In which case would the Tokio Marine TM Multicare be suitable?

Hi Anon, TM Multicare is a standalone tern policy meant to cover all stages of critical illnesses and provide multiple claims for different conditions and relapse of cancer.

If you want to cover for death only, you should get a term policy that covers mainly death. Tokio Marine Term Assure II would be the correct product choice.

It would only be suitable if you are looking for a comprehensive coverage for early, intermediate and advanced stages of critical illnesses. Also, if you are looking for a continual protection against CI even after a critical illness claim, this policy might be the best for you. only if you are looking for coverage to provide financial support upon the diagnosis of early stage critical illness then this plan would be suitable. This policy would most likely not benefit you if you are looking for a plan with limited premium commitment and a high death coverage. So since you are looking for higher death coverage, this would not be something you would look towards getting.