Care from the Beginning

Manu CompleteCare

Benefits at a Glance:
100% 100%
Additional lump sum payout of the basic sum insured under the Additional Critical Illness Benefit. Lump sum payout of the basic sum insured under the Comprehensive Critical Illness Benefit or; Lump sum payout of the basic sum insured upon loss of life and Total and Permanent Disability.
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20% of the basic sum insured

as additional lump sum payout under the Special Benefit. Up to 2 claims with no waiting period between claims.

The Plan that Cares

With medical advancements and the growing popularity of periodic health screening, it is increasingly common to detect critical illnesses early. While early diagnosis enhances the chances of a full recovery, it is also important to have a financial plan to help you cope with your expenses incurred during the period of recuperation. From as little as S$1.452 a day, ManuCompleteCare, a critical illness protection plan, is designed to give you financial support for the treatment of critical illnesses, including cancer and heart attack, right from the onset. The payouts from this plan can be used to explore a choice of treatment options as you focus on your recovery. to defray expenses not covered by medical insurance plans.  as income replacement in the event that you are unable to work or prefer to take a break from work due to critical illness.
 This Policy pays an additional 20% of the basic sum insured (capped at S$25,000) in the event the Life Insured is diagnosed as suffering from any one of the covered Special Benefit Conditions. A waiting period of 90 days from the Policy Issue Date or date of last reinstatement, whichever is later, applies to this Benefit. No benefit will be payable for events occurring before or within this waiting period. 2  Premium is based on a male, non-smoker, aged 25 at last birthday, who purchased ManuCompleteCare with policy term up to age 65 for a sum assured of S$50,000. Premium rates are not guaranteed and may be adjusted by Manulife (Singapore) based on future experience.
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Covered Comprehensive
Alzheimers Disease/Dementia Benign Brain Tumor Cardiomyopathy Coma Aplastic Anemia Blindness (Loss of Sight) Chronic Hepatitis with Cirrhosis Coronary Artery Bypass Surgery and other Defined Cardiac Procedures Encephalitis Facial Reconstructive Surgery HIV due to Blood Transfusion, Assault, Organ Transplant & Occupational Acquired HIV Major Burns Motor Neurone Disease Nephrectomy Pulmonary Hypertension Specified Surgical Procedures of Cardiovascular System Surgical Removal of one Lung

Critical Illnesses
Bacterial Meningitis Cancer (including In-Situ/ Early Cancer) Chronic Kidney Disease or Kidney Failure Deafness (Loss of Hearing)

Defined surgical procedures of Central Nervous System End Stage Lung Disease (Chronic) Heart Valve Surgery

End Stage Liver Failure (Chronic) Heart Attack Liver Surgery

Loss of Speech

Major Head or Spinal Trauma Multiple Sclerosis Paralysis (Loss of Limbs) Severe Asthma Stroke Systemic Lupus Erthematosus

Caring for You,

Right from the Beginning

Major Organ/Bone Marrow Transplantation Muscular Dystrophy Parkinsons Disease Severe Epilepsy Surgery to Aorta

ManuCompleteCare pays the basic sum insured3 in the event that the Life Insured is diagnosed as suffering from any one of the covered Comprehensive Critical Illnesses4, which include illnesses that are in the early stages. The lump sum payout from ManuCompleteCare will come in handy as it helps to defray expenses not covered by medical insurance plans. The payout could also be used to pay for your mortgage installments and childrens education fees or to provide replacement of income.
 The minimum and maximum sum insured for the plan is S$30,000 and S$150,000 respectively. 4 There is a waiting period of 90 days from the Policy Issue Date or date of last reinstatement, whichever is later. No benefit will be payable for events occurring before or within this waiting period. This Policy will terminate upon such a claim from any one of the covered Comprehensive Critical Illnesses (CI). If a Comprehensive CI Benefit has been paid before a claim is submitted for a covered Additional Critical Illness, the Policy will terminate and no Additional CI Benefit is payable.
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At the same time, ManuCompleteCare also provides valuable insurance coverage for Total and Permanent Disability5 (TPD) until age 65 and for loss of life6.

 This Policy pays the basic sum insured in the event the Life Insured suffers TPD before the policy anniversary immediately following the Life Insureds 65th birthday. The disability must be for a minimum period of six consecutive months before a claim can be admitted. The policy will terminate upon such a claim. 6  In the event of loss of life of the Life Insured, this Policy will pay the basic sum insured. The policy will terminate upon such a claim. This benefit is not payable if the life insured dies from suicide within 1 year from the policy issue date or date of reinstatement whichever is later.
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Extra Support that You will Need

To further help you lighten the financial burden, ManuCompleteCare offers an additional payout of 100% over and above the basic sum insured when the Life Insured is diagnosed as suffering from any of the covered Additional Critical Illnesses7, which are known to be particularly expensive to treat. The extra financial support will come in very timely, especially for the sole breadwinner.

Special Benefits
ManuCompleteCare provides you with an additional payout of 20% of the basic sum insured8 for covered Special Benefit conditions. The additional payout will help you better manage the incurred medical expenses and lifestyle changes as a result of the illness. A maximum of 2 claims9 can be made under the Special Benefit with no waiting period between claims. In this way, you will not have to worry about your treatment being affected due to delayed payments.

Covered

Special Benefit Conditions

#Dengue Haemorrhagic Fever ^Kawasaki Disease ^Rheumatic Fever with Valvular Impairment ^Type I Juvenile Spinal Amyotrophy Diabetic Complications ^Osteogenesis Imperfecta ^Severe Haemophilia Wilsons Disease

Angioplasty & other Invasive Treatment for Coronary Artery ^Insulin Dependent Diabetes Mellitus Osteoporosis with Fractures ^Severe Juvenile Rheumatoid Arthritis

Covered

Additional Critical Illnesses

Bladder Cancer Brain Cancer Esophagus Cancer Blindness (Loss of Sight) Larynx Cancer Parkinsons Disease

^  The coverage of these conditions will cease at the Policy Anniversary immediately after the 18th birthday of the Life Insured. # Diagnosis of Dengue Fever alone does not meet the definition of this condition.

Alzheimers Disease/Severe Dementia Bone Cancer Leukemia

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 This Policy pays an additional 100% of the basic sum insured if the Life Insured is diagnosed as suffering from any one of the covered Additional Critical Illnesses, provided the Life Insured has survived for a period of thirty (30) days from the date of diagnosis. A waiting period of 90 days from the Policy Issue Date or date of last reinstatement, whichever is later, applies to this Benefit. No benefit will be payable for events occurring before or within this waiting period.

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Refer to footnote 1.  The 2 claims must not be for the same covered Special Benefit Condition.

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ManuCompleteCare

for You and Me

Almost anyone can enjoy the comprehensive benefits of ManuCompleteCare. L  ife Insured has to be between the ages of 1 month and 65 years old at the time of application.
Entry Age* 1 month 55 1 month 65 Policy Term Up to age 65/75/85 Up to age 75/85

Designed to offer financial support for the treatment of critical illness and to supplement loss of income, ManuCompleteCares coverage allows you to focus on recovery without having to worry about the additional expenses burdening your loved ones. Speak to your Manulife Representative today or call 6833 8188 to find out more about ManuCompleteCare.

* Age refers to age at last birthday

P  remiums payable are based on the Life Insureds entry age10. Therefore, the earlier you start this plan, the lower your premium payable.
Illustrative Example 1 Mr. Tan is a 25-year-old non-smoker, who has ManuCompleteCare that covers him till age 65. For a basic sum insured of S$50,000, he pays an annual premium of S$528.50 (S$1.45 per day). At age 32, he is diagnosed with Dengue Haemorrhagic Fever while holidaying in Thailand. He recovers from this and makes a Special Benefit claim. Manulife (Singapore) pays him S$10,000 (20% of the basic sum insured). At age 40, during a routine health check, he is found to have serious cardiac arrhythmia. He is then treated with an insertion of a cardiac pacemaker. He makes a Comprehensive Critical Illness claim and Manulife (Singapore) pays him the basic sum insured of S$50,000. His policy terminates thereafter. Mr. Tan pays: 15 years x S$528.50 = S$7,927.50 Manulife (Singapore) pays: S$10,000 + S$50,000 = S$60,000

Important Notes ManuCompleteCare is underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D), a Manulife Financial company. Buying health insurance products that are unsuitable may impact your ability to finance your future healthcare needs. You may wish to seek the advice of a financial adviser before making a commitment to purchase the policy. In the event that you choose not to seek advice from a financial adviser, you should consider carefully whether this policy is suitable for you. It is usually detrimental to replace an existing insurance policy with a new one. You may be disadvantaged as the new policy may cost more or have fewer benefits at the same cost. This marketing material is for general information only. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the policy. The specific details applicable to this insurance policy are set out in the policy contract. This policy is protected under the Policy Owners Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your 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 the coverage, where applicable, please contact Manulife (Singapore) Pte. Ltd. or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg). This marketing material is also available in Chinese. In case of discrepancy between the English and Chinese versions, the English version shall prevail. Information is correct as at 1 August 2013.

Illustrative Example 2 Mrs. Lee is a 40-year-old non-smoker, who has ManuCompleteCare that covers her till age 85. For a basic sum insured of S$150,000, she pays an annual premium of S$4,380 (S$12 per day). At age 47, she is diagnosed with Brain Cancer. Her doctor classifies her cancer as late stage and recommends aggressive medical intervention. She is able to make claims under both the Comprehensive Critical Illness Benefit and Additional Critical Illness Benefit. Manulife (Singapore) pays her a total of S$300,000 (200% of the basic sum insured). The payout goes a long way to help to alleviate her treatment expenses. Her policy terminates thereafter. Mrs. Lee pays: 7 years x S$4,380 = S$30,660 Manulife (Singapore) pays: 200% x S$150,000 = S$300,000
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 Premium rates are not guaranteed. Manulife (Singapore) reserves the right to change the premium rates by giving 30 days notice.

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About

Manulife Financial

Manulife Financial is a leading Canadian-based financial services group operating in 22 countries and territories worldwide. For more than 120 years, clients have looked to Manulife for strong, reliable, trustworthy and forward-thinking solutions for their most significant financial decisions. Our international network of employees, financial planners and distribution partners offers retirement, financial protection and wealth management products and services to millions of clients. We provide asset management services to institutional customers worldwide as well as reinsurance solutions, specializing in property and casualty retrocession. Manulife Financial has operated in Asia since 1897, leading the way in providing financial security for millions of customers in the region through protection and wealth management products in 11 countries. Our strong and stable capital level enables us to sustain high credit ratings, finance new opportunities and most importantly maintain our commitment to our policyholders. Manulife Financial Corporation trades as MFC on the TSX, NYSE and PSE, and under 945 on the SEHK. Manulife Financial can be found on the Internet at www.manulife.com

Manulife (Singapore) Pte. Ltd., Reg No. 198002116D A Manulife Financial Company Main Office: Manulife Centre, 51 Bras Basah Road, #09-00, Singapore 189554 Tel: 6737 1221 Client Service Centre: #01-02C, Manulife Centre (Entrance off Waterloo Street) Tel: 6833 8188 Website: www.manulife.com.sg Retirement Microsite: www.manuliferetirement.sg

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Manulife Financial and the block design are registered service marks and trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates, including Manulife Financial Corporation.

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