What is TM EarlyCover ?

It is a regular premium, non-participating Critical Illness plan which covers:

119 medical conditions or procedures comprising

  • 99 critical illnesses from different stages of severity – early, intermediate and advanced
  • 10 Special Conditions1
  • 10 Juvenile Conditions2
  • Waiver of future premiums upon diagnosis of an early or intermediate stage critical illness

 

99 Critical Illness covered

For the list of critical illness, please click on this link

10 Special Conditions1 covered

1

Angioplasty and Other Invasive Treatment for Coronary Artery

6

Osteoporosis

2

Breast Reconstructive Surgery following a Mastectomy

7

Pheochromocytoma

3

Crohn’s Disease

8

Severe Rheumatoid Arthritis

4

Dengue Haemorrhagic Fever

9

Ulcerative Colitis

5

Diabetic Complications

10

Wilson’s Disease

 

10 Juvenile Conditions2 covered

1

Generalised Tetanus

6

Rabies

2

Glomerulonephritis with Nephrotic Syndrome

7

Rheumatic Fever with Valvular Impairment

3

Insulin Dependent Diabetes Mellitus

8

Severe Haemophilia

4

Kawasaki Disease

9

Severe Juvenile Rheumatoid Arthritis

5

Osteogenesis Imperfecta

10

Type I Juvenile Spinal Amyotrophy


TM EarlyCover
offers 3 policy terms: Up to age 70, 75 or 85

Note:
1 Each Special Condition is only payable once per policy, subject to a maximum limit of S$25,000 on each covered Special Condition per life, including all insurance taken with Tokio Marine Life Insurance Singapore Ltd. (TMLS). Special Benefit is calculated based on the original sum assured and payment of Special Benefit will not reduce the sum assured. A maximum of 5 claims are allowed.
2 Each Juvenile Condition, provided up to age 19, is only payable once per policy, subject to a maximum limit of S$25,000 on each covered Juvenile Condition per life, including all insurance taken with TMLS. Juvenile Benefit is calculated based on the original sum assured and payment of Juvenile Benefit will not reduce the sum assured. A maximum of 5 claims are allowed.

Why is this important to you ?

With today’s medical advancements, early diagnosis of critical illnesses is possible and can give a much better chance of recovery. To access available early treatment options, it is important to be financially protected right from the start.

  • Comprehensive coverage against early, intermediate and advanced stages of medical conditions / procedures
  • Up to S$350,000 lump sum payment for early stage critical illness
  • Affordable premium from as little as S$1* a day
  • Waiver of future premiums upon early or intermediate stage of critical illness
  • Additional coverage for 10 Special Conditions and 10 Juvenile Conditions
  • Lump sum payout upon death 
*Based on annual premium for a 40-year-old female, non-smoker with policy term up to age 70 and S$30,000 sum assured.

This is suitable if you want

  • A comprehensive coverage for early, intermediate and advanced stages of critical illnesses.
  • A protection plan to supplement your existing coverage to provide financial support upon the diagnosis of early stage critical illnesses

This is not suitable if you want

  • A wealth enhancement or savings plan
  • A limited premium commitment
  • A high death cover
  • A critical illness plan that allows for multiple claims

Key coverage

  • Critical Illness (CI) at 3 different stages
  • Special Benefit
  • Juvenile Benefit
  • Premium Waiver Benefit
  • Death Benefit

Enjoy greater peace of mind with our optional riders such as:

  • Payer Benefit Rider
  • Enhanced Payer Benefit Rider
  • Spouse Rider
  • Enhanced Spouse Rider
All ages mentioned in this website are based on age next birthday. All benefits and features mentioned herein are subject to terms and conditions of the policy. You must refer to the Policy Contract for the precise terms and conditions of this insurance plan.

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Important information

This plan is underwritten by Tokio Marine Life Insurance Singapore Ltd. and is only available through our authorised distributors. Kindly obtain the required product disclosures and seek advice from a financial adviser before making a commitment to purchase this plan. As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. It is also detrimental to replace an existing life insurance policy with a new one as the new policy may cost more or have fewer benefits at the same cost.

For policies distributed in Singapore:
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 us or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

Information shown in this website is for reference only and is correct as 29 January 2018.

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