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What is TM MultiCare?

It is a regular premium, non-participating multi-claim Critical Illness plan which provides:

Multiple payouts across early, intermediate and advanced stage critical illnesses
Allows for 2 advanced stage critical illness claims
Allows for 2 additional claims for major cancer
Total payout of up to 900% of sum assured
Additional coverage for 10 Special Conditions¹ and 10 Juvenile Conditions²

Benefits of TM MultiCare

Critical Illness Benefit

TM MultiCare has three layers of critical illness benefits. The critical illnesses are categorised into three groups.

Layer 1 and Layer 2 cover critical illness of different stages of severity. Each group covers different types of critical illness conditions.

Layer 3 provides extra benefits for advanced stage cancer^#, even when the cancer has spread, persisted or recurred, or if there is a newly diagnosed advanced stage cancer.

^# Payable after a Layer 2 Group 1 claim has been made, or after both Layer 2 Group 2 and Layer 2 Group 3 claims have been made, whichever is earlier.

Group 1

Cancer and Illnesses Related to Major Organs

Group 2

Heart-Related Illnesses

Group 3

Illnesses Related to Nervous System and Other Systemic Conditions

Payout (% of sum assured)

Layer 1

Early / Intermediate Stage Critical Illness

Up to 2 times

Receive 100% of sum assured per claim, up to $350,000 per claim
Each claim must be from a different group

Up to 700%

Layer 2

Advanced Stage Critical Illness

Up to 2 times

For each claim, receive 300% of sum assured less any Layer 1 claims for the same group

Each claim must be from a different group
A 1-year waiting period applies for claims between different groups

Major Cancer (Advanced Stage)

(New diagnosis or advanced stage cancer that has spread / persisted / recurred)

Payout (% of sum assured)

Layer 3

Additional Cancer Benefit

Up to 2 times

Receive 100% of sum assured per claim
Minimum 2-year waiting period after Layer 2 claim
A 2-year waiting period applies for claims within Layer 3

Up to 200%

Maximum Total Payout (% of sum assured)

Up to 900%

For the list of critical illness under Layer 1 and 2 according to Group, please click on this link .

10 Special Conditions¹Covered

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

Note:
¹Each 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?

Critical illness on the rise

With critical illness on the rise in Singapore, it is important to ensure you have access to early treatment options for better chance of recovery

Higher survival rate, but so is recurrence rate

While medical advancements have improved survival rates, critical illness could still recur. There is also a higher chance of a different critical illness occurring.

Be protected against multiple critical illness

That is why safeguarding against multiple critical illness could make all the difference for you and your loved ones.

This is suitable if you want

A comprehensive coverage for early, intermediate and advanced stages of critical illnesses
Continual protection against CI even after a critical illness claim
A plan to supplement your existing coverage to provide financial support upon the diagnosis of early stage critical illness

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 Benefit

Special Benefit 10 conditions are covered

Juvenile Benefit

Juvenile Waiver Benefit

Death Benefit

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

Waiver of Premium Rider
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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