Policy Owners' Protection Scheme

This plan 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 Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg)

Wealth Product Disclaimers

Terms and Conditions apply. This is for general information and does not take into account your particular investment and protection aims, financial situation or needs. You should seek advice from a financial adviser before committing to a purchase. Otherwise, you should consider the suitability of the product. Insurance plans are provided by The Great Eastern Life Assurance Company Limited. This is not a contract of insurance. The precise terms and conditions of the insurance plans are specified in the policy contract. 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.

A copy of the prospectus of the fund is available and may be obtained from the fund manager or its approved distributors. Potential investors should read the prospectus for details before deciding whether to subscribe for, or purchase units in the fund. The value of the units in the funds and the income accruing to the units, if any, may fall or rise. Payouts are not guaranteed and may be changed at the fund manager's discretion without prior notice. Please refer to the prospectus for the name of the fund manager and the investment objectives. OCBC Bank, its related companies, their respective directors and/or employees (collectively “Related Persons”) may or might have in the future interests in the investment products or the issuers mentioned herein. Such interests include effecting transactions in such investment products, and providing broking, investment banking and other financial services to such issuers. OCBC Bank and its Related Persons may also be related to, and receive fees from, providers of such investment products.

"Early Cancer" refers to any one of the following minor cancer conditions:

1. Carcinoma-in-situ of the following sites: breast, uterus, ovary, fallopian tube, vulva, vagina, cervix uteri, colon, rectum, penis, testis, lung, liver, bladder, stomach or nasopharynx. The diagnosis of carcinoma-in-situ must be positively established by microscopic examination of fixed tissues. Clinical diagnosis or the Cervical Intraepithelial Neoplasia (CIN) classification which reports CIN I, CIN II, CIN III (severe dysplasia without carcinoma-in-situ) does not meet with the required definition and are specifically excluded. Carcinoma-in-situ of the skin or biliary system are also specifically excluded.
2. Prostate Cancer that is histologically described using the TNM Classification as T1N0M0 or Prostate cancers described using another equivalent classification.
3. Thyroid Cancer that is histologically described utilising TNM Classification as T1N0M0 as well as Papillary micro-carcinoma of the Thyroid that is less than 1cm in diameter.
4. Urinary Bladder Cancer that is histologically described utilising the TNM Classification as T1N0M0 (including Papillary micro-carcinoma of the Bladder).

"Major cancers" refer to a malignant tumour positively diagnosed with histological confirmation and characterised by the uncontrolled growth of malignant cells with invasion and destruction of normal tissue. The term "malignant tumour" includes leukemia, lymphoma and sarcoma. For the above definition, the following are excluded:

• 1. All tumours which are histologically classified as any of the following:
  • • Pre-malignant;
  • • Non-invasive;
  • • Carcinoma-in-situ;
  • • Having borderline malignancy;
  • • Having any degree of malignant potential;
  • • Having suspicious malignancy;
  • • Neoplasm of uncertain or unknown behaviour; or
  • • Cervical Dysplasia CIN-1, CIN-2 and CIN-3;
• 2. Any non-melanoma skin carcinoma unless there is evidence of metastases to lymph nodes or beyond;
• 3. Malignant melanoma that has not caused invasion beyond the epidermis;
• 4. All Prostate cancers histologically described as T1N0M0 (TNM Classification) or below; or Prostate cancers of another equivalent or lesser classification;
• 5. All Thyroid cancers histologically classified as T1N0M0 (TNM Classification) or below;
• 6. All tumours of the Urinary Bladder histologically classified as T1N0M0 (TNM Classification) or below;
• 7. All Gastro-Intestinal Stromal tumours histologically classified as T1N0M0 (TNM Classification) or below and with mitotic count of less than or equal to 5/50 HPFs;
• 8. Chronic Lymphocytic Leukaemia less than RAI Stage 3; and
• 9. All tumours in the presence of HIV infection.

The Great Eastern Life Assurance Company Limited, will not provide the benefits:

• (a) if there was a pre-existing Cancer (referring to a Cancer diagnosed prior to the date of commencement or reinstatement of the policy (as the case may be)).
• (b) for any Cancer if the diagnosis was made within ninety (90) days from the date of issue of the Policy. If the Policy was reinstated, the Company will also not provide the benefits if the diagnosis of any Cancer was made within ninety (90) days from the date of reinstatement of the Policy.
• (c) for any Cancer if it:
  • (i) ) was caused directly or indirectly by Acquired Immunodeficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV); or
  • (ii) was caused directly or indirectly by alcohol or drug abuse
• (d) You are unable to fulfill the health declaration stated below
  • For male customers:
  • (i) Never been diagnosed with Cancer / Carcinoma in situ / Leukaemia / Lymphoma
  • (ii) In the last 2 years, have not been investigated nor currently awaiting any medical consultation or follow-up, for any of the following conditions :
    • • Colorectal polyp;
    • • Liver disease
    • • Persistent coughing of blood
    • • Diarrhoea lasting more than one week
    • • Unexplained weight loss of more than 5 kg
  
  
  • For female customers:
  • (i) Never been diagnosed with Cancer / Carcinoma in situ / Leukaemia / Lymphoma
  • (ii) In the last 2 years, have not been investigated nor currently awaiting any medical consultation or follow-up, for any of the following conditions :
    • • Abnormal breast lump
    • • Ovarian / Uterine growth
    • • Colorectal polyp
    • • Persistent coughing of blood
    • • Diarrhoea lasting more than one week
    • • Unexplained weight loss of more than 5kg
  
  
• (e) if you have withheld any information or given false information which influence the acceptance of this proposal.

Important Notes

The above is for general information only. This is not a contract of insurance. The precise terms and conditions of this insurance plan are specified in the policy contract. Early Cancer Care is provided by The Great Eastern Life Assurance Company Limited.

This is only product information provided by us. You may wish to seek advice from a qualified adviser before making a commitment to purchase this product. In the event that you choose not to seek advice from a qualified adviser, you should consider whether the product in question is suitable for you. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.

It is usually detrimental to replace an existing accident and health plan with a new one. A penalty may be imposed for early plan termination and the new plan may cost more, or have less benefits at the same cost.

In the event that you decide the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

Policy Owners' Protection Scheme

This plan 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 Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

Frequently Asked Questions

Q1: How long will I be able to enjoy the cancer coverage for?
A1: Early Cancer Care can be renewed until the policy anniversary on which you would be age 85 next birthday.

Q2: Can I sign up for my spouse or children?
A2: No. This policy is only available for OCBC Bank (Singapore) staff, until 9 June 2017.

Q3: Can I upgrade/downgrade my Early Cancer Care Plan in the future?
A3: Once the policy is inforced, only downgrading of plan is allowed. You may not upgrade your plan type after the inception of your policy. If you wish to downgrade the plan type after inception of your policy, it will be subject to Great Eastern's discretion to reject or approve the application.

Q4: How does Early Cancer Care complement my existing hospital plan and/or critical illness plan?
A4: Early Cancer Care covers you for Early Cancer (including Carcinoma-in-situ) and Major Cancers. Upon cancer diagnosis, you will receive a:

Lump sum benefit, plus 6 monthly payouts of cancer recovery benefit which is S$3,000 for Plan C, S$2,000 for Plan B and S$1,000 for Plan A
on top of payouts from your hospital or critical illness plans. This gives you higher coverage to deal with the burden of treatment or recovery costs. Your future premiums will also be waived throughout the policy term in the event of an Early Cancer claim.

Q5: Can I sign up with my OCBC Personal Financial Consultant or Relationship Manager?
A5: No. Application for Early Cancer Care is only available via the online platform (i.e. OCBC's iBanking).

Q6: Under what circumstances will the benefits of Early Cancer Care not be payable?
A6: he Great Eastern Life Assurance Company will not provide the benefits under Early Cancer Care:

(a) if there was a pre-existing Cancer (referring to a Cancer diagnosed prior to the date of commencement or reinstatement of the policy (as the case may be)). (b) for any Cancer if the diagnosis was made within ninety (90) days from the date of issue of your policy. If your policy is reinstated, the benefits will also not be provided if the diagnosis of any Cancer is made within ninety (90) days from the date of reinstatement of your policy. (c) for any Cancer if it:
(i) resulted directly or indirectly from self-inflicted injuries, while sane or insane; (ii) was caused directly or indirectly by Acquired Immunodeficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV); or (iii) was caused directly or indirectly by alcohol or drug abuse.

Q7: What would happen to the remaining 60% of the benefit amount if I had been diagnosed with early cancer but recover from it during the period where I received my 6 months payout?
A7: Great Eastern will only pay out the remaining 60% of the benefit amount upon the diagnosis of major cancers.

Q8: How do I make a claim?
A8: To make a claim, please visit Great Eastern's customer service lobby.
1 Pickering Street
Great Eastern Centre #01-01
Singapore 048659

Customer Service Operating Hours: Mondays to Fridays, 9.00am to 5.30pm.
Closed on Saturdays, Sundays and Public Holidays, or call 1800 248 2888

Q9: Will the premiums increase as I grow older?
A9: The premium rates chargeable are level throughout the premium payment term. However, the premium rates, which includes the prevailing GST rate, may be adjusted based on future claim experience and are not guaranteed for this policy. Adjusted rates, if any, will be advised prior to policy renewals.