eCriticalCare

eCriticalCare

At a Glance

Up to S$300,000 payout for unexpected illnesses¹

Covers ICU hospitalisation & 37 critical illnesses¹

Apply easily online, no health check-up required

Critical illness can strike when we least expect it. With claims among young adults² increasing by 58% in the last few years, getting early protection is more important than ever. By protecting early, you enjoy lower premiums and may be subject to fewer health exclusions.

eCriticalCare helps you cushion against the ﬁnancial impact of critical illness, letting you focus on your recovery and take the strain oﬀ your loved ones.

This plan is applicable for all Singapore Citizens, Singapore Permanent Residents and those residing in Singapore who are between 18 and 60 years old.

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Features & Benefits

Customise your coverage amount to suit your protection needs: Between S$50,000 and S$300,000.

Flexible Policy Term: Between 10 and 40 years, in multiples of 5 years, up to age 85.

Aﬀordable Premiums: From only S$5.72/mth³.

Event	Benefit	Payout amount
Diagnosis of any of the 37 covered critical illnesses such as Major Cancer and Heart Attack of Speciﬁed Severity¹	Critical Illness Beneﬁt	100% of coverage amount
Hospitalisation in the Intensive Care Unit (ICU) or High Dependency Unit (HDU)⁴ for at least 5 consecutive days	Recovery Care Beneﬁt⁵	30% of coverage amount
Death⁶	Death Beneﬁt	20% of coverage amount

Find out more about the features and exclusions of this policy.

How It Works

Who is eligible?


Age	Between 18 and 60 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 eCriticalCare plan. Apply here if you don’t have one yet. Remember to apply for digibank access.
Getting an eCriticalCare plan is simple and fully digital!Get this plan

Get more Benefits

Earn bonus interest on your DBS Multiplier Account with all Manulife protection or endowment plans distributed by DBS. Find out more.

No minimum regular or single premium amount

Pay with cash or SRS^

Earn bonus interest for 12 months consecutively

^Selected policies only

Frequently Asked Questions

Which stage of critical illnesses does eCriticalCare cover?

eCriticalCare provides coverage for 37 advanced stage critical illnesses (CI). Upon diagnosis of any of the 37 covered CI listed in the contract while the policy is in-force, we will pay 100% of the coverage amount.

For Angioplasty and Other Invasive Treatment for Coronary Artery, we will advance 10% of the coverage amount, capped at S$25,000 and you will continue to be covered.

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

Does this policy pay based on my medical expenses due to ICU hospitalisation

No. 30% of the coverage amount will be paid in advance under the Recovery Care Benefit in the event that admission to an ICU of a hospital for a total of 5 consecutive days (including HDU if required) as medically required. The policyholder can then use this payout to cover loss of income for time taken off work to recover or other expenses incurred during recovery.

If the policyholder is diagnosed with a critical illness and then passes on, will both Critical Illness and Death Benefit be paid out?

No. If the life insured is diagnosed with a critical illness and survived for at least 7 days from date of diagnosis or date of treatment (depending on CI), the critical illness benefit will be paid out and the policy terminates. Otherwise, only the death benefit shall be payable.

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

Can foreigners apply?

Foreigners who are Singapore permanent residents may apply. Do refer to the Frequently Asked Questions relating to Eligibility & Underwriting.

How can I terminate my policy?

You may write in to [email protected] to terminate your policy and there will be no cash value if you choose to do so.

Who can I contact if I have further queries?

If you have further product-related enquiries, please email Manulife at [email protected]. If you are facing technical difficulties, you may explore our live chat service in DBS/POSB digibank online.

Footnotes:¹ 100% of the coverage amount will be paid upon diagnosis of any one of the 37 covered critical illnesses (apart from Angioplasty and Other Invasive Treatments for Coronary Artery in which we will advance 10% of the coverage amount, capped at SGD 25,000 and you will continue to be covered). Please refer to Sample Policy Contract for more details.² Based on data collected by Manulife, for adults 35 and below 2018 - 2023, as of 2024.³ This premium amount is calculated based on a male non-smoker aged 18 with coverage amount of S$50,000 for a policy term of 10 years. .⁴ High Dependency Unit (HDU) is one level of care below that of an Intensive Care Unit (ICU).⁵ This beneﬁt can only be claimed once. The coverage amount will be reduced by the amount paid under the Recovery Care Beneﬁt. Please refer to Sample Policy Contract for more details.⁶ In the event of death, 20% of the coverage amount will be paid. Please refer to Sample Policy Contract for more details.DisclaimersThe 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 ManulifeeCriticalCare 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 1 Apr 2025.

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