Your friend indeed when you’re in need

mPal

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 andtrademarks of The Manufacturers Life Insurance Company and are used by itand its affiliates, including Manulife Financial Corporation.

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02mPal Plan

Benefits at a Glance:

Worldwide, 24-hour coverage, 365 days a year

Covers accidental death and dismemberment as well as 14 common diseases

Double indemnity for any injuries sustained while travelling by private or public transport

Double indemnity for injury or diagnosed covered disease sustained overseas and treatment is sought while abroad

Reimbursement of medical treatments from registered Chinese physicians and chiropractors

Weekly benefit when hospitalized due to accident or accidental disability

Covers injuries sustained from acts of terrorism and leisure sports such as scuba diving

Covers full time Singapore National Service and Reservist duties

Optional Child Benefit Riders for your children

Double the coverage when you need it more

04mPal Plan

Protection Anytime, Anywhere A Personal Accident plan that is effective 24 hours a day, 365 days a year, mPal covers you against accidental death and dismemberment, even if you are halfway across the globe. Also covering 14 common diseases such as Dengue Fever, Food Poisoning, as well as Hand, Foot and Mouth Disease, this plan will cushion you from the burden of medical bills should anything untoward happen. This way, you can get the best possible medical care and treatment when you need it the most.

A Pal that stands by you In everything we do, whether at home, work or play, it is important to maintain focus on the goals ahead so that we do not lose sight of what we are trying to achieve. However, keeping our sights ahead can be difficult unless you have someone watching your back.

This is where mPal comes in. Like a friend who is always by your side, mPal lets you keep your focus ahead so that you can achieve the successes you planned without worrying about losing sight of your goals when accidents happen.

It is common knowledge that the risk of accidents increases during transportation. As such, mPal pays 200% of the basic accidental death and dismemberment benefit for any injuries sustained while travelling. Whether you are in a private or public transport1, mPal gives you double the coverage just because you need it more.

14 Common Diseases Covered by mPal 1. Avian Influenza or ‘Bird Flu’ due to Influenza A viral strains H5N1, H9N2 or H7N7

8. Measles

2. Chikungunya Fever 9. Melioidosis3. Dengue Fever / Dengue Haemorrhagic Fever

10. Nipah Viral Encephalitis

4. Food Poisoning 11. Pulmonary Tuberculosis5. Hand, Foot and Mouth Disease (HFMD)

12. Rabies

6. Japanese Viral Encephalitis 13. Severe Acute Respiratory Syndrome (SARS)

7. Malaria 14. Variant Creutzfeldt-Jakob Disease (vCJD) or ‘Mad Cow Disease’

Better protection without additional cost Because mPal understands added assurance is needed when you are away from home, the limit on medial reimbursements doubles if the injury or diagnosed covered disease is sustained overseas and treatment is sought while abroad.

In addition, mPal allows for reimbursements of medical treatments from registered Chinese physicians or chiropractors so that you can seek whatever treatment you deem most appropriate.

On top of that, mPal covers you with a weekly benefit of up to $4002, should you get hospitalized as a result of an accident, or suffer accidental disability, as long as it is within 90 days from the date of the accident.

1 Private or public transport refers to riding solely as a passenger or as the driver in a private conveyance which is duly licensed by the local government for regular transportation; or riding solely as a passenger, not as an operator or crew member, in a public conveyance, which is duly licensed by the local government for regular transportation. 2 Weekly benefit is payable up to a maximum of 26 weeks for accidental hospitalization and up to a maximum of 52 weeks for accidental disability. The amount of weekly benefit depends on the plan selected.

Weekly indemnity2X Overseas medical reimburstments

Medical reimburstments from registered chinese physicians &

chiropractors

06mPal Plan

mPal for you and me Almost anyone can enjoy the comprehensive protection of mPal.

•Anyonebetweentheagesof18-70canapply^

•AsaSingaporeanparent,youcanpurchasetheChildBenefitriderforyourchild whoisbetween1monthto17yearsold^.Fornon-Singaporeans,theminimum and maximum entry ages for this Child Benefit rider are 12 and 17 respectively

•Renewableuptotheageof75^(forAdultPlan)andtotheageof25^(forChild Benefitrider)

^Agesaboverefertoageatlastbirthday.

3 Coverage is only applicable for Adult plans. 4 As long as your policy remains in force, you are entitled to the emergency assistance services on referral or arrangement basis. Any expense incurred other than on a referral or arrangement basis will be borne by the policyholder. Services provided are subjected to the Terms and Conditions of International SOS Pte Ltd.5 The amount of Education Assurance Fund benefit depends on the plan selected.

Keeping you in sight, wherever life takes you

As an added value, mPal further extends coverage to include injuries sustained from acts of terrorism and exposure to hazardous sports such as scuba diving and rock climbing, as part of your leisure activities. Coverage is also extended if you are on full

time Singapore National Service and Reservist duties, serving in Singapore or overseas3.

mPal further lets you enjoy worry-free holidays with a comprehensive 24-hour emergency assistance services4 provided by International SOS Pte Ltd.

The emergency assistance services include: • Telephonemedicaladvice • Medicalserviceproviderreferral • Arrangementofhospitaladmission • Inoculation&visarequirementinformation • Embassy,legal&interpreterreferral • Emergencymessagetransmission,etc.

With mPal, there is no need to adjust your adventurous lifestyle. Wherever your

exploratory spirit takes you, mPal will be there.

Taking care of your childmPal also comes with an optional Child Benefit rider that has an Education Assurance Fund benefit. It pays up to to $30,0005 to the child should the life insured of the base plan die from an accident. This fund can go towards the child’s future education and daily expenses.

This optional rider also features a double indemnity component that pays 200% of the rider accidental death and dismemberment benefit should the insured child suffer any dismemberment as a result of an accident that occurred during the participation of a school activity or while travelling by private or public transport.

Basic Benefits Bronze(For Adult)

Silver(For Adult)

Gold(For Adult)

Platinum(For Adult)

Titanium(For Adult)

Standard(For Child)

Premier (For Child)

Class 1-4 Class 1-3 NA

AccidentalDeath&Dismemberment 25, 000 50, 000 100, 000 300, 000 500, 000 20, 000 30, 000

Education Assurance Fund NA NA NA NA NA 20, 000 30, 000

Double Indemnity on Private/Public Conveyance 50, 000 100, 000 200, 000 600, 000 1000, 000 40, 000Including

School Activities

60, 000Including

School Activities

MedicalReimbursementlimitperincident(ForAccident,Diseases)

Sub-Limit Benefit Medical Reimbursement limit per incident (ForAccidentalDental,Ambulance,MobilityAid)(ForChinesePhysician&Chiropractor)

1, 500

500

300

3, 000

2,000

800

6, 000

2,000

800

8, 000

2,000

800

9, 000

2,000

800

1, 200

500

300

1, 800

500

300Double Medical Reimbursement limit per incident for Overseas (ForAccident,Diseases)

Sub-Limit BenefitMedical Reimbursement limit for Overseas per incident (ForAccidentalDental,Ambulance,MobilityAid)(ForChinesePhysician&Chiropractor)

3, 000

500

300

6, 000

2,000

800

12, 000

2,000

800

16, 000

2,000

800

18, 000

2,000

800

2, 400

500

300

3, 600

500

300Weekly Indemnity 50 150 200 300 400 70 100

Emergency Assistance Services Available Available Available Available Available Available Available

Truly a friend indeed, mPal lets you confidently take on the life you intended without having to worry about how your plans may be affected when accidents happen. mPal offers one of the most comprehensive coverage in its class. Speak to your Manulife Financial Planner today or call 6833 8188 to find out more about mPal.

Important Notes and DisclaimerThis 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.

Note: The premium6 that you pay depends on the occupation class you fall under. The following classification is for reference only. The exact occupation class will be determinedbyManulife(Singapore)7.

Class 1: Professions and occupations involving indoor work, mainly of a sedentary nature such as those engaged in professional, managerial, administrative, clerical and non-manual occupations in general.

Class 2: Professions and occupations involving outdoors or site work or substantial amount of travelling or occasional manual work when supervising employees.

Class 3: Professions and occupations engaged in manual work not of particularly hazardous nature but involving the use of tools and machinery.

Class 4: Professions and occupations engaged in manual work involving the use of tools and machinery of a hazardous nature, e.g. welders.

6 Premium rates are non-guaranteed. Manulife (Singapore) reserves the right to change premiums by giving 30 days written notice in advance to Policyowner. The policy will guaranteerenewalforthefirst5years.Subsequentlyrenewalsarenotguaranteed.Manulife (Singapore)reservestherighttocancelthePolicybygiving30daysnoticeinadvance.7 Your occupation class will be determined by Manulife (Singapore) at the time of application.Youarealsorequiredtoadviseusofyourchangeinoccupation,asitwillaffectyour occupation class.

08mPal Plan

About

Manulife FinancialManulife(Singapore)PteLtdisasubsidiaryofManulifeFinancialCorporation.

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