An upgrade to the Critical Illness Earlier Payout plans that have been around for years. This exclusively-launched programme addresses an issue where these plans fall short - putting cash in your hand when you need it, in one full payment upfront. Read up for more additional benefits that this plan have in store for you

1. Care from the Beginning
ManuCompleteCare

2. Benefits at a Glance:
100%
100%
Additional lump sum payout of the basic sum insured
under the Additional Critical Illness Benefit.
Lump sum payout of the basic sum insured under the
Comprehensive Critical Illness Benefit or;
Lump sum payout of the basic sum insured upon loss of
life and Total and Permanent Disability.
20% of the basic sum insured
as additional lump sum payout under the
Special Benefit. Up to 2 claims with no waiting period between claims.
1
The Plan that Cares
With medical advancements and the growing popularity of periodic health
screening, it is increasingly common to detect critical illnesses early. While early
diagnosis enhances the chances of a full recovery, it is also important to have a
financial plan to help you cope with your expenses incurred during the period of
recuperation.
From as little as S$1.452 a day, ManuCompleteCare, a critical illness protection
plan, is designed to give you financial support for the treatment of critical illnesses,
including cancer and heart attack, right from the onset. The payouts from this plan
can be used
• to explore a choice of treatment options as you focus on your recovery.
• to defray expenses not covered by medical insurance plans.
• s income replacement in the event that you are unable to work or prefer
a
to take a break from work due to critical illness.
This Policy pays an additional 20% of the basic sum insured (capped at S$25,000) in the
event the Life Insured is diagnosed as suffering from any one of the covered Special
Benefit Conditions. A waiting period of 90 days from the Policy Issue Date or date of last
reinstatement, whichever is later, applies to this Benefit. No benefit will be payable for
events occurring before or within this waiting period.
2
Premium is based on a male, non-smoker, aged 25 at last birthday, who purchased
ManuCompleteCare with policy term up to age 65 for a sum assured of S$50,000.
Premium rates are not guaranteed and may be adjusted by Manulife (Singapore) based
on future experience.
1
ManuCompleteCare
02

3. Covered Comprehensive
Critical Illnesses
Alzheimer’s Disease/Dementia
Deafness (Loss of Hearing)
Encephalitis
End Stage Liver Failure
(Chronic)
Facial Reconstructive Surgery
Heart Attack
HIV due to Blood Transfusion,
Assault, Organ Transplant
Occupational Acquired HIV
Liver Surgery
Loss of Speech
The minimum and maximum sum insured for the plan is S$30,000 and S$150,000
respectively.
4
There is a waiting period of 90 days from the Policy Issue Date or date of last reinstatement,
whichever is later. No benefit will be payable for events occurring before or within this
waiting period. This Policy will terminate upon such a claim from any one of the covered
Comprehensive Critical Illnesses (CI). If a Comprehensive CI Benefit has been paid before
a claim is submitted for a covered Additional Critical Illness, the Policy will terminate and
no Additional CI Benefit is payable.
Coronary Artery Bypass Surgery
and other Defined Cardiac
Procedures
Heart Valve Surgery
3
Chronic Kidney Disease or
Kidney Failure
End Stage Lung Disease
(Chronic)
The lump sum payout from ManuCompleteCare will come in handy as it helps to
defray expenses not covered by medical insurance plans. The payout could also be
used to pay for your mortgage installments and children’s education fees or to
provide replacement of income.
Chronic Hepatitis with Cirrhosis
Defined surgical procedures of
Central Nervous System
Major Burns
Major Head or Spinal Trauma
Major Organ/Bone Marrow
Transplantation
Motor Neurone Disease
Multiple Sclerosis
Muscular Dystrophy
Nephrectomy
Paralysis (Loss of Limbs)
Parkinson’s Disease
Pulmonary Hypertension
Severe Asthma
Severe Epilepsy
Specified Surgical Procedures
of Cardiovascular System
Stroke
Surgery to Aorta
ManuCompleteCare pays the basic sum insured3 in the event that the Life Insured
is diagnosed as suffering from any one of the covered Comprehensive Critical
Illnesses4, which include illnesses that are in the early stages.
Cancer (including In-Situ/ Early
Cancer)
Coma
Right from the Beginning
Bacterial Meningitis
Blindness (Loss of Sight)
Cardiomyopathy
Caring for You,
Aplastic Anemia
Benign Brain Tumor
Surgical Removal of one Lung
Systemic Lupus Erthematosus
At the same time, ManuCompleteCare also provides valuable insurance coverage
for Total and Permanent Disability5 (TPD) until age 65 and for loss of life6.
This Policy pays the basic sum insured in the event the Life Insured suffers TPD before the
policy anniversary immediately following the Life Insured’s 65th birthday. The disability
must be for a minimum period of six consecutive months before a claim can be admitted.
The policy will terminate upon such a claim.
6
the event of loss of life of the Life Insured, this Policy will pay the basic sum insured.
In
The policy will terminate upon such a claim. This benefit is not payable if the life insured
dies from suicide within 1 year from the policy issue date or date of reinstatement
whichever is later.
5
ManuCompleteCare
04

4. Extra Support that You will Need
Special Benefits
To further help you lighten the financial burden, ManuCompleteCare offers an
additional payout of 100% over and above the basic sum insured when the Life
Insured is diagnosed as suffering from any of the covered Additional Critical
Illnesses7, which are known to be particularly expensive to treat. The extra financial
support will come in very timely, especially for the sole breadwinner.
ManuCompleteCare provides you with an additional payout of 20% of the basic
sum insured8 for covered Special Benefit conditions. The additional payout will
help you better manage the incurred medical expenses and lifestyle changes as a
result of the illness.
A maximum of 2 claims9 can be made under the Special Benefit with no waiting
period between claims. In this way, you will not have to worry about your treatment
being affected due to delayed payments.
Covered
Special Benefit Conditions
Angioplasty other Invasive
Treatment for Coronary Artery
Bladder Cancer
Brain Cancer
Esophagus Cancer
^Severe Haemophilia
^Type I Juvenile Spinal
Amyotrophy
Wilson’s Disease
^
The coverage of these conditions will cease at the Policy Anniversary immediately after the 18th birthday of the
Life Insured.
# Diagnosis of Dengue Fever alone does not meet the definition of this condition.
Larynx Cancer
Leukemia
^Rheumatic Fever with Valvular
Impairment
Blindness (Loss of Sight)
Bone Cancer
^Osteogenesis Imperfecta
^Severe Juvenile Rheumatoid
Arthritis
Alzheimer’s Disease/Severe
Dementia
^Kawasaki Disease
Osteoporosis with Fractures
Additional Critical Illnesses
Diabetic Complications
^Insulin Dependent Diabetes
Mellitus
Covered
#Dengue Haemorrhagic Fever
Parkinson’s Disease
This Policy pays an additional 100% of the basic sum insured if the Life Insured is
diagnosed as suffering from any one of the covered Additional Critical Illnesses, provided
the Life Insured has survived for a period of thirty (30) days from the date of diagnosis.
A waiting period of 90 days from the Policy Issue Date or date of last reinstatement,
whichever is later, applies to this Benefit. No benefit will be payable for events occurring
before or within this waiting period.
7
Refer to footnote 1.
The 2 claims must not be for the same covered Special Benefit Condition.
8
9
ManuCompleteCare
06

5. ManuCompleteCare
for You and Me
Almost anyone can enjoy the comprehensive benefits of ManuCompleteCare.
Designed to offer financial support for the treatment of critical illness and to supplement
loss of income, ManuCompleteCare’s coverage allows you to focus on recovery
without having to worry about the additional expenses burdening your loved ones.
Speak to your Manulife Representative today or call 6833 8188 to find out more about
ManuCompleteCare.
• ife Insured has to be between the ages of 1 month and 65 years old at the time
L
of application.
Entry Age*
Policy Term
1 month – 55
Up to age 65/75/85
1 month – 65
Up to age 75/85
* Age refers to age at last birthday
• remiums payable are based on the Life Insured’s entry age10. Therefore, the
P
earlier you start this plan, the lower your premium payable.
Illustrative Example 1
Mr. Tan is a 25-year-old non-smoker, who has ManuCompleteCare that covers him till age 65. For
a basic sum insured of S$50,000, he pays an annual premium of S$528.50 (S$1.45 per day).
At age 32, he is diagnosed with Dengue Haemorrhagic Fever while holidaying in Thailand. He
recovers from this and makes a Special Benefit claim. Manulife (Singapore) pays him S$10,000
(20% of the basic sum insured).
At age 40, during a routine health check, he is found to have serious cardiac arrhythmia. He is then
treated with an insertion of a cardiac pacemaker. He makes a Comprehensive Critical Illness claim
and Manulife (Singapore) pays him the basic sum insured of S$50,000. His policy terminates
thereafter.
Mr. Tan pays: 15 years x S$528.50 = S$7,927.50
Manulife (Singapore) pays: S$10,000 + S$50,000 = S$60,000
Illustrative Example 2
Mrs. Lee is a 40-year-old non-smoker, who has ManuCompleteCare that covers her till age 85. For
a basic sum insured of S$150,000, she pays an annual premium of S$4,380 (S$12 per day).
At age 47, she is diagnosed with Brain Cancer. Her doctor classifies her cancer as late stage and
recommends aggressive medical intervention. She is able to make claims under both the
Comprehensive Critical Illness Benefit and Additional Critical Illness Benefit. Manulife (Singapore)
pays her a total of S$300,000 (200% of the basic sum insured). The payout goes a long way to help
to alleviate her treatment expenses. Her policy terminates thereafter.
Mrs. Lee pays: 7 years x S$4,380 = S$30,660
Manulife (Singapore) pays: 200% x S$150,000 = S$300,000
Premium rates are not guaranteed. Manulife (Singapore) reserves the right to change
the premium rates by giving 30 days’ notice.
10
Important Notes
ManuCompleteCare is underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D),
a Manulife Financial company.
Buying health insurance products that are unsuitable may impact your ability to finance your
future healthcare needs. You may wish to seek the advice of a financial adviser before making
a commitment to purchase the policy. In the event that you choose not to seek advice from
a financial adviser, you should consider carefully whether this policy is suitable for you. It
is usually detrimental to replace an existing insurance policy with a new one. You may be
disadvantaged as the new policy may cost more or have fewer benefits at the same cost.
This marketing material is for general information only. It is not a contract of insurance and
is not intended as an offer or recommendation to purchase the policy. The specific details
applicable to this insurance policy are set out in the policy contract.
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 the coverage, where applicable, please
contact Manulife (Singapore) Pte. Ltd. or visit the LIA or SDIC websites (www.lia.org.sg or
www.sdic.org.sg).
This marketing material is also available in Chinese. In case of discrepancy between the English
and Chinese versions, the English version shall prevail.
Information is correct as at 1 August 2013.
ManuCompleteCare
08

6. About
Manulife Financial
Manulife Financial is a leading Canadian-based financial services group operating
in 22 countries and territories worldwide. For more than 120 years, clients
have looked to Manulife for strong, reliable, trustworthy and forward-thinking
solutions for their most significant financial decisions. Our international network of
employees, financial planners and distribution partners offers retirement, financial
protection and wealth management products and services to millions of clients.
We provide asset management services to institutional customers worldwide as
well as reinsurance solutions, specializing in property and casualty retrocession.
Manulife Financial has operated in Asia since 1897, leading the way in providing
financial security for millions of customers in the region through protection and
wealth management products in 11 countries.
Our strong and stable capital level enables us to sustain high credit ratings,
finance new opportunities and most importantly maintain our commitment to our
policyholders.
Manulife Financial Corporation trades as ‘MFC’ on the TSX, NYSE and PSE, and
under ‘945’ on the SEHK. Manulife Financial can be found on the Internet at
www.manulife.com

7. Manulife (Singapore) Pte. Ltd., Reg No. 198002116D
A Manulife Financial Company
Main Office: Manulife Centre, 51 Bras Basah Road, #09-00, Singapore 189554
Tel: 6737 1221
Client Service Centre: #01-02C, Manulife Centre (Entrance off Waterloo Street)
Tel: 6833 8188
Website: www.manulife.com.sg
Retirement Microsite: www.manuliferetirement.sg
facebook.com/manulife.singapore
Manulife Financial and the block design are registered service marks and trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates,
including Manulife Financial Corporation.
8/13