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Cancer Guard Protection Benefit

Manulife Cancer Guard Protection Benefit

What is Cancer Guard Protection Benefit?

Cancer Guard Protection Benefit is designed to provide the life insured with the financial support to fight this tough battle, offering cancer protection up to age 100 with a lump sum payment.

How we got you covered?

Substantial cancer benefit

Offers a lump sum cancer benefit equivalent to 100% of the protection amount1 when a cancer is diagnosed2.

Extensive early stage cancer benefit

Covers carcinoma-in-situ TWICE2,3 and early stage malignancy or early thyroid cancer ONCE2,4, with each providing 30% of the protection amount.

Guaranteed renewal

The plan will be automatically renewed upon payment of a non-guaranteed premium5.

Free wellness check-ups

The plan provides one free medical check-up every other year (five medical check-ups in total) while the plan is in force6.




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    We will respond within two business days to forms submitted at or before 10:00am each business day. For example, if you submit this form at or before 10:00am on a Monday, we will respond by Tuesday. Forms submitted after 10:00am on a Monday will receive a response by Wednesday.

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    Cancer Guard Protection Benefit is an insurance product (supplementary benefit) provided and underwritten by Manulife (International) Limited (incorporated in Bermuda with limited liability). The above provides only general information on this product for your reference only. Please download the product leaflet now or ask your Insurance/Financial Advisor for a copy which will give you more details about this product including the ‘Important Information’ showing the product risks.

    1. If the Life Insured is diagnosed with a Cancer, the Company will pay the Cancer Benefit equal to 100% of Protection Amount less any Early Stage Cancer Benefits paid by the Company.
    2. For cancer, carcinoma-in-situ, early stage malignancy or early thyroid cancer diagnosed in Mainland China, we will only recognize the diagnosis by a hospital on the list of designated hospitals in Mainland China we publish. We may revise the list of designated hospitals in China from time to time without giving you prior notice. Please see the latest list of designated hospitals in China revised and published from time to time on our company website (https://www.manulife.com.hk) or call our customer services hotline for details. If the Life Insured is diagnosed with a Cancer, the Company will pay the Cancer Benefit equal to 100% of Protection Amount less any Early Stage Cancer Benefits paid by the Company.
    3. If the Early Stage Cancer Benefits for Carcinoma-in-situ of an Organ Group has been paid, that particular Organ Group will be excluded from the second claim for the Early Stage Cancer Benefits for Carcinoma-in-situ. Please see the product leaflet for the covered organ groups.
    4. No benefit will be paid for early stage malignancy if this benefit has been paid for early thyroid cancer, or vice versa.
    5. The guaranteed renewal is applicable only if Cancer Guard Protection Benefit is attached to a basic plan which is inforce. The premiums for Cancer Guard Protection Benefit will vary depending on the age of the life insured and are not guaranteed. Please see ‘premium adjustment’ under the ‘Important Information’ section in the product leaflet.
    6. Wellness program is only available in Hong Kong and Macau. We reserve the right to change or terminate the wellness program at any time without giving you notice. The wellness program is provided by a third party service provider which is an independent contractor and is not our agent. We shall make no representation, warranty or undertaking as to the availability of any service of the third party service provider including the medical check-up service. We shall not be liable to the policyowner or the life insured in any respect of any loss, damage, expense, suit, action or proceedings suffered or incurred by the policyowner or the life insured, whether directly or indirectly, arising from or in connection with the services (including the wellness program) provided or advice given by such third party service provider and/or its agents, or the availability of such services. Wellness program is only available in Hong Kong and Macau. We reserve the right to change or terminate the wellness program at any time without giving you notice. The service is provided by a third party service provider and we shall not take any responsibility for the service. Please see the product leaflet for more information.

    The VHIS Office recently discovered a translation error in the Chinese version of the Schedule of Surgical Procedures of the Certified Plan Policy Template. In the fracture/dislocation section of the Surgical Schedule, “clavicle” on the 8th and 12th items was mistranslated as “scapula” and “scapula” on the 13th item was mistranslated as “clavicle”. Manulife has reviewed and revised the relevant product information of Manulife’s VHIS certified plans upon the VHIS Office’s request, and has revised the Chinese version of the certified plans’ policy provisions accordingly. The English version of the policy provisions is not affected. For any enquiries, please contact Manulife’s service hotline at 2108 1188.

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    The VHIS Office recently discovered a translation error in the Chinese version of the Schedule of Surgical Procedures of the Certified Plan Policy Template. In the fracture/dislocation section of the Surgical Schedule, “clavicle” on the 8th and 12th items was mistranslated as “scapula” and “scapula” on the 13th item was mistranslated as “clavicle”. Manulife has reviewed and revised the relevant product information of Manulife’s VHIS certified plans upon the VHIS Office’s request, and has revised the Chinese version of the certified plans’ policy provisions accordingly. The English version of the policy provisions is not affected. For any enquiries, please contact Manulife’s service hotline at 2108 1188.

    View more
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