Tokio Marine TM Multicare Reviews and Comparison - Seedly
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Tokio Marine TM Multicare

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  • Posted on 10 Dec 2019
    I was looking for a cancer insurance and I happen to stumble upon Tokio Marine. I sent an email as I was interested in purchasing one. Few days later, one of their agents called me. The next day I asked for a quotation for personal accident insurance. No reply. I also sent an email to them stating my interest to purchase. After 5 working days and no reply, I am now thinking if this is their attitude to new prospect I really wonder what happens should I be needing to file a claim.
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Tokio Marine TM Multicare


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.
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Tokio Marine TM Multicare

Critical Illness (CI)


Hi anon, Multi pay CI plans were designed to provide coverage even after a CI/ECI occurs. Usually if someone has CI/ECI, it will likely mean that they cannot get more CI cover in future. The payout is meant to cover daily expenses and out of pocket items such as caregiver costs, etc. Hence, you will probably want to at least ensure that you have a basic CI/ECI cover for life which can be a limited payment life plan. Then, add on a multi-pay plan should you wish to continue to be covered even after CI strikes. Although some multipay plans can cover you till age 100, be aware that you will have to pay premiums throughout the duration of the plan as well, as they are term plans. The longer the coverage, the higher the premiums. You thus need to consider your affordability factor; and thus, whether or not you should get coverage till 75 or 85. I would say that if you have a basic CI/ECI lifetime cover through a life plan, you can consider a standalone multipay till 75, and claim from that first. Thereafter, the life plan will take over and pay out should you make a claim after 75. Another option is to embed a multipay rider into a life plan, this provides you with a lifetime of CI/ECI coverage, plus a multipay feature till a certain age (e.g. 85), after which you will still have the basic coverage to fall back on. The advantage of this is that you will not have to pay premiums through the duration of the plan, but still get both multipay coverage as well as a basic lifetime CI/ECI cover. As all standalone multipay plans have different payout structures, I would suggest speaking to an independent advisor who carries multiple products to understand how the plans work, as well as your options before you commit. I distribute Tokio marine and Aviva along with other insurers. If you'd like more information on these products, you can contact me via email at [email protected]
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About Tokio Marine TM

First established in 1879 in Japan, Tokio Marine has successfully diversified itself globally and has expanded to 45 countries today. Being Japan's largest insurance group today, it strives to provide the best for its customers, employees and societies.

About Tokio Marine TM Multicare

Tokio Marine TM Multicare is a regular, premium and non-participating multi-claim plan focusing on Critical Illness

There are three policy term periods:

  • Up to Age 70
  • Up to Age 75
  • Up to Age 85

Riders: Waiver of Premium Rider, Payer Benefit Rider, Enhanced Payer Benefit Rider, Spouse Rider or Enhanced Spouse Rider

1.       Early/ Intermediate Stage Critical Illness

Sum Assured: Received 100% of Sum Assured,

Up to S$350,000 per claim per group (Maximum of 2 claims)

Levels of Illness:

Group 1: Cancer and Illnesses related to major organs

Group 2: Heart-Related Illnesses

Group 3: Illnesses related to Nervous System and Other Systematic System

2.       Advanced Stage Critical Illness

Sum Assured: Receive 300% of sum assured less any Layer 1 claims for the same group (Maximum of 2 claims)

Note: Each claim must be from a different group. A 1-year waiting period applies for claims between different groups. 

Levels of Illness:

Group 1: Cancer and Illnesses related to major organs

Group 2: Heart-Related Illnesses

Group 3: Illnesses related to Nervous System and Other Systematic System

3.       Additional Cancer Benefit

Sum Assured: Receive 100% of sum assured per claim (Maximum of 2 claims)

Note: Minimum 2-year waiting period after Layer 2 claim. A 2-year waiting period applies for claims within Layer 3


  • Special Care Benefit: 20% of sum assured, capped at S$25,000 (Maximum of 5 claims). Special conditions may include:
    - Angioplasty and Other Invasive Treatment for Coronary Artery
    - Osteoporosis
    - Breast Reconstructive Surgery following a Mastectomy
    - Pheochromocytoma
    - Crohn’s Disease
    - Severe Rheumatoid Arthritis
    - Dengue Haemorrhagic Fever
    - Ulcerative Colitis
    - Diabetic Complications
    - Wilson’s Disease
  • Juvenile Benefit: 20% of sum assured, capped at S$25,000 (Maximum of 5 claims). Juvenile conditions may include:
    - Generalised Tetanus
    - Rabies
    - Insulin Dependent Diabetes Mellitus
    - Severe Juvenile Rheumatoid Arthritis
    - Kawasaki Disease
    - Type I Juvenile Spinal Amyotrophy
    - Osteogenesis Imperfecta
    - Glomerulonephritis with Nephrotic Syndrome
    - Severe Haemophilia
    - Rheumatic Fever with Valvular Impairment
  • Juvenile Waiver Benefit: Upon successful claim from a Layer 2 level, all future premiums will be waived.
  • Death Benefit: 10% of the sum assured would be paid, regardless of number of prior claims made