Important Notice

Manulife (International) Limited would like to alert customers to stay vigilant about suspicious phone calls, emails, websites, apps, etc. allegedly related to Manulife. If you receive any calls claiming to be from Manulife MPF, first and foremost is to authenticate the caller’s identity (e.g. full name of advisor and his/her MPF Registration No.). If the caller refuses to disclose such information, please do not continue with the conversation. If you are in doubt, please contact us at (852) 2108 1188 or by email at service_hk@manulife.com for assistance.

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Important Notice

Manulife (International) Limited would like to alert customers to stay vigilant about suspicious phone calls, emails, websites, apps, etc. allegedly related to Manulife. If you receive any calls claiming to be from Manulife MPF, first and foremost is to authenticate the caller’s identity (e.g. full name of advisor and his/her MPF Registration No.). If the caller refuses to disclose such information, please do not continue with the conversation. If you are in doubt, please contact us at (852) 2108 1188 or by email at service_hk@manulife.com for assistance.

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CareGuard Critical Illness Benefit 

Manulife ManuBright Care 2

What is CareGuard Critical Illness Benefit?

Available in 2 versions, CareGuard Critical Illness Benefit (Core) and CareGuard Critical Illness Benefit (Enhanced), give you the flexibility to choose essential or well-rounded critical illness protection. Both versions come with an innovative complex surgery benefit, complementing critical illness protection.

The content of this website does not contain the full terms of the policy, and the full terms can be found in the policy document.

How we got you covered?

Covers up to 112 critical illnesses and diseases

Both versions cover 60 major critical illnesses, including cancer, heart attack (myocardial infarction) and stroke. With CareGuard Critical Illness Benefit (Enhanced), the coverage is broadened by 44 early stage critical illnesses and 8 juvenile diseases1

Extra safety net against 59 complex surgeries

Covers many of the common complex surgeries with innovative complex surgery benefit.

Guaranteed renewable

Two options for the renewable term: 5 years and 10 years. Renewal is guaranteed at the end of each renewable term up to the age of 80 even if the health condition of the life insured changes2.

Option to convert to a whole-life protection plan

Offers you a one-time option to convert your plan to a designated whole-life protection plan without having to give us any health information3

Join ManulifeMOVE for free, enjoy premium discount

Achieve specified average daily step target, and you will enjoy a premium discount of up to 10% upon policy renewal for the next membership year.




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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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    CareGuard Critical Illness Benefit is a critical illness insurance product 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. The juvenile disease CI benefit is available if this supplementary benefit is issued before the life insured reaches the age of 16 and the life insured is diagnosed with a juvenile disease before the age of 18.

    2. The premium for the supplementary benefit remains unchanged throughout each renewable term. Premium will be adjusted upon policy renewal at the end of each renewable term, depending on the age of the life insured and premium rate prevailing at the time of policy renewal.

    3. The designated whole-life protection plan available and the terms and conditions of the designated whole-life protection plan will be determined by Manulife at its sole and absolute discretion at the time when the conversion is requested. The premium of the designated whole-life protection plan shall be based on the Manulife’s applicable premium rates in effect, the life insured’s age on the date of conversion and the risk class to which the life insured belongs to. Upon the approval by Manulife of the conversion request, the new plan shall be issued and the supplementary benefit shall be terminated on the date of such approval. The new plan’s notional amount and death benefit amount shall not exceed the supplementary benefit’s protection amount at the time of conversion and the premium loadings and/or exclusions under the supplementary benefit will also be transferred to the whole-life protection plan. For details including the relevant conditions and procedures, please refer to the section ‘Conversion Option’ of the benefit provisions.

    Critical illnesses and diseases diagnosed or complex surgeries performed in mainland China:

    For major critical illness, early stage critical illness or juvenile diseases diagnosed or complex surgeries performed in mainland China, we will only recognize the diagnosis made or surgery performed by a specialist medical practitioner of a hospital on the list of designated hospitals in mainland China we publish. We may revise the list of designated hospitals in mainland China from time to time without giving prior notice.

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