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Additional benefits in response to Novel Coronavirus infection

We introduced the following additional benefits to further broaden the scope of its protection for our customers.

  

Additional coverage for Novel Coronavirus

Coverage Period: From January 24, 2020  to August 31, 2020 (Extended)

  • If the Covered Client^ is unfortunately diagnosed with Novel Coronavirus infection and is admitted to the hospital anywhere in the world during May 1, 2020 to Auguest 31, 2020*, we will provide additional hospital cash benefit of HK$800 per day, up to 45 days, without requiring the waiting period.
  • If the Covered Client^ is unfortunately diagnosed with Novel Coronavirus infection during the coverage period stated above, we will provide a one-off cash benefit equivalent to HK$2,000 as a financial support.

^ ‘Covered Client’ means existing and new life insured of Individual financial product policies and covered members of group medical policies with hospitalization benefits.

*Hospital cash benefit of HK$600 per day is payable if the date of hospital admission falls within January 24, 2020 to April 30, 2020. Hospital cash benefit of HK$800 per day is payable if the date of hospital admission falls within May 1, 2020 to August 31, 2020.

  1. Additional coverage for Novel Coronavirus is provided by Manulife (International) Limited (Incorporated in Bermuda with limited liability). Coverage period is from January 24, 2020 to August 31, 2020 (during which the Covered Client is diagnosed with Novel Coronavirus and/or is admitted to the hospital (as the case may be)).
  2. The hospital cash benefit is increased to HK$800 per day and is extended to August 31, 2020. For the avoidance of doubt, hospital cash benefit of HK$600 per day is payable if the date of hospital admission falls within January 24, 2020 to April 30, 2020. Hospital cash benefit of HK$800 per day is payable if the date of hospital admission falls within May 1, 2020 to August 31, 2020.
  3. One-off HK$3,000 cash benefit for mandatory quarantine ended on April 30, 2020.
  4. ‘Individual financial product policy’ shall mean any individual policy issued by Manulife (such policy must remain in force during the coverage period); and ‘group medical policy with hospitalization benefits’ shall mean any group medical policy with hospitalization benefits issued by Manulife (such policy must remain in force during the coverage period)( each an ‘Eligible Policy’).
  5. Even if the Covered Client is the life insured of more than one individual insurance policy or/and the covered member of more than one group medical policy, each covered item under the additional coverage for Novel Coronavirus shall be payable once only for each Covered Client.
  6. ‘Novel Coronavirus’ shall mean confirmed case of COVID-19 disease defined by the World Health Organization and proven by relevant confirmatory report. Clinical diagnosis alone will not be sufficient.
  7. No benefit under additional coverage for Novel Coronavirus[ will be payable if
    a) Novel Coronavirus infection is being diagnosed before the policy issue date of the Eligible Policy; or
    b) any signs or symptoms of Novel Coronavirus infection were presented before the policy issue date of the Eligible Policy; or
    c) the Covered Client has not completed a mandatory quarantine and/or medical surveillance as imposed by the government or a registered medical practitioner before the policy issue date of the Eligible Policy; or
    d) the Covered Client has travelled outside Hong Kong or Macau (as the case may be) before the policy application date of the Eligible Policy and is diagnosed with Novel Coronavirus infection within the first 14 days after returning to Hong Kong or Macau (as the case may be).
  8. ‘Hospital’ shall mean an establishment duly constituted and registered as a hospital under the laws of the relevant territory in which it is established, which is for providing medical service for sick and injured persons as inpatients, and which (a) has facilities for diagnosis and major operations; (b) provides twenty-four hours nursing services by licensed or registered nurses; (c) has one or more registered medical practitioners; and (d) is not primarily a clinic, a place for alcoholics or drug addicts, a nature care clinic, a health hydro, a nursing, rest or convalescent home, a hospice or palliative care centre, a rehabilitation centre, an elderly home or similar establishment.
  9. If the Covered Client is diagnosed and hospitalized in mainland China, benefits will only be payable if the Covered Client is diagnosed and admitted to the hospital on the List of Designated Hospitals in mainland China published by Manulife or designated hospitals for Novel Coronavirus infection as appointed by the Government of the People's Republic of China.
  10. Manulife shall have the right to amend the terms and conditions of this additional coverage from time to time without prior notice. In case of disputes, we reserve the rights of final decision.

  

Complimentary additional life protection coverage

From March 1, 2020 to August 31, 2020 (Extended), apply for a new individual financial product policy to enjoy free life protection (protection period for 3 months). If unfortunately the life insured passes away due to Novel Coronavirus infection, we will provide extra death benefit of HK$220,000.

*Subject to terms and conditions

  1. This complimentary additional life protection coverage is only applicable to new insurance policy application of individual financial product that has been successfully submitted from March 1, 2020 to August 31, 2020 (both dates inclusive), and approved by Manulife on or before September 30, 2020 (‘Eligible Policy’).
  2. ‘Novel Coronavirus’ shall mean confirmed case of COVID-19 disease defined by the World Health Organization and proven by relevant confirmatory report. Clinical diagnosis alone will not be sufficient.
  3. An extra death benefit of HK$220,000 will be paid to the beneficiary(ies) if the life insured passes away due to Novel Coronavirus infection within 3 months from the policy issue date of the Eligible Policy.
  4. No benefit will be payable if
    a) Novel Coronavirus infection is being diagnosed before the policy issue date of the Eligible Policy; or
    b) any signs or symptoms of Novel Coronavirus infection were presented before the policy issue date of the Eligible Policy; or
    c) the life insured has not completed a mandatory quarantine and/or medical surveillance as imposed by the government or a registered medical practitioner before the policy issue date of the Eligible Policy; or
    d) the life insured has travelled outside Hong Kong or Macau (as the case may be) before the policy application date of the Eligible Policy and is diagnosed with Novel Coronavirus infection within the first 14 days after returning to Hong Kong or Macau (as the case may be). 
  5. Even if the life insured is covered under more than one individual financial product insurance policy, this benefit shall be payable once only for each life insured. 
  6. This benefit will cease a) on the termination date of the Eligible Policy; or b) 3 months after the policy issue date of the Eligible Policy (whichever is earlier).
  7. Manulife reserves the right to change, terminate or cancel the offering of this complimentary additional life protection coverage at any time without prior notice. Manulife’s decision shall be final and conclusive.

In respect of insurance products provided and underwritten by Manulife, you should not purchase any of these products solely on the basis of this promotional offer or this leaflet. Please ask your Manulife insurance advisor, broker or financial advisor for a copy of the relevant product leaflets which will give you more details about these products including the ‘Important Information’ showing the product risks.


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    Or you can call 2510 3941 (for customers of individual insurance) or 2108 1388 (for group medical customers) for any enquiries.


    Effective from July 21, 2020 (Tuesday), our Service Hotlines and Service Centres will operate from 10am to 5pm, Monday to Friday, until further notice. We apologize for any inconvenience caused.

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    Effective from July 21, 2020 (Tuesday), our Service Hotlines and Service Centres will operate from 10am to 5pm, Monday to Friday, until further notice. We apologize for any inconvenience caused.

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