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

  1. Alzheimer's Disease / Severe Dementia
  2. Apallic Syndrome
  3. Aplastic Anaemia
  4. Bacterial Meningitis
  5. Benign Brain Tumour
  6. Blindness (Loss of Sight)
  7. Coma
  8. Coronary Artery By-Pass Surgery
  9. Deafness (Loss of Hearing)
  10. End Stage Liver Disease
  11. End Stage Lung Disease
  12. Fulminant Hepatitis
  13. Heart Attack of Specified Severity
  14. Heart Valve Surgery
  15. HIV due to Blood Transfusion and Occupationally Acquired HIV
  16. Kidney Failure
  17. Loss of Independence Existence
  18. Loss of Speech
  19. Major Burns
  20. Major Cancers
  21. Major Head Trauma
  22. Major Organ/Bone Marrow Transplantation
  23. Motor Neurone Disease
  24. Multiple Sclerosis
  25. Muscular Dystrophy
  26. Other Serious Coronary Artery Disease
  27. Paralysis (Loss of Use of Limbs)
  28. Parkinson’s Disease
  29. Poliomyelitis
  30. Primary Pulmonary Hypertension
  31. Progressive Scleroderma
  32. Stroke
  33. Surgery to Aorta
  34. Systemic Lupus Erythematosus with Lupus Nephritis
  35. Viral Encephalitis
  36. Angioplasty and Other Invasive Treatment for Coronary Artery

9 Special Conditions1 covered

  1. Diabetic Complications
  2. Osteoporosis
  3. Severe Rheumatoid Arthritis
  4. Dengue Harmorrhagic Fever
  5. Breats Reconstructive Surgery following a Mastectomy
  6. Crohn's Disease
  7. Ulcerative Colitis
  8. Wilson's Disease
  9. Pheochromocytoma

9 Juvenile Conditions2 covered

  1. Insulin Dependent Diabetes Mellitus
  2. Kawasaki Disease
  3. Osteogenesis Imperfecta
  4. Severe Haemophilia
  5. Rheumatic Fever with Valvular Impairment
  6. Severe Juvenile Rheumatoid Arthritis
  7. Type I Juvenile Spinal Amyotrophy
  8. Glomerulonephritis with Nephrotic Syndrome
  9. Rabies


The policy terms avaliable: to age 70 , 75 or 85

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
  • Death benefit
  • S$100 wellness benefit2 to motivate you  towards a healthier lifestyle
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

Key coverage

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

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.

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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. 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.

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