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benefit without interest. It will not include any premiums paid in advance.
We, our, us refers to Manulife (Singapore) Pte. Ltd.
You, your, yourself refers to the policy owner as shown in schedule page or endorsement (if there
is an assignment to change the ownership of this policy).
3.
Free-look period
(a) You may cancel this policy by writing to us within 14 days after you receive this policy.
(b) If you cancel the policy within this free-look period, we will refund all premiums paid without
interest and less any medical or other expenses we have had to pay in processing your
application.
(c) If we send this policy to you by post or email, it will be considered delivered by us and received
by you 7 days after the date of posting or email sent.
4.
Premiums
(a) The premium rate or amount for this basic benefit contract is not guaranteed. We reserve the
right to change it by giving you 30 calendar days’ notice.
(b) If there is a supplementary benefit contract attached to this policy, the premium rate or amount
includes the premium for the supplementary benefit contract.
(c) You must pay the premiums by the premium due date. It is your responsibility to pay all
premiums when due and until the premium end date as shown on the schedule page.
(d) We will not process the payment if we do not receive the full premiums for the policy.
(e) If you pay premiums by a direct debit facility (GIRO), we may charge an administrative fee for
any GIRO transaction which has not been successful.
5.
Basic sum insured
(a) The basic sum insured on the policy start date is shown on the schedule page.
(b) While this policy is in force, subject to our approval and conditions:
(i) you may ask to increase the basic sum insured within the first 6 months from the policy
issue date. If we approve the request, we will charge a higher premium based on the new
basic sum insured from the policy start date and you will have to pay us the extra
premium and interest (at a rate we decide) on the extra premium; or
(ii) you may ask to decrease the basic sum insured. If we approve the request, we will charge
you a premium based on the new basic sum insured starting from the next premium due
date.
(c) You must continue to pay premiums for the new basic sum insured.
(d) The current sum insured will be increased or decreased in accordance to the new basic sum
insured.
6.
Lapsing and reinstating the policy
(a) This policy will lapse (no cover will be provided) if you do not pay the premium by the end of the
grace period. You may ask us to reinstate the policy within 3 years from the date the policy
lapses.
Manulife CI FlexiCare (Deluxe) v0123
Page 4 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
(b) We will decide whether to reinstate the policy and we must receive:
(i) evidence of the life insured’s eligibility for insurance cover (you will have to pay for any
medical reports and tests needed);
(ii) all overdue premiums which would have been paid had the policy not lapsed and the
interest we may charge on these premiums (in a way which we will decide); and
(iii) any amount you may owe us.
(c) We can include new terms and conditions on the reinstated policy.
7.
Non-disclosure
(a) Under the Insurance Act 1966 of Singapore, you and the life insured must disclose all facts you
and/or the life insured know or ought to know (including any facts which may affect our decision
to provide insurance cover under this policy).
(b) If you and/or the life insured misrepresent or fail to disclose any facts (as described above), we
may void this policy. We may determine at our sole discretion whether to refund all premiums
received without interest, less any policy debt, amounts you owe to us, medical and other
expenses incurred and to be incurred by us under this policy.
8.
Incontestability
(a) Except for fraud, non-payment of premium, any claim that is not covered under this policy, or
non-disclosure as described under clause 7, we will not contest the validity of or void this policy
after 2 years from any of the following dates, whichever is the latest:
(i) policy issue date;
(ii) the effective date of the most recent reinstatement of the policy; or
(iii) the effective date of the most recent increase in the basic sum insured of this policy (where
applicable).
(b) If we contest the validity of or void this policy, we may determine at our sole discretion whether
to refund all premiums received without interest, less any policy debt, amounts you owe to us,
medical and other expenses incurred and to be incurred by us under this policy.
9.
Suicide
(a) If the life insured dies from suicide, whether sane or insane, within 1 year from the policy issue
date, we will not pay the death benefit and will refund all premiums paid without interest and
less any policy debt, medical or other expenses we have had to pay in connection with this
policy and this policy will end.
(b) If the life insured dies from suicide, whether sane or insane, within 1 year from the date of the
most recent reinstatement of the policy, we will not pay the death benefit and will refund all
premiums paid from the start date of the most recent reinstatement without interest and less any