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Early Stage Critical Illness

Manulife Early Stage Critical Illness Benefit Health Insurance

What is Early Stage Critical Illness Benefit?

Enjoy extra protection against major and early stage critical illness (CI) on top of your basic plan with only a low additional premium.

How we got you covered?

All-round CI protection

Protects you against 60 major CIs and 42 early stage CIs at affordable premiums.

Substantial protection for early stage major diseases

If an early stage CI is diagnosed, we will pay 100% of the protection amount as financial support.

Extended Protection

Guaranteed Insurability Optionextends protection to age 100 of the life insured, with no proof of good health required.



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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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    Early Stage Critical Illness 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. You must submit the application for exercising Guarantee of Insurability Option (GIO) before the life insured attains age 61 (age nearest birthday).

    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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