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ManuLove Care

Manulife ManuLove Care Critical Illness Protection

What is ManuLove Care?

Having three generations in one family is a blessing that cannot be taken for granted. If a Critical Illness(CI) ever occurs in the family, the emotional and financial pressures it brings would be overwhelming. ManuLove Care not only protects the life insured but extends its coverage across three generations4

How we got you covered?

Well-rounded protection

Covers 104 CIs, 8 juvenile diseases1 and CIs arising from congenital conditions undetected at policy issue.

Protection restore benefit

Restores benefits2 paid for early stage critical illnesses and/or juvenile diseases at least a year ago in the event of a major CI diagnosis or death before age 75.

Continuous care benefits³ for critical illness

Cancer, heart attack / stroke and other independent major CIs diagnosed before age 85 are additionally covered twice for each of them.

Family benefits for extended care

Provides additional financial support when the covered parents or children are diagnosed with a designated CI, with no underwriting required4.

Premium waiver

Waives the basic plan premium if you or your spouse passes away or after the claim of any major CI.

Guaranteed and level premium

Premium is guaranteed and will not increase throughout the premium payment period5

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    ManuLove Care is an 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. Juvenile disease CI benefit is available if the policy 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 benefit amount of protection restore benefit is the sum of early stage CI benefit and/or juvenile disease CI benefit paid under the plan where the date(s) of diagnosis of the associated early stage critical illnesses and/or juvenile diseases fall(s) at least 1 year before the date of diagnosis of the major critical illness or the date of death. The protection restore benefit is subject to terms and conditions, please see the product leaflet and policy provision for details.
    3. The continuous care benefits are subject to terms and conditions, please see the product leaflet and policy provision for details.
    4. Family benefits are subject to terms and conditions, please see the product leaflet and policy provision for details.
    5. 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.