IncomeShield Critical Illness Protector

IncomeShield 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. Manulife Individual Insurance Claims Report 2023.
   
2. 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 5 claims allowed. For details, please refer to the product brochure and policy provisions.
   
3. Life insured is only required to answer three health questions provided that you have not been diagnosed with specified diseases. Except the first health question, the remaining 2 health questions will focus on the health condition of the life insured within the past two years.
4. 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.
5. Benefit payouts of up to 500% of the notional amount include (1) major critical illness benefit, (2) late-stage cancer advanced benefit, (3) cancer diagnosis benefit, (4) cancer continuous treatment benefit, (5) heart attack /stroke continuous care benefit and (6) heart attack /stroke continuous treatment benefit.
6. If the late-stage cancer advanced benefit has been paid, the total payable amount of cancer continuous treatment benefit will be reduced by 100% of the notional amount.
7. The amount of protection restore benefit is the amount of early stage critical illness benefit paid under the plan where the date(s) of diagnosis of the early stage critical illnesses fall(s) at least 1 year before the date of diagnosis of the subsequent major critical illness or the date of death.
   
8. 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.
   
9. 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.