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policy debt, medical or other expenses we have had to pay in connection with this policy and
this policy will end.
(c) If the life insured dies from suicide, whether sane or insane, after 1 year from the policy issue
date or the date of the most recent reinstatement of this policy but before 1 year from the date
of any increase to the premium resulting from an increase in basic sum insured, we will not pay
the increased death benefit and will refund the additional premiums paid for the increase in the
basic sum insured, without interest and less any policy debt, medical or other expenses we
have had to pay in connection with the request to increase the basic sum insured and this policy
will end.
10.
Making a claim
(a) You or the person making a claim must give us notice in writing of the claim within 30 days of the
event (or as soon as possible).
Manulife CI FlexiCare (Deluxe) v0123
Page 5 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
(b) You or the person making the claim must give us, 30 days after giving notice of the claim (or as
soon as possible), evidence of the event. We must receive:
(i) this policy;
(ii) proof of ownership or entitlement of the person making the claim;
(iii) the birth certificate, identification documents or other relevant documents we may need for
the life insured or the person making the claim;
(iv) the completed claim form and the medical report;
(v) proof of the event giving rise to the claim under this policy; and
(vi) any other document we may ask for so we can process the claim.
(c) We may appoint another medical examiner to examine the life insured in Singapore or the
evidence presented. Our determination of the claim will consider all medical information received
as well as the opinion and diagnosis of any medical examiner(s) appointed by us. A final
determination by us on this basis will be binding on the life insured and us. You will have to pay
any travel, accommodation and other costs, but not the cost of the examination carried out by our
appointed medical examiner.
(d) We will not be legally responsible if you or the person making the claim fails to provide the
documents which we need to check the claim or entitlement under this policy.
(e) If the age or sex (or both) were incorrect on the application, we will change the benefits due
under this policy to those which would have been appropriate had the age or sex been correctly
stated.
(f)
If we make a payment under this policy, this will fulfill our duty under this policy and we will have
no further responsibility to you or any other person for the claim. This will apply to any action,
claim, proceedings, cost, damages, demand, interest, liability, loss, penalty, tax and expenses
you or the person making the claim may suffer or have to pay as a result of or in connection with
the claim.
(g) We can ask you or the person claiming to repay any amount which we have paid as a result of
any mistake or oversight (including on our part or on the part of our employees or
representatives).
11.
Residence, travel and occupation
There are no restrictions on where the life insured stays, travels or works, unless we say otherwise.
12.
Non-participating
This policy does not participate or share in the profits of our participating fund. When you ask to end
the policy or if the policy lapses or ends, it will have no cash value.
13.
Assignment
(a) While this policy is in force and during the lifetime of the life insured, you may use your policy
as security or collateral or you may fully transfer the benefits of the policy to another person or
organisation.
(b) You must give us:
(i) written notice of the assignment; and
(ii) a copy of the assignment.
(c) We will only treat the notice of assignment as received when it is delivered to our registered
address. If you provide this notice through our or your representative, we will only treat it as
received when the representative delivers it to our registered address.
(d) By acknowledging the notice of assignment, we are not responsible for whether the assignment
is valid or legally enforceable.
Manulife CI FlexiCare (Deluxe) v0123
Page 6 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
14.
Termination
This policy will automatically terminate on the earliest occurrence of any one of the following events:
(a)
(b)
(c)
(d)
(e)
15.
when we receive your written notice to terminate this policy;
when this policy lapses or terminates pursuant to the terms and conditions of this policy;