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Advanced stage CI booster
(a) While this policy is in force, if the life insured is diagnosed with an advanced stage CI (including
extended advanced stage CI), subject to our approval, we will pay 200% of the basic sum
insured.
(b) We will only pay this benefit once under this policy.
Manulife CI FlexiCare (Deluxe) v0123
Page 8 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
(c) After the payment of the advanced stage CI booster, the current sum insured will be reduced
by the amount paid under this benefit.
(d) If the amount paid under this benefit is equivalent to the current sum insured, this policy will
end upon such payment.
23.
Special CI conditions benefit
While this policy is in force, if the life insured is diagnosed with a special CI condition before the
policy anniversary immediately after the life insured’s 85th birthday for non-juvenile specific
conditions or 18th birthday for juvenile specific conditions, subject to our approval, we will pay 20% of
the basic sum insured as special CI conditions benefit and the below will apply:
(a) we will only pay for each covered special CI condition once. If the life insured is diagnosed
with the same covered special CI condition again, we will not pay for another claim for the same
special CI condition;
(b) we will pay the special CI conditions up to 6 claims provided each of these claims is for a
different covered special CI condition;
(c) the most we will pay under this policy and all other policies we have issued covering the same
life insured is $25,000 for each claim, less any policy debt, amounts you owe to us, medical and
other expenses incurred and to be incurred by us under this policy;
(d) payment of special CI conditions benefit will not reduce the current sum insured.
24.
Serious illness of a child benefit
While this policy is in force, if the life insured’s child is diagnosed with an advanced stage CI, subject
to our approval, we will pay $10,000 and the below will apply:
(a) the most we will pay for serious illness of a child benefit under this policy is $20,000 and
provided that each claim must be on a different child;
(b) the most we will pay for serious illness of a child benefit under this policy and all other policies
we have issued covering the same child shall not exceed $40,000 per child and $80,000 in total
per family; and
(c) payment of serious illness of a child benefit will not reduce the current sum insured.
25.
Recovery care plus benefit
(a) While this policy is in force, if the life insured stays in both the ICU and HDU together (not only
the HDU admission alone) for a total of 4 days or more from the date of admission, in 1 hospital
admission before the policy anniversary immediately after the life insured’s 85th birthday,
subject to our approval, we will pay 20% of the basic sum insured, subject to a maximum of
$25,000.
(b) The stay in ICU or HDU must be confirmed as medically necessary.
(c) For avoidance of doubt, we will pay this benefit in addition to comprehensive CI benefit if the
ICU or HDU admission is due to a CI condition (as defined in Appendix A).
(d) Payment of recovery care plus benefit will not reduce the current sum insured.
(e) We will pay this benefit only once under this policy.
(f)
The most we will pay for this policy and all other policies we have issued covering the same life
insured for this benefit (including similar benefits provided under any benefit name or
specification in other policies), is subject to a maximum of $25,000.
Manulife CI FlexiCare (Deluxe) v0123
Page 9 of 42
Manulife (Singapore) Pte. Ltd.
A Manulife Company
26.
Survival period
For the payment of basic benefit(s) under this policy, the life insured must survive for at least 7
days from the date of event. Otherwise, only the death benefit shall be payable, and the policy will
end upon payment of death benefit.
27.
Waiting period
(a) We will not cover and pay any stage of the following CI for the life insured if the life insured is
diagnosed within 90 calendar days from the policy issue date or the most recent reinstatement
date of this policy, whichever is the latest:
(i)
major cancer;
(ii) heart attack of specified severity;
(iii) other serious coronary artery disease;
(iv) the date of diagnosis of any CI leading to performance of coronary artery bypass surgery;
(v) the date of diagnosis of any CI leading to performance of angioplasty and other invasive
treatment for coronary artery; and/or
(vi) any of the special CI conditions.
(b) Any increase in basic sum insured within 90 calendar days from the date the life insured is
diagnosed with any CI or conditions stated in subclause (a) above will be fully excluded while
determining the amount for comprehensive CI benefit and special CI conditions benefit. We
will determine the amount for comprehensive CI benefit and special CI conditions benefit as
if such increase in basic sum insured had never occurred.
(c) We will not cover and pay the recovery care plus benefit if the life insured is diagnosed with
an illness which directly or indirectly, partly or wholly, results in ICU or HDU admission, and the