Please refer to the Sample Policy Contract for the precise terms, conditions and exclusions.

How it works

At age 40

John purchases a CancerCare Advantage plan
He pays a monthly premium of S$41.46⁹ for the first 5 years

At age 43

John is diagnosed with cancer
He receives the Cancer Benefit payout of S$150,000³ in a lump sum and the policy terminates

Who is eligible?


Age	Between 18 and 65 years (based on your last birthday)
Place of residence	Singapore citizen or Singapore Permanent Resident who is residing in Singapore

Apply nowYou need to have a DBS/POSB Savings or Current account to get our CancerCare plan. Apply here if you don’t have one yet. Remember to apply for digibank access.Getting a CancerCare plan is simple and fully digital! Answer just 1 health question, no health check-ups required.Get this planPractise good money habits

Money habits are regular, achievable steps that add up to a financial plan. When it comes to protection, a good money habit is getting coverage like CancerCare early and topping up when needs change.For critical illness, experts recommend getting covered for 4x your annual income.Aside from critical illness and cancer, consider coverage in key areas like health, life, mortgage reducing term assurance, disability, and general insurance, to mitigate life risks that could derail your financial plan.Protecting against large medical bills is one of 4 Money Habits we encourage. Learn more good habits here.Consider coverage in 6 key areas (health, life, critical illness & cancer, mortgage reducing term assurance, disability, and general insurance) to mitigate life risks that could derail your financial plan.Alternatively, speak to our Wealth Planning ManagersContact me

Get more Benefits

Earn bonus interest on your DBS Multiplier Account with all Manulife protection or endowment plans distributed by DBS for 12 consecutive months. Find out more.No minimum regular or single premium amount is required. Earn bonus interest for 12 months consecutively.

How to ClaimPlease visit Manulife’s claim portal to view the list of documents required for submission and submit your claim online.

Frequently Asked QuestionsPlease refer to the full list of Frequently Asked Questions here.

Can I choose how long I would like to be covered?

You will be covered for 5 years after which the policy will automatically renew every 5 years. The maximum renewal age is 84. At the last renewal before the expiry of this policy, the renewed term will only be for the remaining years up to the policy anniversary immediately following the 85th birthday of the life insured.

If the life insured is diagnosed with a covered cancer, this policy will automatically be extended for 5 years from the date of diagnosis of the cancer or until age 85 of the life insured, whichever is shorter.

Is there any cash value when I surrender my CancerCare (II) policy?

No, this product does not have cash value or surrender value as it is a pure protection plan.

Is there any waiting period for cancer benefit, specified cancer treatment benefit and advanced stage cancer of a child benefit to be payable?

Yes, there is a 90-day waiting period from the policy issue date or date of reinstatement of the policy, whichever is latest. Waiting period is the time specified which must pass before the coverage begins.

Is there any survival period for cancer benefit and specified cancer treatment benefit to be payable?

Yes, there is a 7-day survival period. The life insured must survive for at least 7 days from the date of diagnosis of a cancer. Otherwise, only the death benefit shall be payable.

What are the exclusions for cancer benefit and specified cancer treatment benefit?

We will not pay the cancer benefit and specified cancer treatment benefit if:

the life insured did not survive for at least 7 days from the date of diagnosis of the cancer; or
the date of diagnosis of the cancer is within 90 days from the policy issue date or the date of reinstatement of this policy, whichever is latest; or
they are in the presence of Human Immunodeficiency Virus (HIV), Acquired Immunodeficiency Syndrome (AIDS) or any AIDS-related condition; or
the cancer is due to a pre-existing cancer.

Contact UsFor product related enquiries, you can email Manulife at service@manulife.com. If you are facing technical difficulties, you may explore our live chat service in DBS/POSB digibank online.

Footnotes:
¹ Based on data collected by Manulife, for adults 35 and below 2018 - 2023, as of 2024.² Source: Ming Feng. “Can You Afford Cancer Treatment? An Insight On The True Cost Of Cancer Treatment In Singapore”. Seedly. October 13, 2021. https://blog.seedly.sg/true-cost-cancer-treatment-singapore/³ We will not pay the cancer benefit if: the life insured did not survive for at least 7 days from the date of diagnosis of a cancer; the date of diagnosis of a cancer is within 90 days from the policy issue date or the date of reinstatement of this policy, whichever is later; if the life insured has contracted Human Immunodeficiency Virus (HIV), Acquired Immunodeficiency Syndrome (AIDS) or any AIDS-related condition; or if cancer was pre-existing.⁴ This premium amount is based on Headstart plan for a male, non-smoker, aged 18. The premium amount is for the first 5 years and will be revised after 5 years based on attained age at the start of each renewal.⁵ Upon the diagnosis of cancer, the policy will automatically extend: (i) for 5 years from the date of diagnosis of cancer; or (ii) until age 85 of the life insured, whichever is shorter. Premiums will cease during this period. The policy will terminate upon the life insured’s death, 5 years from the cancer diagnosis or age 85, whichever happens first.⁶ Specified cancer treatments refer to any of the following:

Proton Therapy

Clinical Trial Cancer Drug Treatment

Off-Label Cancer Drug Treatment

Cell, Tissue and Gene Therapy

CAR-T Cell Therapy

Stem Cell Transplant

Please refer to policy contract for definitions of the cancer treatments.⁷ The age of the life insured’s child must be between 30 days and 17 years old when Advanced Stage Cancer was diagnosed. Only the biological or legally adopted child of the life insured is eligible. Stepchildren are not entitled to this benefit. The maximum number of claims is 2 times and each claim must be on a different child. This benefit is capped at SGD 40,000 per child and no more than SGD 80,000 per family regardless on the number of policies held by life insured⁸ We will not pay the death benefit if: the life insured dies from suicide or due to a pre-existing condition within one year of the policy issue date or the effective date of the most recent reinstatement of the policy, whichever is later. We will refund all premiums paid without interest and less any medical or other expenses we have paid in connection with the policy.⁹ The premium amount is calculated based on a male aged 40, non-smoker. Please refer to the Product Documents for the Policy Illustration and Product Summary.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
CancerCare (II) 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.

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 websites (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 20 Jul 2025DBS Insurance Important Notes

Important Information