Manulife Early CompleteCare
Covers 126 conditions across all stages with multi-claim1 protection and comprehensive coverage.
About this plan
Manulife Early CompleteCare is a critical illness insurance product available in Singapore, offering comprehensive coverage for 126 critical illnesses across early, intermediate, and advanced stages. This includes conditions such as coma, dementia, major cancer and more. It also offers death coverage2.
Why should you get it?
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Comprehensive critical illness coverage Receive a payout of 100% of basic sum insured3 for all stages of critical illness, across 126 conditions including coma, dementia, major cancer and more.
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Cover Me Again Benefit1 After the first claim, you can make subsequent claims up to 4 times4 for the diagnosis of different critical illnesses.
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Recurring/Relapse Major CI Benefit1 After the first claim, you can claim up to 2 more times5,6 for the recurrence of 6 advanced stage critical illness conditions.
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Continuous Cancer Income Option1 In the event of a cancer diagnosis, you can choose to receive a monthly payout of 4% of the basic sum insured, for up to 60 months7, to help cover daily living expenses, bills and costs associated with cancer treatment or palliative care.
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Recovery Care Plus Benefit Receive a payout of an additional 20% of the sum insured, up to S$25,000 when you are admitted into the Intensive Care Unit (ICU) or a combination of ICU and High Dependency Unit (HDU)8.
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Special CI Conditions Benefit Covers 23 special CI conditions9, with a payout of an additional 20% of the sum insured, up to S$25,000 per condition, for up to 6 claims.
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Complimentary advanced stage CI coverage for your child Receive a payout10 of S$10,000 in the event your child is diagnosed with any of the covered 36 advanced-stage CI conditions.
Manulife Early CompleteCare for comprehensive coverage
Watch this short video to understand how Manulife Early CompleteCare provides comprehensive critical illness protection across different stages of illness. Learn how the plan works and how it can support you financially when you need it most.
Enjoy 10% premium discount for the first 3 years.
Get covered today and enjoy exclusive savings. T&Cs apply.
Learn more about Manulife Early CompleteCare
Manulife Early CompleteCare is designed to be simple to choose and easy to understand. Here’s how it works step by step:
Step 1: Choose your plan type
Select either the Classic or Deluxe plan based on the level of protection you want.
Step 2: Select your coverage duration
Decide how long you want protection for, up to age 65, 75, or 85.
Step 3: Upgrade for enhanced benefits (Deluxe plan)
Opt for the Deluxe plan if you want added features such as multiple claims for different or recurring critical illnesses, plus the option for a monthly income stream during cancer treatment.
Manulife Early CompleteCare may be suitable for you if you want comprehensive critical illness insurance that provides long-term financial protection across different life stages.
If you are a young working adult, you may want early critical illness coverage to protect your income and savings as you build your career.
If you are planning to start or grow a family, you may want additional financial protection to help support your loved ones if a critical illness affects your ability to work..
If you have ongoing financial commitments, such as a mortgage, education expenses or daily living costs, you may want coverage that helps ease the financial burden during recovery.
If you are a family breadwinner, you may value the lump-sum payouts that can help support your family's financial needs during a critical illness.
If you are planning for long-term financial security, you may appreciate coverage that extends into later life stages, with enhanced features such as multi-claim protection under the Deluxe plan.
Frequently asked questions
The amount of coverage you need depends on your income, monthly expenses, financial commitments and the level of protection you would like for yourself and your loved ones11. If you have dependants, outstanding loans or long-term financial goals, you may wish to consider a higher coverage amount to provide greater financial support during recovery.
Disclaimer: Coverage needs vary from person to person and depend on individual circumstances. This information is provided for general information only and should not be regarded as financial advice.
Like all insurance plans, critical illness insurance comes with certain exclusions and conditions. Coverage may not apply in specific situations as set out in the policy contract. We recommend reviewing the policy documents carefully to understand the coverage, exclusions and conditions before making a purchase.
Early critical illness coverage is designed to provide a payout when a covered condition is diagnosed at an earlier stage, helping you access financial support sooner.
Traditional critical illness insurance typically provides a payout only when a covered condition reaches a more advanced stage.
Having protection at an earlier stage can give you greater financial flexibility to focus on treatment, recovery and your family's needs.
Terms and conditions apply. Please refer to the Product Summary for more information.
1. Only applicable to the Deluxe plan
2. In the event of the death of the life insured, this plan will pay the higher of:
(a) total premiums paid to date for basic plan less any critical illness claims paid^; or
(b) 8 times the annual mode premium for the basic plan.
The policy will terminate upon death.
^ Critical illness claims paid refers to the total claims amount that we have paid under the Comprehensive CI Benefit, Cover Me Again Benefit (where applicable), Recurring/Relapse Major CI Benefit (where applicable) and Continuous Cancer Income Option (where applicable).
3. Basic sum insured refers to the sum insured amount selected at policy inception for the basic policy that is used to compute the benefits of the policy.
4. 100% of the basic sum insured will be payable upon diagnosis of a critical illness after 12 claim-free months from the last CI claim or first payment start date of the Continuous Cancer Income Option (where applicable), subject to:
(a) a maximum of 4 claims, and
(b) the new diagnosed condition not having been claimed under the basic plan.
5. Covers the following:
(i) Persistent major cancer
(ii) Recurring heart attack of specified severity
(iii) Recurring stroke with permanent neurological deficit
(iv) Repeated open-heart valve surgery
(v) Repeated major organ/ bone marrow transplant
(vi) Repeated coronary artery bypass surgery
6. 100% of the basic sum insured will be payable upon diagnosis of a recurring/relapse condition after 24 claim-free months from the last CI claim or first payment start date of the Continuous Cancer Income Option (where applicable), subject to a maximum of 2 claims. If the Continuous Cancer Income Option is exercised, the maximum benefit payable will be reduced from 2 claims to 1 claim, providing coverage for all the covered recurring/relapse conditions except Persistent Major Cancer.
7. This option can only be exercised once, and the option is no longer applicable if the Recurring/Relapse Major CI Benefit has been fully claimed. To exercise this option,
(i) the life insured must be diagnosed with advanced stage major cancer, leading to a claim paid under the Comprehensive CI Benefit or Cover Me Again Benefit at least 12 months ago;
(ii) there should be no diagnosis of a condition covered under the Cover Me Again Benefit or Recurring/Relapse Major CI Benefit within the last 12 months leading to a claim paid;
(iii) there should be no claim made for Persistent Major Cancer condition under the Recurring/Relapse Major CI Benefit; and
(iv) the life insured is currently undergoing active cancer treatment or palliative care in Singapore.
The monthly income is no longer payable upon the death of the life insured.
Please refer to the Product Summary for the other terms and conditions that apply.
8. The life insured must stay in the ICU or ICU plus HDU for 4 consecutive days or more from the date of admission in one hospital admission in Singapore.
9. Each of the conditions can only be claimed once, subject to a maximum of 6 claims per policy.
10. This benefit is paid on a per child basis, subject to a maximum of $20,000 per policy.
Manulife Early CompleteCare and its supplementary benefits are underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D). This advertisement has not been reviewed by the Monetary Authority of Singapore. Premiums are not guaranteed and may be adjusted based on future claims experience. Manulife reserves the right to vary premiums at any time by giving 30 days' written notice to the policyowner before doing so. Buying health insurance products that are unsuitable for you may affect your ability to finance your future healthcare needs. This website is for your information only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. You can find the full terms and conditions, details, and exclusions for the mentioned insurance product(s) in the policy contract. If there are any differences between the English and Chinese versions of this brochure, the English version will apply.
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 coverage, where applicable, please contact us or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
The information on this page is for general informational purposes only and does not constitute financial advice.
We recommend that you seek advice from a Manulife Financial Consultant or its Appointed Distributors before making a commitment to purchase a policy.
Information is correct as of 14 September 2025