Manulife Early CompleteCare Review

Manulife Early CompleteCare is a critical illness insurance product available in Singapore, offering comprehensive coverage for 126 critical illnesses across early, intermediate, and advanced stages. This includes conditions such as coma, dementia, diabetes, major cancer, and more. It also offers guaranteed death coverage.

While other Critical Illness plans cease their coverage after you’ve claimed for your condition, Early CompleteCare covers you, again and again.

Manulife Early CompleteCare product details

• Non-participating policy – Term policy
• 2 plan types: Classic and Deluxe
• Deluxe plan
  • Allows you to make multiple claims against multiple and recurring critical illnesses, and the option to receive a monthly income stream while you receive cancer treatment
  • After the 1st claim, you can make subsequent claims up to 4 times for the diagnosis of different critical illnesses with Cover Me Again benefit
  • After the 1st claim, you can claim up to 2 times for recurring major illnesses.
• 3 coverage terms to choose from: Coverage till age 65, 75 or 85
• Continuous Cancer Income Option
  • Choose to receive a monthly payout of 4% of basic sum insured, for up to 60 months, to help cover daily living expense, bills and costs associated with cancer treatment or palliative care
• Recovery Care Plus Benefit
  • Receive a payout of up to S$25,000 when you are admitted into Intensive Care Unit (ICU) or combination of ICU and High Dependency Unit (HDU)
• Special CI Conditions Benefit
  • Covers 23 special CI conditions, of up to S$25,000 per condition, for up to 6 claims
• Complimentary advanced stage CI coverage for your child
  • Receive a payout of S$10,000 in the event your child is diagnosed with any of the covered 36 advanced stage CI conditions
    
    

Read About: Term Policy: How does it work?

Read About: 3 things to consider before taking up a new financial product

Features of Manulife Early CompleteCare at a glance

Cash and Cash Withdrawal Benefits
Cash value: No
Cash withdrawal benefits: No

Health and Insurance Coverage
Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: Yes
Early Critical Illness: Yes

Health and Insurance Coverage Multiplier
Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: Yes
Early Critical Illness: No

Optional Add-on Riders
NA

For further information and details, refer to Manulife website. Alternatively, fill-up the form below and let us advise accordingly.

Read Also: How your pre-existing medical conditions affects your insurance applications 

Manulife Early CompleteCare may be suitable if you are looking for

Manulife Early CompleteCare may potentially be a good fit if the following matters to you:

• High insurance coverage for Early Critical Illness and Critical Illness
• Lower initial premium compared to other types of insurance policies
• Looking to boost insurance coverage or fill a shortfall in an insurance portfolio
  
  

Manulife Early CompleteCare may not be suitable if you are looking for

Manulife Early CompleteCare may potentially be a bad fit if the following matters to you:

• Long-term cash accumulation
• Regular cash payout
• A one-time premium commitment with no further cash commitment
• Insurance policy with a surrender value
  
  

Further considerations on Manulife Early CompleteCare

• How is Manulife or Manulife Early CompleteCare payout and claims based on past track record?
• How does Manulife Early CompleteCare compare with Term policies from other insurance companies?
• Can Manulife Early CompleteCare fulfill my financial, insurance, health, and protection needs?
  
  

The above information may not fully highlight all the product details and features on Manulife Early CompleteCare. Talk to us or seek advice from a financial adviser before making any decision about Manulife Early CompleteCare.

Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering to take up.

Is Manulife Early CompleteCare suitable for me?