Manulife (Singapore) Pte. Ltd.
CancerCare
General conditions
1. The contract
This policy is a written confirmation of a contract between you and us. This is a regular-premium
non-participating life insurance policy that provides coverage for all stages of cancer or death
benefit.
2. Definitions
Unless we say otherwise, the following are definitions of words and expressions we use in this
policy.
(a) Age
The life insured’s age as at his/her last birthday, on the policy start date.
(b) Application
The information you or the life insured (or both) gave to buy this basic benefit of this policy.
Whether we accept your application depends on our assessment of the information you or
the life insured (or both) have given to us.
(c) Attained Age
Your or the life insured’s age as at your/his or her last birthday.
(d) Basic benefit
This is the basic insurance cover as defined in the basic benefit conditions of this basic
benefit contract.
(e) Cancer
It refers to the cancer conditions that are covered under this policy and it is defined in
Appendix B.
(f) Cancer benefit
It refers to the amount payable in the event of a claim for cancer as determined in
accordance with clause 23.
(g) Country of residence
This is the country where the life insured currently lives for more than 183 days
consecutively.
(h) Dates
(i) Date of event refers to the date of diagnosis of a cancer.
(ii) Period of grace (or grace period) is a period of 30 days after the premium due date.
(iii) The policy anniversary is measured from the policy start date. It is the anniversary of
the date when the policy began.
(iv) The policy start date (or policy effective date) is the date from which this policy
applies, as shown on the schedule page.
(v) The policy issue date is the date when this policy is issued, as shown on the schedule
page.
(vi) The policy year is a consecutive 12-month period. The first policy year begins on the
policy start date and ends on the day before the first policy anniversary. The future
policy years will then follow on from this.
(vii) Policy term is a period of a prescribed number of years as provided for in the plan name on
the schedule page, which begins from the policy start date.
(viii) Benefit start date (or coverage effective date) is the date from which we will provide
cover for the basic benefit, as shown on the schedule page.
(ix) Benefit end date (or benefit cessation date) is the date on which the basic benefit
cover ends, as shown on the schedule page. The basic benefit is not in force on the
benefit end date.
(x) Premium end date (or premium cessation date) is the date on which the final premium
is due and is to be paid, as shown on the schedule page.
(xi) Premium due date is the date when the premium is due according to the frequency of
payment you have chosen.
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(xii) Renewed term is a term period equivalent to the policy term, Please refer to clause 5
for more details.
(i) Death Benefit
This is a basic benefit as defined and as set out in clause 22.
(j) Diagnosis
(i) This refers to the diagnosis made by a medical examiner, based on radiological,
clinical, histological or laboratory evidence which we accept.
(ii) We may appoint another medical examiner to examine the life insured or the evidence
presented. The opinion and diagnosis of this medical examiner will be binding on the
life insured and us.
(k) Endorsement
This is a written document which changes the terms of this policy. The endorsement is
attached to, and forms part of the policy.
(l) Life insured
The person named as the life insured on the schedule page or endorsement. This is the
person that this policy insures.
(m) Medical examiner
This refers to:
(i) any medical practitioner or specialist doctor registered with a recognised degree in
western medicine who is authorised to practise in his country, who has the skill to provide
medical or surgical services for the illness, disability or disease concerned; or
(ii) any medical practitioner or specialist doctor in Singapore we choose if you or the life
insured makes a claim for basic benefit under this policy.
This person must not be you or the life insured, or your or the life insured’s husband or
wife, relative or business partner.
(n) Non-participating
This policy does not benefit from our surplus distributions. When you ask to end the policy
or if the policy lapses or ends, it will have no cash value.
(o) Policy
(i) This policy includes:
1. the application and any amendments thereof;
2. this basic benefit contract;
3. the schedule page;
4. the endorsements (if any); and
5. information provided by you and/or the life insured after or with your application.
(ii) We may issue new versions of the schedule pages or endorsements to show changes
made to this policy. The schedule page or endorsement with the most recent start date
will apply. Any change to this policy must be in writing and signed by our Chief
Executive or Chief Operations Officer.
(iii) We are not bound by any representation made by or to any other person not included in
this policy.
(p) Pre-existing cancer refers to any cancer which existed before the policy issue date or the
date of reinstatement, whichever is later, unless the condition had been declared and
accepted by us:
(i) which presented signs or symptoms of which you or the life insured was aware of or
should reasonably have been aware of; or
(ii) for which treatment was recommended by or received from a medical examiner; or
(iii) for which the life insured has undergone medical tests or investigations.
(q) Pre-existing condition refers to any condition or illness which existed before the policy issue
date or the date of reinstatement, whichever is later, unless the condition had been declared
and accepted by us:
(i) which presented signs or symptoms of which you or the life insured was aware of or should
reasonably have been aware of; or
(ii) for which treatment was recommended by or received from a medical examiner; or
(iii) for which the life insured has undergone medical tests or investigations.
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(r) Schedule page
This forms part of this policy setting out specific details.
(s) Sum insured
This refers to the sum insured of the basic benefit as shown on the Appendix A.
(t) We, our, us
Manulife (Singapore) Pte. Ltd.
(u) You, your, yourself
The person named as owner on the schedule page or endorsement. You must keep to the
terms and have all rights 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 (“free-
look period”).
(b) If you cancel the policy within this free-look period, we will refund all premiums paid without
interest and less any medical fees or other expenses (including but not limited to payment for
medical check-ups and medical reports) 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 and received by
you 7 days after the date of posting or email sent.
4. Premiums
(a) The monthly premium payable for this basic benefit
(i) during the policy term is shown on the schedule page or endorsement; and
(ii) during any renewed term, will be based on the attained age of the life insured as at the
start of each renewed term.
(b) The premium rate is not guaranteed. We reserve the right to change the premium rate for this
policy by giving you 30 days’ notice.
(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) We may charge an administrative fee for any monthly premium not paid through GIRO or where
the GIRO transaction has not been successful.
(f) You must continue to pay premiums until we have approved any claim, which will result in the
policy ending.
5. Renewal
(a) This policy is guaranteed renewable (without any evidence of health) every 5 years on the day
after the expiry date of either (i) the policy term; or (ii) subsequent renewed term. The last and
final renewed term shall be 5 years from the policy anniversary immediately following the life
insured’s 70th birthday and no later.
(b) Each renewed term is for a term period equivalent to the policy term. The first renewed term
will start on the day after the expiry of the policy term and each renewed term thereafter (if
applicable) will start on the day after the expiry of the immediate preceding renewed term.
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 period of grace. You may ask us to reinstate the policy within 3 months from the date the
policy lapses.
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(b) We will evaluate and confirm whether we can reinstate the policy and we must receive the
following from you:
(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 (Cap. 142), you and the life insured must disclose all facts you
and/or the life insure 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 the 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; or
(ii) the effective date of the most recent reinstatement of the policy.
(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 the policy debt, amounts you owe to us,
medical and other expenses incurred and to be incurred by us under this policy.
9. 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).
(b) You or the person making the claim must give us evidence of the claim within 30 days after
notice of the claim (or as soon as possible) and 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. The opinion and diagnosis of this medical examiner 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 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 adjust the premiums paid
or due under this policy to that 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 the 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 they may suffer or have to pay as a result of or in connection with the claim.
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(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).
(h) We will take any amount you owe us on your policy before we pay any claim.
(i) We will not pay the death benefit if the life insured dies due to a pre-existing condition
within 1 year from the policy issue date or the date of reinstatement of the policy, whichever is
later, and we will refund all premiums paid without interest and less any medical or other
expenses we have had to pay in connection with this policy.
(j) We will not pay the cancer benefits if:
(i) the life insured did not survive for at least 7 days from the date of event; or
(ii) the date of event is within 90 days from the policy issue date or the date of reinstatement
of this policy, whichever is later; or
(iii) they are in the presence of Human Immunodeficiency Virus (HIV), Acquired
Immunodeficiency Syndrome (AIDS) or any AIDS-related condition; or
(iv) they are due to a pre-existing cancer.
10. Residence, travel and occupation
There are no restrictions on where the life insured stays, travels or works, unless we say otherwise.
11. Change of country of residence
You must tell us as soon as possible about any change to the country of residence but not more
than 30 days from the change.
(a) If we are not told about the change, we can refuse a claim if the country of residence is not
one which we insure for this product.
(b) We may end the policy according to the risk classification of the new country of residence
from the next premium due date of the policy.
12. 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 the notice through our 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.
13. Survival period
For the payment of cancer benefit mentioned in the basic benefit conditions, the life insured is
required to survive for at least 7 days from the date of event before the relevant benefit is payable.
Otherwise, only the death benefit shall be payable.
Any premium due and paid within the 7 days of survival period will be refunded without interest if the
life insured is alive after the survival period.
14. Waiting Period
We will not cover the cancer benefit if cancer is diagnosed within 90 days from:
(i) the policy issue date; or
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(ii) the date of reinstatement of this policy,
whichever is later.
15. Suicide
(a) If the life insured dies from suicide 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 medical or other
expenses we have had to pay in connection with this policy.
(b) If the life insured dies from suicide within 1 year from the effective 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 medical or
other expenses we have had to pay in connection with this policy.
16. Termination
This policy will end:
(a) when we receive your notice in writing to end the policy;
(b) when it lapses;
(c) when the life insured dies;
(d) when the death benefit is paid in full;
(e) when the cancer benefit is paid in full; or
(f) on the benefit end date,
whichever happens first.
17. Law which applies
This policy shall be governed by and construed in accordance with the laws of Singapore. The
Singapore courts shall have exclusive jurisdiction over this policy.
18. Contracts (Rights of Third Parties) Act
A person who is not directly involved in this policy will have no rights under the Contracts (Rights of
Third Parties) Act (Cap. 53B) to enforce any of the terms.
19. Policy transactions
If you want to carry out any transaction under this policy, you must use the forms we provide to
you. You must update us about any change in your personal information, especially your
correspondence address, residential address, email address and contact number.
20. Currency
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.
21. 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
LIA or SDIC web-sites (www.lia.org.sg or www.sdic.org.sg).
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Basic benefit conditions
22. Death benefit
If the life insured dies while this policy is in force, we will pay the sum insured which applies at the
time of death, less any unpaid premium. Upon the payment of the death benefit, this policy will end.
23. Cancer benefit
(a) If the life insured is diagnosed with cancer while this policy is in force, we will pay the sum
insured, less any unpaid premium.
(b) If there is or are other CancerCare policy(ies) issued by us or applied by you or the life
insured that cover(s) the same life insured, the maximum cancer benefit we will pay under
all the policies issued by us shall not exceed S$150,000.
(c) Upon payment of the cancer benefit, this policy will end.
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Appendix A
The table below shows the plan type and sum insured offered by us. We will pay the basic benefits as
described in clauses 22 and 23 in accordance to the plan type selected by you which is shown in the
schedule page or any other endorsement.
Plan Type / Sum Insured (S$)
Basic benefit Headstart Essential Advantage
Cancer benefit 50,000 100,000 150,000
Death benefit 10,000 20,000 30,000
Appendix B
Cancer Definition
Early Stage Cancer Intermediate Stage Cancer Advanced Stage Cancer
Carcinoma in situ Carcinoma in situ of Specified Major Cancer
Carcinoma in situ means the focal Organs treated with Radical A malignant tumour positively
autonomous new growth of Surgery diagnosed with histological
carcinomatous cells confined to The actual undergoing of a Radical confirmation and characterized by
the cells in which it originated and Surgery to arrest the spread of the uncontrolled growth of
has not yet resulted in the invasion malignancy in that specific organ, malignant cells with invasion and
and/or destruction of surrounding which must be considered as destruction of normal tissue.
tissues. ‘Invasion’ means an appropriate and necessary
infiltration and/or active destruction treatment. The term Major Cancer includes,
of normal tissue beyond the “Radical Surgery” is defined in this but is not limited to, leukemia,
basement membrane. The policy as the total and complete lymphoma and sarcoma.
diagnosis of the Carcinoma in situ removal of one (1) of the following
must always be supported by a organs: breast (mastectomy), Major Cancer diagnosed on the
histo-pathological report. prostate (prostatectomy), corpus basis of finding tumour cells and/or
Furthermore, the diagnosis of uteri (hysterectomy), ovary tumour-associated molecules in
Carcinoma in situ must always be (oopherectomy), fallopian tube blood, saliva, faeces, urine or any
positively diagnosed upon the (salpingectomy), colon (partial other bodily fluid in the absence of
basis of a microscopic examination colectomy with end to end further definitive and clinically
of the fixed tissue, supported by a anastomosis) or stomach (partial verifiable evidence does not meet
biopsy result. gastrectomy with end to end the above definition.
anastomosis). The diagnosis of
Early Prostate Cancer the Carcinoma in situ must always For the above definition, the
Prostate cancer that is be positively diagnosed upon the following are excluded:
histologically described using the basis of a microscopic examination A) All tumours which are
TNM Classification as T1N0M0 or of fixed tissues additionally histologically classified as any
Prostate cancers described using supported by a biopsy of the of the following:
another equivalent classification. removed organ. ▪ Pre-malignant;
▪ Non-invasive;
Early Thyroid Cancer Early prostate cancer that is ▪ Carcinoma-in-situ (Tis) or Ta;
Thyroid cancer that is histologically histologically described using the ▪ Having borderline malignancy;
described using the TNM TNM Classification as T1N0M0 or ▪ Having any degree of
Classification as T1N0M0 as well Prostate cancers described using malignant potential;
as Papillary microcarcinoma of another equivalent classification is ▪ Having suspicious
thyroid. also covered if it has been treated malignancy;
with a radical prostatectomy. ▪ Neoplasm of uncertain or
Early Bladder Cancer unknown behavior; or
Bladder cancer that is The actual undergoing of the ▪ All grades of dysplasia,
histologically described using the surgeries listed above and the squamous intraepithelial
TNM Classification as Tis or surgery must be certified to be lesions (HSIL and LSIL) and
T1N0M0. Non-invasive papillary absolutely necessary by an intra epithelial neoplasia;
urothelial carcinoma of the bladder oncologist. Partial surgical removal
(stage Ta) is excluded. such as lumpectomy and partial B) Any non-melanoma skin
mastectomy and partial carcinoma, skin confined
Early Chronic Lymphocytic prostatectomy are specifically primary cutaneous lymphoma
Leukemia excluded. and dermatofibrosarcoma
Chronic Lymphocytic Leukemia protuberans unless there is
(CLL) RAI Stage 1 or 2. CLL RAI Carcinoma in situ means the focal evidence of metastases to
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stage 0 or lower is excluded. autonomous new growth of lymph nodes or beyond;
carcinomatous cells confined to C) Malignant melanoma that has
Neuroendocrine Tumours the cells in which it originated and not caused invasion beyond
All Neuroendocrine tumours has not yet resulted in the invasion the epidermis;
histologically classified as T1N0M0 and/ or destruction of surrounding D) All Prostate cancers
(TNM Classification). tissues. ‘Invasion’ means an histologically described as
infiltration and/or active destruction T1N0M0 (TNM Classification)
Gastro-intestinal Stromal of normal tissue beyond the or below; or Prostate cancers
Tumours basement membrane. The of another equivalent or lesser
All Gastro-intestinal Stromal diagnosis of the Carcinoma in situ classification;
Tumours histologically classified must always be supported by a E) All Thyroid cancers
as Stage I or IA according to the histopathological report. histologically classified as
latest edition of the AJCC Cancer T1N0M0 (TNM Classification)
Staging Manual which are treated The following conditions are or below;
with surgery or chemotherapy as specifically excluded from the F) All Neuroendocrine tumours
recommended by an oncologist. coverage: histologically classified as
• Clinical diagnosis T1N0M0 (TNM Classification)
Bone Marrow Malignancies • Any diagnosis on the basis of or below;
All bone marrow malignancies finding tumour cells and/or G) All tumours of the Urinary
which do not require recurrent tumor-associated molecules in Bladder histologically
blood transfusions, chemotherapy, blood, saliva, faeces, urine or classified as T1N0M0 (TNM
targeted cancer therapies, bone any other bodily fluid in the Classification) or below;
marrow transplant, haematopoietic absence of further definitive and H) All Gastro-Intestinal Stromal
stem cell transplant or other major clinically verifiable evidence tumours histologically
interventionist treatment. does not meet the above classified as Stage I or IA
definition. according to the latest edition of
The diagnosis of the above minor • Any lesion or tumour which is the AJCC Cancer Staging
cancers must be established by histologically described as Manual, or below;
histological evidence and be benign, dysplasia, premalignant, I) Chronic Lymphocytic
confirmed by a specialist in the borderline malignant, or Leukaemia less than RAI
relevant field. suspicious malignant potential. Stage 3;
• Cervical Dysplasia, CIN-1, CIN-2 J) All bone marrow malignancies
The following conditions are and CIN-3 and low grade & high which do not require recurrent
specifically excluded from grade squamous epithelial blood transfusions,
coverage: lesions unless specifically chemotherapy, targeted
• Clinical diagnosis reported as CIS (carcinoma in cancer therapies, bone
• Any diagnosis on the basis of situ). marrow transplant,
finding tumour cells and/or • Prostatic Intraepithelial haematopoietic stem cell
tumor-associated molecules in Neoplasia (PIN). transplant or other major
blood, saliva, faeces, urine or • Vulvar Intraepithelial Neoplasia interventionist treatment; and
any other bodily fluid in the (VIN). K) All tumours in the presence of
absence of further definitive and • All tumours in the presence of HIV infection.
clinically verifiable evidence Human Immunodeficiency Virus
does not meet the above (HIV) infection.
definition.
• Any lesion or tumour which is
histologically described as
benign, dysplasia, premalignant,
borderline malignant, or
suspicious malignant potential.
• Cervical Dysplasia, CIN-1, CIN-2
and CIN-3 and low grade & high
grade squamous epithelial
lesions unless specifically
reported as CIS (carcinoma in
situ).
• Prostatic Intraepithelial
Neoplasia (PIN).
• Vulvar Intraepithelial Neoplasia
(VIN).
• Melanoma in situ and any non-
melanoma skin carcinoma (in-
situ or invasive), skin confined
primary cutaneous lymphoma
and dermatofibrosarcoma
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protuberans.
• Non-invasive papillary urothelial
carcinoma of the bladder (stage
Ta).
All tumours in the presence of
Human Immunodeficiency Virus
(HIV) infection.
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