sruthiselvakumar/dataset · Datasets at Hugging Face

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Manulife (Singapore) Pte. Ltd.
A Manulife Company

Manulife CI FlexiCare (Deluxe)
General conditions
1.

The contract
This policy is a written confirmation of a contract between you and us. This is a regular-premium
non-participating life insurance policy that covers the life insured against critical illness.

2.

Definitions
Unless we say otherwise, the following are definitions of words and expressions we use in this policy.
Activities of daily living means:
(a) Washing
the ability to wash in the bath or shower (including getting into and out of the
bath or shower) or wash satisfactorily by other means;
(b) Dressing
the ability to put on, take off, secure and unfasten all garments and, as
appropriate, any braces, artificial limbs or other surgical appliances;
(c) Transferring
the ability to move from a bed to an upright chair or wheelchair and vice
versa;
(d) Mobility
the ability to move indoors from room to room on level surfaces;
(e) Toileting
the ability to use the lavatory or otherwise manage bowel and bladder
functions so as to maintain a satisfactory level of personal hygiene;
(f) Feeding
the ability to feed oneself once food has been prepared and made available.
The diagnosis of activities of daily living must be confirmed by medical examiner.
Age means the life insured’s age as at his or her last birthday, on the policy effective date.
Application means information you and/or the life insured gave to buy this basic benefit or any
supplementary benefit of this policy. Whether we accept your application depends on our
assessment of the information submitted.
Basic benefit means the basic insurance cover as shown on the schedule page or endorsement
and as stated in the basic benefit conditions of this basic benefit contract.
Basic sum insured means the sum insured of the basic benefit of the policy as may be changed or
adjusted in accordance with this basic benefit contract. It is used to calculate the benefits of this
policy.
Child means the biological or adopted (in accordance with the adoption laws of Singapore) child (but
not the step-child) of the life insured who is between the age of 30 days old and less than 18 years
old as at the date of diagnosis. For avoidance of doubt the child need not have come into existence
at point of purchase of this policy.
Current sum insured means the total maximum sum insured claimable under each of the following
benefits:
(i) For comprehensive CI benefit of this basic benefit contract, it means 100% of basic sum
insured.
(ii) For advanced stage CI booster of this basic benefit contract, it means 200% of basic sum
insured.
(iii) For CoverMeAgain Booster (Deluxe) supplementary benefit, it means 600% of the basic sum
insured, (if applicable).
Critical illness or CI means the conditions defined in Appendix A of this basic benefit contract.
Critical illness benefit or CI benefit means the amount payable in the event of a claim for CI as
determined in accordance with clause 21 of this contract.
Dates
(i) Date of event means the date of diagnosis of a critical illness or the date of ICU or HDU
admission for recovery care plus benefit. However, in the case of angioplasty and other invasive
treatment for coronary artery and certain other conditions as defined in Appendix A, it shall mean
the date of treatment.
(ii) Grace period means a period of 30 calendar days after the premium due date.
(iii) Policy anniversary means any anniversary of the policy effective date.

Manulife CI FlexiCare (Deluxe) v0123
Page 1 of 42

Manulife (Singapore) Pte. Ltd.
A Manulife Company

(iv) Policy monthiversary means the same day of each subsequent month as the policy effective
date.
(v) Policy start date (or policy effective date) means the date when this policy takes effect, as
shown on the schedule page. If there is no day in any month or year that coincides with the
policy effective date, the policy anniversary, policy monthiversary, and policy year (where
applicable) will be the first calendar day of the next calendar month.
(vi) Policy issue date means the date when this policy is issued, as shown on the schedule page.
(vii) Policy year means a consecutive 12-month period. The first policy year begins on the policy
effective date and ends 1 day before the first policy anniversary. Each subsequent policy year
begins on the day of the policy anniversary and ends 1 day before the next policy anniversary.
(viii) Benefit start date means the date when the cover for the basic benefit or any supplementary
benefit takes effect, as shown on the schedule page.
(ix) Benefit end date means the date when the basic benefit or any supplementary benefit cover
ends, as shown on the schedule page or endorsement.
(x) Premium end date means the date on which the final premium is due and is to be paid, as
shown on the schedule page.
(xi) Premium due date means the date when the premium is due and payable according to the
payment frequency you have chosen.
(xii) Policy term means the period starting from the benefit start date up to the benefit end date, or
when this policy terminates, whichever is earlier.
Death benefit means the basic benefit as defined in clause 20.
Diagnosis or diagnosed means the definitive diagnosis made by a medical examiner, based on
radiological, clinical, histological or laboratory evidence which we accept. We may appoint another
medical examiner to examine the life insured or the evidence presented. The opinion and diagnosis
of this medical examiner will be final and binding.
Endorsement means any document issued and signed by our Chief Executive Officer to change the
terms of this policy. It forms an integral part of this policy.
Intensive care unit (ICU) means the unit of a hospital that is dedicated to the management and
monitoring of patients with severe or life-threatening conditions. High dependency unit and other

Manulife (Singapore) Pte. Ltd.

A Manulife Company

Manulife CI FlexiCare (Deluxe)

General conditions

1.

The contract

This policy is a written confirmation of a contract between you and us. This is a regular-premium

non-participating life insurance policy that covers the life insured against critical illness.

2.

Definitions

Unless we say otherwise, the following are definitions of words and expressions we use in this policy.

Activities of daily living means:

(a) Washing

the ability to wash in the bath or shower (including getting into and out of the

bath or shower) or wash satisfactorily by other means;

(b) Dressing

the ability to put on, take off, secure and unfasten all garments and, as

appropriate, any braces, artificial limbs or other surgical appliances;

(c) Transferring

the ability to move from a bed to an upright chair or wheelchair and vice

versa;

(d) Mobility

the ability to move indoors from room to room on level surfaces;

(e) Toileting

the ability to use the lavatory or otherwise manage bowel and bladder

functions so as to maintain a satisfactory level of personal hygiene;

(f) Feeding

the ability to feed oneself once food has been prepared and made available.

The diagnosis of activities of daily living must be confirmed by medical examiner.

Age means the life insured’s age as at his or her last birthday, on the policy effective date.

Application means information you and/or the life insured gave to buy this basic benefit or any

supplementary benefit of this policy. Whether we accept your application depends on our

assessment of the information submitted.

Basic benefit means the basic insurance cover as shown on the schedule page or endorsement

and as stated in the basic benefit conditions of this basic benefit contract.

Basic sum insured means the sum insured of the basic benefit of the policy as may be changed or

adjusted in accordance with this basic benefit contract. It is used to calculate the benefits of this

policy.

Child means the biological or adopted (in accordance with the adoption laws of Singapore) child (but

not the step-child) of the life insured who is between the age of 30 days old and less than 18 years

old as at the date of diagnosis. For avoidance of doubt the child need not have come into existence

at point of purchase of this policy.

Current sum insured means the total maximum sum insured claimable under each of the following

benefits:

(i) For comprehensive CI benefit of this basic benefit contract, it means 100% of basic sum

insured.

(ii) For advanced stage CI booster of this basic benefit contract, it means 200% of basic sum

insured.

(iii) For CoverMeAgain Booster (Deluxe) supplementary benefit, it means 600% of the basic sum

insured, (if applicable).

Critical illness or CI means the conditions defined in Appendix A of this basic benefit contract.

Critical illness benefit or CI benefit means the amount payable in the event of a claim for CI as

determined in accordance with clause 21 of this contract.

Dates

(i) Date of event means the date of diagnosis of a critical illness or the date of ICU or HDU

admission for recovery care plus benefit. However, in the case of angioplasty and other invasive

treatment for coronary artery and certain other conditions as defined in Appendix A, it shall mean

the date of treatment.

(ii) Grace period means a period of 30 calendar days after the premium due date.

(iii) Policy anniversary means any anniversary of the policy effective date.

Manulife CI FlexiCare (Deluxe) v0123

Page 1 of 42

Manulife (Singapore) Pte. Ltd.

A Manulife Company

(iv) Policy monthiversary means the same day of each subsequent month as the policy effective

date.

(v) Policy start date (or policy effective date) means the date when this policy takes effect, as

shown on the schedule page. If there is no day in any month or year that coincides with the

policy effective date, the policy anniversary, policy monthiversary, and policy year (where

applicable) will be the first calendar day of the next calendar month.

(vi) Policy issue date means the date when this policy is issued, as shown on the schedule page.

(vii) Policy year means a consecutive 12-month period. The first policy year begins on the policy

effective date and ends 1 day before the first policy anniversary. Each subsequent policy year

begins on the day of the policy anniversary and ends 1 day before the next policy anniversary.

(viii) Benefit start date means the date when the cover for the basic benefit or any supplementary

benefit takes effect, as shown on the schedule page.

(ix) Benefit end date means the date when the basic benefit or any supplementary benefit cover

ends, as shown on the schedule page or endorsement.

(x) Premium end date means the date on which the final premium is due and is to be paid, as

shown on the schedule page.

(xi) Premium due date means the date when the premium is due and payable according to the

payment frequency you have chosen.

(xii) Policy term means the period starting from the benefit start date up to the benefit end date, or

when this policy terminates, whichever is earlier.

Death benefit means the basic benefit as defined in clause 20.

Diagnosis or diagnosed means the definitive diagnosis made by a medical examiner, based on

radiological, clinical, histological or laboratory evidence which we accept. We may appoint another

medical examiner to examine the life insured or the evidence presented. The opinion and diagnosis

of this medical examiner will be final and binding.

Endorsement means any document issued and signed by our Chief Executive Officer to change the

terms of this policy. It forms an integral part of this policy.

Intensive care unit (ICU) means the unit of a hospital that is dedicated to the management and

monitoring of patients with severe or life-threatening conditions. High dependency unit and other