Manulife Early CompleteCare

At a Glance

Continued protection in the event of multiple and recurring critical illness diagnosis

Cancer income option that eases the financial burden of cancer treatment

Flexible solutions to suit your budget and needs

Enjoy comprehensive critical illness coverage, offering financial security and peace of mind with extensive benefits for you and your family.

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Features & Benefits

Event	Benefit
Comprehensive Critical illness (CI) coverage	Receive a 100% payout of the basic sum insured⁸ for all stages of critical illness, covering 126 conditions including coma, dementia, diabetes, major cancer, and more
Continuous Cancer Income Option^a	In the event of a cancer diagnosis, you can choose to receive a monthly payout of 4% of the basic sum insured for up to 60 months⁴, to help cover daily living expenses, bills and costs associated with cancer treatment or palliative care
Cover Me Again Benefit^a	After the first claim, you can make up to 4 subsequent claims⁵ for the diagnosis of 4 different critical illnesses
Recurring/ Relapse Major CI Benefit^a	After your initial claim, you can make up to 2 additional claims^6,7 for the recurrence of 6 advanced stage critical illness conditions

How It Works

Footnotes

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

^a Only applicable to Deluxe plan

¹ 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.

² Covers 126 CI conditions across early, intermediate and advanced stages.

³ 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.

⁴ This option can only be exercised once, and the option is no longer applicable if the Recurring/Relapse Major CI Benefit has been fully claimed.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,

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

⁵ 100% 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.

⁶ Covers the following:

Persistent major cancer
Recurring heart attack of specified severity
Recurring stroke with permanent neurological deficit
Repeated open heart valve surgery
Repeated major organ/Bone marrow transplant (vi) Repeated coronary artery by-pass surgery

⁷ 100% 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 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.