# Great 
  Eastern Cares Term Plan

**Insurer:** Great Eastern (The Great Eastern Life Assurance Company Limited)
**MAS licence:** —
**Insurer product page:** https://www.greateasternlife.com/content/dam/great-eastern/sg/homepage/personal-insurance/our-products/life-insurance/great-eastern-cares-term-plan/product-summary.pdf

## Source wording

- **Effective from:** (not stated in document)
- **Ingested:** 2026-06-05
- **PDF source:** https://www.greateasternlife.com/content/dam/great-eastern/sg/homepage/personal-insurance/our-products/life-insurance/great-eastern-cares-term-plan/product-summary.pdf
- **PDF sha256:** `38d66486c751f9a79669ef2f2119026beb564f263183fc87a5676d3f493b5cc6`
- **Extraction confidence:** verified

## Extracted facts

### free look

```json
{
  "period_days": 14,
  "source_page": 4,
  "refund_basis": "we will refund you the premiums you have paid, less any medical fees and other expenses, such as payments for medical check-ups and medical reports, incurred by us."
}
```

### exclusions

```json
[
  {
    "text": "We will not pay the benefit if the life assured dies due to suicide while sane or insane within 12 months from the date we issue the policy or from the date of reinstatement (if applicable) of the policy. The policy will be void. We will refund all the premiums you have paid without interest.",
    "source_page": 3
  },
  {
    "text": "We will not pay any benefits for: (a) terminal illness in the presence of Human Immunodeficiency Virus (\"HIV\") infection; or (b) pre-existing terminal illness.",
    "source_page": 3
  }
]
```

### cash values

```json
{
  "has_cash_value": false,
  "guaranteed_surrender_value": {
    "basis": "As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.",
    "available": false,
    "source_page": 4
  }
}
```

### policy loan

```json
{
  "available": false
}
```

### grace period

```json
{
  "days": 30,
  "source_page": 4
}
```

### product type

```json
"term-life"
```

### underwriting

```json
{
  "source_page": 4,
  "pre_existing_treatment": "We may reject your claim if the life assured has a pre-existing condition and: has not declared it in the proposal form as required for a new policy (if applicable); or has not declared it in the reinstatement form as required for a reinstatement (if applicable); or has not declared it in the application form as required for an increase in the sum assured (if applicable)."
}
```

### policy basics

```json
{
  "minimum_entry_age": {
    "basis": "age-next-birthday",
    "source_page": 2
  },
  "maximum_coverage_age": {
    "basis": "age-next-birthday",
    "years": 100,
    "source_page": 2
  }
}
```

### premium terms

```json
{
  "payment_modes": [
    "annual",
    "semi-annual",
    "quarterly",
    "monthly"
  ],
  "premium_review_clause": {
    "text": "Please note that premium rates for the policy are guaranteed.",
    "reviewable": false,
    "source_page": 3
  }
}
```

### reinstatement

```json
{
  "conditions": "reinstatement of the policy is allowed within 3 years from the lapse date and the usual reinstatement conditions apply.",
  "source_page": 4,
  "window_years": 3
}
```

### non forfeiture

```json
{
  "paid_up": {
    "text": "As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.",
    "available": false
  },
  "source_page": 4,
  "extended_term": {
    "text": "As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.",
    "available": false
  },
  "automatic_premium_loan": {
    "text": "As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.",
    "available": false
  }
}
```

### suicide clause

```json
{
  "source_page": 3,
  "payout_within_period": "The policy will be void. We will refund all the premiums you have paid without interest.",
  "exclusion_period_months": 12
}
```

### document metadata

```json
{
  "wording_version": "PS Version 1.0 (Errors and Omissions Excepted)",
  "product_full_name": "Great Eastern Cares Term Plan",
  "insurer_legal_entity": "The Great Eastern Life Assurance Company Limited"
}
```

### terminal illness benefit

```json
{
  "available": true,
  "source_page": 3,
  "acceleration_percent": 100,
  "qualifying_definition": "an illness that is expected to result in the life assured's death within 12 months. We require this diagnosis to be supported by a specialist and when we require, to be confirmed by our appointed medical practitioner."
}
```

---

*This summary reflects the policy wording as ingested on 2026-06-05. For current terms, always verify against the source PDF or contact the insurer.*