IncomeGuard Critical Illness Protector

IncomeGuard Critical Illness Protector 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. This plan will provide coverage for the diagnosis of critical illnesses and subsequent treatments/specified surgeries, including the diagnosis and continuous care / treatment benefit for cancer, heart attack and stroke. “Annually” means the waiting period for claiming critical illness coverage must be at least one year, with a maximum of 10 claims allowed. For details, please refer to the product brochure and policy provisions.
   
2. The aggregate amount of extra critical illness benefits of early stage critical illness benefit and juvenile disease critical illness benefit cannot exceed 80% of the basic plan notional amount.
   
3. Benefit payouts of up to 1,000% of the notional amount include (1) major critical illness benefit, (2) cancer diagnosis benefit, (3) cancer continuous treatment benefit, (4) heart attack /stroke continuous care benefit and (5) heart attack /stroke continuous treatment benefit.
4. We will reimburse the reasonable and customary charges actually incurred for traditional Chinese medicines, acupuncture and tui na treatment charged by the Chinese medical practitioner for the covered cancer (i.e. carcinoma-in-situ or cancer), up to HK$650/US$82 per visit, with a maximum of 60 visits and one visit per day.
5. Once we have paid a major critical illness benefit, we will waive all future premiums of the basic plan after the diagnosis date of the critical illness. Also, once we have paid an early stage critical illness benefit or a juvenile disease critical illness benefit, we will waive 12 months premium of the basic plan starting from the premium due date immediately after the diagnosis date of such illness. If the life insured is subsequently diagnosed with early stage critical illness or juvenile disease, and early stage critical illness benefit or juvenile disease critical illness benefit has been paid, any newly approved premium waiver that overlaps with the existing premium waiver will replace the previous premium waiver and the existing premium waiver will be terminated. The early stage critical illness and juvenile disease premium waiver will be terminated automatically if the major critical illness premium waiver is approved.
   
6. The amount of protection restore benefit is the amount of early stage critical illness benefit and / or juvenile disease critical illness benefit paid under the plan where the date(s) of diagnosis of the early stage critical illnesses and / or juvenile diseases fall(s) at least 1 year before the date of diagnosis of the subsequent major critical illness or the date of death.
7. We guarantee that the basic plan premiums for the initial basic plan notional amount remain unchanged throughout the premium payment period. However, we do not guarantee that the premium and guaranteed cash value due to an increase in the basic plan notional amount, including those increases triggered by using the inflation protector option.
8. CancerCompanion Service is a value-added service provided by Manulife and does not form part of the contractual benefits. Manulife reserves the right to change the designated medical service provider(s) for any of the services from time to time, or revise or terminate these services at any time without prior notice. Manulife shall not be liable for any acts or omissions of medical service providers. For the avoidance of doubt, the use of the service does not imply any expenses or diagnoses associated with the service are covered in the insurance policy(ies). Subject to terms and conditions, please refer to the relevant leaflet for more details.