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| Event | Timeline to notify DBS | Required documents |
|---|---|---|
| Terminal Illness, Critical Cancer, Early Cancer | Within 30 days of the diagnosis | Proof of date of birth, details of illness, and address |
| Total and Permanent Disability | Within 120 days of the disability | Proof of date of birth, details of illness, and address |
| Death | Within 30 days of the Life insured’s passing | Death certificate and proof of date of birth |
| Type of claim | Type of medical report | Supporting documents |
|---|---|---|
| Terminal Illness | Terminal illness APS | Relevant lab test, Histology Report and any other documents which we may require for our claim review |
| Cancer, Early Cancer | Cancer APS | Relevant lab test, Histology Report and any other documents which we may require for our claim review |
| Total and Permanent Disability | Disability APS | Relevant lab test and any other documents which we may require for our claim review |
| Death | Death APS | Any other documents which we may require for our claim review |
Frequently Asked Questions
No, CardCare Protector automatically covers the amounts charged to all the credit cards that you hold at the point of application, including supplementary cards.
You pay just S$0.58 for every S$100 in credit card bills incurred by you. Premiums are charged on a monthly basis for each of the credit cards that you hold.
Example:
- Statement billing cycle on 3rd of the month: CardCare Protector premiums will be based on your credit card bill for transactions between 3rd of the previous month to 2ndof the billing month
- Statement billing cycle on 15th of the month: CardCare Protector premiums will be based on your credit card bill for transactions between 15th of the previous month to 14th of the billing month
You will see the premiums charged in your monthly credit card statement. Simply pay your credit card bill like how you usually do; there is no need to pay for CardCare Protector Premiums separately.
For example, if you hold 2 credit cards (DBS Altitude Card and POSB Everyday Card), this is what your credit card bill could look like:
| DBS Altitude Card | POSB Everyday Card | |
|---|---|---|
| Credit card total transaction amount for the billing month | S$1,000 | S$800 |
| CardCare Protector premium amount | S$5.80 | S$4.64 |
| Total credit card bill | S$1,005.80 | S$804.64 |
The plan covers cancer of the following:
| For females | For males | |
|---|---|---|
| Critical Cancer Benefit and Early Cancer Benefit |
|
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| Early Cancer Benefit only |
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Yes, there is a 90-day waiting period from the policy effective date to claim under the Early Cancer Benefit and Critical Cancer Benefits. Waiting period is the time specified which must pass before the coverage begins.
No, only one claim can be made. Once a claim has been paid out, the policy will terminate.
No. This policy has no cash value.
Manulife will not pay benefits if the claimed event is/ is a result of:
- Pre-existing conditions;
- Participation in competitive racing of any kind other than on foot;
- Over-indulgence in alcohol;
- Drug-taking unless taken under the direction of a registered medical practitioner
Please refer to the Certificate of Insurance (COI) for the full list of exclusions.
