Singapore is one of the largest growers and exporters of orchids, with 20,000 orchids displayed in our Botanic Gardens.

Congratulations!

You are now part of a dynamic city with a wealth of

opportunities for work and play.

While residing in a new environment requires you

to adjust to a new lifestyle and acclimatise to new

cultures, there is one thing that should never change.

Your focus on Healthcare.

Just called Singapore Home?

Manulife (Singapore) Pte Ltd. Reg. No. 198002116DA Manulife Financial company.

491B R iver Valley R oad #07-00 Valley Point S ingapore 248373 T el: 6737 1221 Fax: 6737 8488 Website: www.manulife.com.sg

Our Healthcare System is ranked 6th* in the world by World

Health Organization. It consists of 23 private and public

hospitals, all equipped with advanced diagnostic

technology to offer general and specialised medical

treatments. And of course, do expect to pay more for

better service.

Fortunately, your healthcare costs can

be covered through various types of

medical insurance. Many insurance

companies here provide medical

insurance for expatriates living

in Singapore.

*The World Health Report 2000 - Health Systems: Improving Performace

World Class Medical Hub

Key employees are valuable to the company. Is your business well prepared for sudden loss of

key employees?

Business Insurance

What will happen to you and your family if you lose

your income earning ability?

Income Protection

Can you afford the best education for your child?

Education Planning

Will your family be assured of a roof over their heads should

anything happen to you?

Mortgage Protection

How do you safeguard against financial loss arising from

damages of your personal assets and belongings?

Protecting your Personal Possessions

HealthcareCan you afford the best medical

care available when you need it most?

Do you know you can maximise your returns without

taking excessive risk?

Investment

Can you afford your desired lifestyle in your golden years without outliving your funds?

Retirement Planning

How can you leave a legacy of clarity, efficiency, order, concern

and love for your family?

Estate Planning

Wealth AccumulationHow can you reap higher

potential returns on your assets towards financial independence?

Are your assets adequate for your family to maintain their desired lifestyle if you are not around?

Protect your loved ones

At Manulife, we provide

to meet all your financial needs

Financial SolutionsOne-Stop

Alex is an expatriate who is posted to Singapore for his

new regional role. His annual income is S$150,000. He

would like to have a lump sum of S$250,000 for treatment

of critical illness and have income protection which is 75%

of his annual income for 3 years.

Coverage needed:

Income protection S$112,500($150, 000 x 75% x 3) each year

Capital required for income protection S$327,859*(in today’s dollar)

Lump sum medical cost S$250,000

TOTAL critical illness coverage needed

S$577,859

*Assumption: 1% Inflation rate, 4% Investment rate of return and 2.97% Real rate of return

Let’s look at this scenario:

Is your Company’s Medical Plan Sufficient to take care of you and your loved ones?

If you have more than three ‘Yes’ to the above checklist, you will require a more comprehensive plan to cover your healthcare needs in Singapore. Make a wise start now towards comprehensive healthcare planning.

A check on your company’s medical plan:

a) Benefit Limits• Is there a maximum limit you can claim for each covered expense like

Room & Board, Intensive Care Unit, Outpatient benefits, etc?

• Are you required to fork out the additional expenses if it exceeds the respective limits?

b) Surgical Benefits• Is there any percentage cap for your total surgical benefits?

c) Co-insurance (non-reimbursed expenses)• Are you required to co-share the hospital bill?

d) Class of hospital ward and type of hospital• Is the class of hospital ward specified in your company’s medical plan?

• Is there any restriction to choose your preferred hospital and/or class of ward if you wish to get the most out of your company’s medical plan?

e) Portability / Transferability• Will your coverage cease when you leave your current employer for another in Singapore?

f) Family Protection • Does your company’s medical coverage exclude your loved ones?

• Medical expense insurance It complements your existing company medical plan with comprehensive protection and worldwide coverage which can be extended to your loved ones as well.

• Critical illness insuranceShould you succumb to a critical illness, medical bills may amount to thousands of dollars. Critical illness insurance protects you for 30 major illnesses such as heart attack and cancer. The lump sum payout helps to meet treatment costs and ease the loss of income during your recovery period.

• Disability income insuranceWhat happens if a sickness or an injury prevents you from pursuing your current career? You can cushion yourself against such situations with the disability income insurance. It pays a fixed sum for a specified number of years when the policyowner is unable to perform his/her current job as a result of illness or injury.

• Term planYou may already have life insurance but is the coverage enough for your family needs? You can boost your protection for a short term and select various supplementary benefits for additional coverage.

Comprehensive solutionsto take care of your needs

Is your Company’s Medical Plan Sufficient to take care of you and your loved ones?

If you have more than three ‘Yes’ to the above checklist, you will require a more comprehensive plan to cover your healthcare needs in Singapore. Make a wise start now towards comprehensive healthcare planning.

A check on your company’s medical plan:

a) Benefit Limits• Is there a maximum limit you can claim for each covered expense like

Room & Board, Intensive Care Unit, Outpatient benefits, etc?

• Are you required to fork out the additional expenses if it exceeds the respective limits?

b) Surgical Benefits• Is there any percentage cap for your total surgical benefits?

c) Co-insurance (non-reimbursed expenses)• Are you required to co-share the hospital bill?

d) Class of hospital ward and type of hospital• Is the class of hospital ward specified in your company’s medical plan?

• Is there any restriction to choose your preferred hospital and/or class of ward if you wish to get the most out of your company’s medical plan?

e) Portability / Transferability• Will your coverage cease when you leave your current employer for another in Singapore?

f) Family Protection • Does your company’s medical coverage exclude your loved ones?

• Medical expense insurance It complements your existing company medical plan with comprehensive protection and worldwide coverage which can be extended to your loved ones as well.

• Critical illness insuranceShould you succumb to a critical illness, medical bills may amount to thousands of dollars. Critical illness insurance protects you for 30 major illnesses such as heart attack and cancer. The lump sum payout helps to meet treatment costs and ease the loss of income during your recovery period.

• Disability income insuranceWhat happens if a sickness or an injury prevents you from pursuing your current career? You can cushion yourself against such situations with the disability income insurance. It pays a fixed sum for a specified number of years when the policyowner is unable to perform his/her current job as a result of illness or injury.

• Term planYou may already have life insurance but is the coverage enough for your family needs? You can boost your protection for a short term and select various supplementary benefits for additional coverage.

Comprehensive solutionsto take care of your needs

Although Singapore has one of the most cost-effective healthcare systems in the world, it is important to plan for your healthcare needs in any unforeseen events of critical emergency.Notes:1) Medical Specialties include Cardiology, General Medicine, Geriatric Medicine, Paediatrics Medicine, Neonatology, Neurology, Rehabilitation Medicine, etc.2) Surgical Specialties include Cardiothoracic Surgery, ENT, General Surgery, Neurosurgery, Gynaecology, Obstetrics, Orthopaedic Surgery, Paediatrics Surgery, Plastic Surgery, etc.3) Average Per Day = Total amount of inpatient bills/total number of days stayed in hospital (day surgery bills are not included).4) 95% of patients pay this amount or less, and 5% pay this amount or more.

Healthcare Cost in Singapore

Source: The Straits Times, 15 Dec 06

Procedure Gastric bypass Heart bypass Heart valve replacement Hip replacement Knee replacement Mastectomy Spinal fusion

Cost (US$) 15,000 20,000 13,000 12,000 13,000 12,400 9,000

Cost Of Surgical Procedures

Source: Ministry of Health

Average Hospital Inpatient Bill Size Table, Private Hospitals ( Jan 2005 - Dec 2005)

Room Type Medical Specialties 1 Surgical Specialties 2Class A (1-bedded)

Hospitals Average Per Day Average Total Bill Total Bill at Average Per Day Average Total Bill Total Bill at(S$)3 (S$) 95th Percentile4 (S$)3 (S$) 95th Percentile4

East Shore 941 2,921 6,613 1,771 4,268 9,532

Gleneagles 1,951 6,391 23,045 2,150 5,408 12,683

Mt Alvernia 951 2,777 5,734 1,606 4,316 9,754

Mt Elizabeth 2,101 8,509 32,086 2,487 7,332 18,588

Raffles 1,367 5,369 18,869 2,458 5,855 15,515

Thomson Medical 856 2,474 4,864 1,519 4,107 7,407

To take an important step towards a comprehensive healthcare plan and more, call your Manulife Financial Planner for more details.

Important Note: This document is published for information only and does not have any regard to your financial needs. Any opinion, view or estimate presented is subject to change without notice and is made on a general basis. It is not to be relied on by you other than for general information purposes. While all reasonable care has been taken in preparing this document, no responsilibity or liability is accepted for errors of fact or for any opinion expressed herein.

Manulife (Singapore) Pte Ltd. Reg. No. 198002116DA Manulife Financial company.

491B R iver Valley R oad #07-00 Valley Point S ingapore 248373 T el: 6737 1221 Fax: 6737 8488 Website: www.manulife.com.sg

Our Healthcare System is ranked 6th* in the world by World

Health Organization. It consists of 23 private and public

hospitals, all equipped with advanced diagnostic

technology to offer general and specialised medical

treatments. And of course, do expect to pay more for

better service.

Fortunately, your healthcare costs can

be covered through various types of

medical insurance. Many insurance

companies here provide medical

insurance for expatriates living

in Singapore.

*The World Health Report 2000 - Health Systems: Improving Performace

World Class Medical Hub

Singapore is one of the largest growers and exporters of orchids, with 20,000 orchids displayed in our Botanic Gardens.

Congratulations!

You are now part of a dynamic city with a wealth of

opportunities for work and play.

While residing in a new environment requires you

to adjust to a new lifestyle and acclimatise to new

cultures, there is one thing that should never change.

Your focus on Healthcare.

Just called Singapore Home?

Singapore Botanic Gardens

HEALTHCARE DIGEST