Life is more blissful, when your mind is at ease
mEase
Benefits at a Glance:
Covers 37 Critical Illnesses (CI), Total and Permanent Disability
(TPD) and loss of life. Flexibility of coverage is based on your
needs.
Option to convert to regular premium whole life, endowment or
investment-linked policy, providing similar cover, from Manulife
(Singapore) Pte. Ltd. without evidence of health.
Waiver of subsequent premiums upon TPD/CI claim with rider(s)
attached. Life coverage continues.
Finding solace with ease,
in every way possible
In today’s hectic world, we look for ways to set our mind at ease with whatever
means possible. Some people opt for healthy activities such as Yoga and Pilates
while for others, it’s herbal tea and health food. But one thing is clear, with peace
of mind, you can take on the challenges of life with more confidence.
As such, it becomes equally important for us to take concrete steps to make sure
life does not go out of gear should we find ourselves struck with a severe illness.
In fact, it is only through proper planning that we can make sure our way of life is
protected when things do not go exactly as anticipated.
mEase Plan
02
Critical coverage
that everyone needs
A comprehensive plan that provides coverage against 37 critical illnesses, mEase
is designed to protect your lifestyle and income. This will help your family tide over a
period of income loss, especially important if you are the sole breadwinner. Should
the need arise, you can also use the proceeds from the plan to seek treatment.
The plan covers death and critical illnesses until age 75 while also offering
protection against Total and Permanent Disability (TPD) until age 65.
mEase pays out the sum insured1 in one lump sum upon the diagnosis of any of 36
covered critical illnesses. For Angioplasty & other Invasive Treatment for Coronary
Artery, 10% of the sum insured will be advanced.
In addition, mEase advances the sum insured in the event of TPD. In the unfortunate
event of death, a Compassionate Death Benefit of S$10,000 will be payable.
mEase can also be bundled with the mEase Life Rider for a more comprehensive
protection of your lifestyle. With mEase Life Rider, an additional sum covering
death will be paid on top of the Compassionate Death Benefit. mEase Life Rider
also waives subsequent premiums2 under mEase if the insured suffers TPD or is
diagnosed with any of the covered critical illnesses3. Hence the insured is able to
concentrate on recovery, knowing that premium payments are already taken care
of while continuing with the life coverage.
What’s more, the premiums you pay are levelled at entry age.4 You will hence
enjoy a lower premium when you purchase this plan at an earlier age.
List of 37 Covered Critical Illnesses
1. Major Cancers
14. Major Burns
27. Bacterial Meningitis
2. Heart Attack of Specified Severity
15. Major Organ/Bone Marrow
Transplantation
28. Major Head Trauma
3.Stroke
16. Multiple Sclerosis
29. Systemic Lupus
Erythematosus
with Lupus Nephritis
4. Coronary Artery By-pass Surgery
17. Muscular Dystrophy
30. Angioplasty & other
Invasive Treatment for
Coronary Artery5
5. Kidney Failure
18. Viral Encephalitis
31. Paralysis (Loss of Use of Limbs)
6. Aplastic Anaemia
19. Parkinson’s Disease
32. Progressive Scleroderma
7. Blindness (Loss of Sight)
20. Surgery to Aorta
33. Apallic Syndrome
8. End Stage Lung Disease
21. Alzheimer’s Disease/
Severe Dementia
34. Other Serious Coronary Artery
Disease
9. End Stage Liver Failure
22. Fulminant Hepatitis
35.Poliomyelitis
10.Coma
23. Motor Neurone Disease
36. Loss of Independent Existence
11. Deafness (Loss of Hearing)
24. Primary Pulmonary
Hypertension
37. Terminal Illness
12. Heart Valve Surgery
25. HIV due to Blood
Transfusion & Occupationally
Acquired HIV
13. Loss of Speech
26. Benign Brain Tumour
1
The sum insured for mEase is up to S$2 million, one of the highest amount payable.
S$2 million is the maximum amount payable for both critical and terminal illness and is
an aggregate of all policies which Manulife (Singapore) Pte. Ltd. is liable for on the life of
the Life Insured.
2
Waiver of premiums is subjected to terms and conditions such as waiting period, exclusions
and limits of compensation.
3
Waiver for mEase Life Rider does not apply if the insured is diagnosed with Angioplasty &
other Invasive Treatment for Coronary Treatment and Terminal Illness.
4
Premium rates are not guaranteed. Manulife (Singapore) Pte. Ltd. reserves the right to
change the premium rates by giving 30 days’ notice.
5
For Angioplasty & other Invasive Treatment for Coronary Artery, 10% of the Sum Insured
will be advanced. This Benefit is payable only once, subject to a maximum amount of
S$25,000 per life, for all policies issued by the Company. After such a claim, only the
balance Sum Insured of this policy remains in-force.
mEase Plan
04
Ease into better protection
with Optional Riders
mEase also comes with optional Payor Benefit Riders that waive subsequent
premiums2 should the Payor die or suffer from TPD, or is diagnosed with any of 35
covered critical illnesses6.
These riders will help lighten the financial burden of your loved ones if the unfortunate
happens. With these waivers, the insured can continue to enjoy the benefits of
mEase without worrying about premium payments.
6
The 35 critical illnesses covered by the Critical Care Payor Benefit Rider are the same as
mEase except for Angioplasty & other Invasive Treatment for Coronary Artery and
Terminal Illness.
Payor Benefit Riders
7
Optional Rider
Supplementary Benefit(s)
Payor Benefit Rider
If the Payor dies or suffers from TPD, subsequent
premiums under the Policy will be waived until the
policy anniversary after the insured’s 25th birthday7; or
Payor’s 65th birthday; or the expiry of this Payor Benefit
Rider, whichever is earlier.t-linked policy^.
Critical Care Payor
Benefit Rider6
If the Payor dies or suffers from TPD or is diagnosed
with any of the 35 covered Critical Illnesses, subsequent
premiums under the Policy will be waived until the
policy anniversary after the insured’s 25th birthday7; or
Payor’s 65th birthday; or the expiry of this Critical Care
Payor Benefit Rider, whichever is earlier.
This will apply if the insured is a juvenile at the Policy Effective Date.
mEase Plan
06
Conversion
without further proof of health
While in-force and before the Policy Anniversary immediately following the 65th
birthday of the insured, mEase and the mEase Life Rider (if attached) may be
converted without further evidence of health, to regular premium whole life,
endowment or investment-linked policy, providing similar cover, from Manulife
(Singapore), subjected to the following terms and conditions:
a.The total coverage of the converted plan cannot exceed the total coverage of
mEase and mEase Life Rider, if attached.
b.The insured will have to undergo medical underwriting if the converted plan
covers events other than death and critical illnesses.
c.The premium rates on the converted plan will be based on the attained age of
the insured at the date of conversion.
d.The converted plan will be issued at the same terms (ie,. standard or sub-standard
terms) as mEase and mEase Life Rider, if attached.
e.The coverage on mEase and mEase Life Rider, if attached, will cease once the
converted plan (full conversion of mEase and mEase Life Rider) is in force.
f.This conversion privilege will not be applicable if either critical illness or TPD has
been claimed.
g.Partial conversion of mEase and mEase Life Rider are allowed subject to the
minimum sum insured of the converted plan.
Designed to bring you complete peace of mind, mEase, together with the mEase
Life Rider, ensure that when the unexpected happens, you are able to protect your
lifestyle or if needed, be equipped financially to focus on your recovery. Speak with
your Manulife Financial Planner or call 6833 8188 today to learn how mEase and the
mEase Life Rider can empower you with the peace of mind to pursue whatever
dreams you have, to their fullest.
IMPORTANT NOTES:
mEase and mEase Life Rider are underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D),
a Manulife company.
This marketing material is not a contract of insurance and is not intended as an offer or
recommendation to the purchase of the plan. The specific details applicable to this insurance
plan are set out in the policy contract. This marketing material is for general information
only and does not have regard to your specific investment objectives, financial situation or
any of your particular needs. You may wish to seek the advice of a financial adviser before
making a commitment to purchase the plan. In the event that you choose not to seek
advice from a financial adviser, you should consider carefully whether this plan 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. In the event that you decide that the policy is not suitable after purchasing the policy,
you may terminate the policy in accordance with the free-look provision and Manulife may
recover from you any expense incurred by Manulife in underwriting the policy.
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 your insurer or visit the LIA or SDIC websites (www.lia.org.sg or
www.sdic.org.sg).
mEase Plan
08
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 of 17 June 2016.
Manulife – Asia’s Global Insurer since 1897
Manulife is a leading international financial services group with principal operations
in Asia, Canada and the United States. For more than 125 years, we have been
providing customers strong, reliable, trustworthy and forward-thinking solutions
for their financial decisions. With our global headquarters in Toronto, Canada, we
trade as ‘MFC’ on the Toronto, New York, and the Philippine stock exchanges and
under ‘945’ in Hong Kong.
We have deep roots in Asia, with our history going back to 1897 when we issued
our first Asian policy in Shanghai, China. Over the decades, we have steadily
expanded our reach and built a pan-Asia presence. We now operate in 12 markets
in the region, including Hong Kong, Indonesia, China, Japan, the Philippines,
Taiwan, Vietnam, Malaysia, Thailand, Macau, Cambodia and Singapore.
Established in 1980, Manulife Singapore provides insurance, retirement and wealth
management solutions to meet the financial needs of our customers across their
various life stages. Customers can readily access our solutions through our extensive
multi-channel distribution network. In addition to our established agency force, we
distribute our products through a number of specialist partners, including banks
and financial advisory firms. For more information on Manulife Singapore, visit
www.manulife.com.sg
Manulife (Singapore) Pte. Ltd., Reg No. 198002116D
Main Office: Manulife Centre, 51 Bras Basah Road, #09-00, Singapore 189554
Client Service Centre: #01-02C, Manulife Centre (Entrance off Waterloo Street) Tel: 6833 8188
Website: www.manulife.com.sg