Critical Illness Plan

1. Life is more blissful, when your mind is at ease
mEase

3. Benefits at a Glance:
Covers 30 Critical Illnesses (CI), Total and Permanent Disability
(TPD) and loss of life. Flexibility of coverage is based on your
needs.
Option to convert to regular premium whole life, endowment or
investment-linked policy, providing similar cover, from Manulife
(Singapore) without evidence of health.
Waiver of subsequent premiums upon TPD/CI claim with rider(s)
attached. Life coverage continues.
Finding solace with ease,
in every way possible
In today’s hectic world, we look for ways to set our mind at ease with whatever
means possible. Some people opt for healthy activities such as yoga and Pilates
while for others, it’s herbal tea and health food. But one thing is clear, with peace
of mind, you can take on the challenges of life with more confidence.
As such, it becomes equally important for us to take concrete steps to make sure
life does not go out of gear should we find ourselves struck with a severe illness.
In fact, it is only through proper planning that we can make sure our way of life is
protected when things do not go exactly as anticipated.
mEase Plan 02

4. Critical coverage
that everyone needs
A comprehensive plan that provides coverage against 30 critical illnesses, mEase
is designed to protect your lifestyle and income. This will help your family tide over a
period of income loss, especially important if you are the sole breadwinner. Should
the need arise, you can also use the proceeds from the plan to seek treatment.
The plan covers death and critical illnesses until age 75 while also offering protection
against Total and Permanent Disability (TPD) until age 65.
mEase pays out the sum insured in one lump sum1 upon the diagnosis of any of 29
covered critical illnesses. For Angioplasty & other Invasive Treatment for Coronary
Artery, 10% of the sum insured will be advanced.
In addition, mEase advances the sum insured in the event of TPD. In the unfortunate
event of death, a Compassionate Death Benefit of $10,000 will be payable.
mEase can also be bundled with the mEase Life Rider for a more comprehensive
protection of your lifestyle. With mEase Life Rider, an additional sum covering
death will be paid on top of the Compassionate Death Benefit. mEase Life Rider
also waives subsequent premiums2 under mEase if the insured suffers TPD or is
diagnosed with any of the 29 covered critical illnesses3. Hence the insured is able
to concentrate on recovery, knowing that premium payments are already taken
care of while continuing with the life coverage.

5. What’s more, the premiums you pay are levelled at entry age.4 You will hence
enjoy a lower premium when you purchase this plan at an earlier age.
List of 30 Covered Critical Illnesses
21. Alzheimer’s Disease/
1. Major Cancers 11. Deafness (Loss of Hearing) Severe Dementia
2. Heart Attack 12. Heart Valve Surgery 22. Fulminant Hepatitis
3. Stroke 13. Loss of Speech 23. Motor Neurone Disease
4. Coronary Artery 24. Primary Pulmonary
14. Major Burns
Bypass Surgery Hypertension
25. HIV due to Blood
15. Major Organ/Bone Marrow
5. Kidney Failure Transfusion & Occupational
Transplantation Acquired HIV
6. Aplastic Anaemia 16. Multiple Sclerosis 26. Benign Brain Tumour
7. Blindness (Loss of Sight) 17. Muscular Dystrophy 27. Bacterial Meningitis
8. End Stage Lung Disease 18. Encephalitis 28. Major Head Trauma
29. Systemic Lupus
9. End Stage Liver Failure 19. Parkinson’s Disease Erythematosus
with Lupus Nephritis
30. Angioplasty & other
10. Coma 20. Surgery to Aorta Invasive Treatment for
Coronary Artery5
1
Sum insured in one lump sum is payable if the insured survives for a period of 28 days
from the date of diagnosis while the policy is in force.
2
Waiver of premiums is subjected to terms and conditions such as waiting period, exclusions
and limits of compensation.
3
Waiver for mEase Life Rider does not apply if the insured is diagnosed with Angioplasty &
other Invasive Treatment for Coronary Treatment.
4
Premium rates are not guaranteed. Manulife (Singapore) reserves the right to change the
premium rates by giving 30 days notice.
5
For Angioplasty & other Invasive Treatment for Coronary Artery, 10% of the Sum Insured
will be advanced. This Benefit is payable only once, subject to a maximum amount of
$25,000 per life, for all policies issued by the Company. After such a Claim, only the
balance Sum Insured of this Policy remains in-force.
mEase Plan 04

6. Ease into better protection
with Optional Riders
mEase also comes with optional Payor Benefit Riders that waive subsequent
premiums2 should the Payor die or suffer from TPD, or is diagnosed with any of 30
covered critical illnesses6.
These riders will help lighten the financial burden of your loved ones if the unfortunate
happens. With these waivers, the insured can continue to enjoy the benefits of
mEase without worrying about premium payments.
6
The 30 critical illnesses covered by the Critical Care Payor Benefit Rider are the same as
mEase except for Angioplasty & other Invasive Treatment for Coronary Artery which is
replaced by paralysis (loss of limbs).

7. Payor Benefit Riders
Optional Rider Supplementary Benefit(s)
If the Payor dies or suffers from TPD, subsequent
premiums under the Policy will be waived until the
Payor Benefit Rider policy anniversary after the insured’s 25th birthday7; or
Payor’s 65th birthday; or the expiry of this Payor Benefit
Rider, whichever is earlier.t-linked policy^.
If the Payor dies or suffers from TPD or is diagnosed
with any of the 30 covered Critical Illnesses, subsequent
Critical Care Payor premiums under the Policy will be waived until the
Benefit Rider6 policy anniversary after the insured’s 25th birthday7; or
Payor’s 65th birthday; or the expiry of this Critical Care
Payor Benefit Rider, whichever is earlier.
7
This will apply if the insured is a juvenile at the Policy Effective Date.
mEase Plan 06

8. Conversion
without further proof of health
While in-force and before the Policy Anniversary immediately following the 65th
birthday of the insured, mEase and the mEase Life Rider (if attached) may be
converted without further evidence of health, to regular premium whole life,
endowment or investment-linked policy, providing similar cover, from Manulife
(Singapore), subjected to the following terms and conditions:
a.The total coverage of the converted plan cannot exceed the total coverage of
mEase and mEase Life Rider, if attached.
b.The insured will have to undergo medical underwriting if the converted plan
covers events other than death and critical illnesses.
c.The premium rates on the converted plan will be based on the attained age of
the insured at the date of conversion.
d.The converted plan will be issued at the same terms (ie,. standard or sub-standard
terms) as mEase and mEase Life Rider, if attached.
e.The coverage on mEase and mEase Life Rider, if attached, will cease once the
converted plan (full conversion of mEase and mEase Life Rider) is in force.
f.This conversion privilege will not be applicable if either critical illness or TPD has
been claimed.
g.Partial conversion of mEase and mEase Life Rider are allowed subject to the
minimum sum insured of the converted plan.

9. Designed to bring you complete peace of mind, mEase, together with the mEase Life
Rider, ensure that when the unexpected happens, you are able to protect your
lifestyle or if needed, be equipped financially to focus on your recovery. Speak with
your Manulife Financial Planner or call 6833 8188 today to learn how mEase and the
mEase Life Rider can empower you with the peace of mind to pursue whatever
dreams you have, to their fullest.
Important Notes and Disclaimer
This promotional material is not a contract of insurance and is not intended as an offer or
recommendation to the purchase of the plan. The specific details applicable to this insurance
plan are set out in the policy contract. This promotional material is for general information
only and does not have regard to your specific investment objectives, financial situation and
any of your particular needs. You may wish to seek advice from a financial adviser before
making a commitment to purchase the plan. In the event that you choose not to seek advice
from a financial adviser, you should consider carefully whether this plan is suitable for you.
Replacing a policy with a new one does not usually result in any advantage to the policyholder.
The disadvantages are: you may pay higher premiums due to higher age or not be offered
insurance coverage on standard terms.
The product investment risk of this plan is classified as “not applicable”.
In case of discrepancy between the English and Chinese versions, the English version shall prevail.
mEase Plan 08

10. About
Manulife Financial
Manulife (Singapore) Pte Ltd is a subsidiary of Manulife Financial Corporation.
Manulife Financial is a leading Canadian-based financial services group operating in
22 countries and territories worldwide. For more than 120 years, clients have looked
to Manulife for strong, reliable, trustworthy and forward-thinking solutions for their
most significant financial decisions. Our international network of employees, financial
planners and distribution partners offers financial protection and wealth management
products and services to millions of clients. We provide asset management services
to institutional customers worldwide as well as reinsurance solutions, specialising in
life and property and casualty retrocession.
Our strong and stable capital levels enables us to sustain high credit ratings,
finance new opportunities and most importantly, maintain our commitment to our
policyholders.
Manulife Financial Corporation trades as ‘MFC’ on the TSX, NYSE and PSE, and
under ‘945’ on the SEHK. Manulife Financial can be found on the Internet at
www.manulife.com

12. Manulife (Singapore) Pte. Ltd. Reg. No. 198002116D
A Manulife Financial company.
Tel: 6737 1221 Fax: 6737 8488 Website: www.manulife.com.sg
Manulife Financial and the block design are registered service marks and
trademarks of The Manufacturers Life Insurance Company and are used by it
and its affiliates, including Manulife Financial Corporation.
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