The immediate benefit of early treatment. The long-term advantage of wellness care.
What is TM EarlyCare?
It is a regular premium non-participating Critical Illness (CI) plan which covers:
117 medical conditions or procedures comprising
36 CIs from different stages of severity – Early, Intermediate & Advanced
9 Special Conditions1
9 Juvenile Conditions2
36 CIs covered
Alzheimer's Disease / Severe Dementia
Benign Brain Tumour
Blindness (Loss of Sight)
Coronary Artery By-Pass Surgery
Deafness (Loss of Hearing)
End Stage Liver Disease
End Stage Lung Disease
Heart Attack of Specified Severity
Heart Valve Surgery
HIV due to Blood Transfusion and Occupationally Acquired HIV
Loss of Independence Existence
Loss of Speech
Major Head Trauma
Major Organ/Bone Marrow Transplantation
Motor Neurone Disease
Other Serious Coronary Artery Disease
Paralysis (Loss of Use of Limbs)
Primary Pulmonary Hypertension
Surgery to Aorta
Systemic Lupus Erythematosus with Lupus Nephritis
Angioplasty and Other Invasive Treatment for Coronary Artery
9 Special Conditions1 covered
Severe Rheumatoid Arthritis
Dengue Harmorrhagic Fever
Breats Reconstructive Surgery following a Mastectomy
9 Juvenile Conditions2 covered
Insulin Dependent Diabetes Mellitus
Rheumatic Fever with Valvular Impairment
Severe Juvenile Rheumatoid Arthritis
Type I Juvenile Spinal Amyotrophy
Glomerulonephritis with Nephrotic Syndrome
The policy terms avaliable: 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. 3 A lump sum death benefit of S$20,000 regardless of the number of claims or the remaining sum assured of the policy.
Why is this important to you?
It gives you financial security to meet with rising medical costs, and peace of mind through
A lump sum payment even at early stage of a covered CI
An additional 25%1 of claim amount if diagnosed on or before age 65
All future premiums will be waived upon a successful claim on early or intermediate stage of a covered CI
9 special conditions and 9 juvenile conditions for more comprehensive coverage
S$100 wellness benefit2 to motivate you towards a healthier lifestyle
Note: 1 The additional 25% payout does not apply to a claim arising from Angioplasty and Other Invasive Treatment for Coronary Artery. This additional 25% payout does not reduce the sum assured. 2 The Wellness Benefit is provided every 2 years, starting from 2nd policy anniversary, for as long as the policy is inforce, regardless whether there are any prior claims.
This is suitable if you want
a comprehensive coverage for early stage CIs
a protection plan to supplement your existing coverage
This is not suitable if you want
a wealth enhancement or savings plan
a limited premium commitment
a high death cover
Critical Illness (CI) at 3 different stages25% extra payout1 on or before age 65. The maximum CI benefit payable is S$2.5 million per life, inclusive of all other insurance taken up with TMLS
1Not applicable to Angioplasty
Special Benefit9 conditions are covered
Juvenile Benefit9 conditions are covered until age 19
Wellness BenefitReceive S$100 every two years for a exercise regime or a regular health check
Waiver of Premium BenefitUpon your first successful Early Stage or Intermediate Stage claim, all future premiums due under the policy will be waived for the remaining policy term.
Death BenefitReceive a lump sum of S$20,000 regardless of claims already made or the remaining sum assured
Enjoy greater peace of mind with our optional riders such as:
(Enhanced) Payer Benefit Rider
(Enhanced) Spouse Rider
Future premiums will be waived in the event of Death, Total and Permanent Disability and/or upon diagnosis of any of the covered CIs.
Covers death, child-related illnesses and hospitalisation benefit. In addition, 80% of premiums paid will be refunded upon the rider’s maturity at age 19.
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.
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. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be 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 8 January 2016.