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when the life insured dies;
on the benefit end date of this basic benefit contract; or
when the current sum insured is fully paid out.
Governing law
This policy is subject to, governed by and construed in accordance with the laws of Singapore. The
Singapore courts shall have exclusive jurisdiction over this policy.
16.
Contracts (Rights of Third Parties) Act 2001 of Singapore
A person who is not directly involved in this policy will have no rights under the Contracts (Rights of
Third Parties) Act 2001 of Singapore to enforce any of the terms.
17.
Policy transactions
If you want to carry out any transaction under this policy, you must use the forms we provide you.
You must tell us about any change in your personal information, especially your correspondence or
residential address including your email and mobile number.
18.
Currency
Unless otherwise specifically prescribed in this policy, all premiums and benefits quoted in this policy
are in Singapore dollars. Payments to us under this policy or payments which we make under this
policy will also be in Singapore dollars.
19.
Policy Owners’ Protection Scheme
“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 coverage, where applicable, please contact us or visit the
Life Insurance Association of Singapore (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).”
Manulife CI FlexiCare (Deluxe) v0123
Page 7 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
Basic benefit conditions
20.
Death benefit
(a) While this policy is in force, if the life insured dies, we will pay 100% of the total premiums
paid to date less any policy debt and claims paid prior to the death of the life insured. Upon the
payment of the death benefit, this policy will end.
(b) Prior to the death claim, if a claim payout has been made for any of the benefits covered under
the policy that is more than the total premiums paid to date then the policy will terminate upon
such payment and no death benefit shall be payable.
21.
Comprehensive CI benefit
(a) While this policy is in force, if the life insured is diagnosed with an early, intermediate or
advanced (including extended advanced) stage CI, subject to our approval, we will pay the
comprehensive CI benefit:
Critical Illness Stage
Early Stage
Intermediate Stage
Advanced Stage
CI benefit
100% of the basic sum insured
100% of the basic sum insured
100% of the basic sum insured
(b) The payment of the comprehensive CI benefit is subject to the following limits of compensation:
(i) the comprehensive CI benefit is only payable once under the basic benefit contract;
(ii) the maximum amount payable of total claims arising from comprehensive CI benefit during
the policy term is 100% of the basic sum insured;
(iii) if there is more than one CI diagnosed on the same date, we will pay the highest CI benefit
of all the critical illnesses diagnosed at that date;
(iv) if the CI is diagnosed as the cause of terminal illness or loss of independent existence, the
claim can only be submitted under the diagnosed CI but not terminal illness or loss of
independent existence;
(v) For terminal illness or loss of independent existence, if the total CI benefit paid have
reached 100% of the basic sum insured, no benefit is payable for future CI benefit under
these two CI conditions;
(vi) the most we will pay for an early stage CI condition under this policy and all policies we have
issued covering the same life insured shall not exceed $250,000;
(vii) the most we will pay for an intermediate stage CI condition under this policy and all policies
we have issued covering the same life insured shall not exceed $350,000; and
(viii) the most we will pay in total for comprehensive CI benefit under this policy and all policies
we have issued covering the same life insured for any (i) critical illness benefits; (ii) waiver
of premium benefits due to CI and TI; and (iii) TI benefits shall not exceed $2 million (TI/CI
limit). Out of the TI/CI limit, the total TI benefits under such policies shall not exceed $1
million. When we make any benefit payments for such insured events, we will reduce the
TI/CI limit by the amount we have paid respectively, where applicable.
(c) After the payment of the comprehensive CI benefit, the current sum insured will be reduced
by the amount paid for that comprehensive CI benefit.
(d) If the amount paid under this benefit is equivalent to the current sum insured and if the total
premiums paid to date is higher than the current sum insured, we will instead pay the total
premiums paid to date less any policy debt and all claims paid by us under this policy (including
claims that have not reduced the current sum insured) as this benefit and this policy will end.
This amount paid will not affect the limits stated in clause 21(b)(viii).
22.