ManuVital Care
What is ManuVital Care?
At affordable guaranteed premiums, ManuVital Care protects you and your family against financial uncertainty with substantial lump-sum benefits if critical illness (CI) ever strikes, with the flexibility for you to convert it to a more comprehensive CI plan later to suit your evolving needs.
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.
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Important Note
ManuVital Care is critical illness insurance product provided and underwritten by Manulife (International) Limited (Incorporated in Bermuda with limited liability) (‘Manulife’). The above provides only general information on this product for your reference only and does not contain full terms and conditions on this product. For full terms and conditions of this product, please see the policy provision. Please download the product leaflet now or ask your insurance advisor for a copy which will give you more details about this product including the ‘Important Information’ showing the product risks.
Remarks
- The 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.
- The guaranteed premium is based on the initial basic plan notional amount. For the step-up premium version, premium is relatively lower and remains unchanged in the first 15 policy years, after which it will be increased to a guaranteed, pre-determined amount and will not be changed afterwards.
- This option is only available if this policy is issued before age 60 and without any case-based exclusion or extra premium, unless otherwise specified. The designated critical illness plan available and the terms and conditions of the designated critical illness plan, including but not limited to the maximum benefit amount and the elimination period, will be determined by Manulife at its sole and absolute discretion at the time when the conversion is requested. The premium of the designated critical illness 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 under this plan. Upon the approval by Manulife of the conversion request, the new critical illness plan shall be issued and this plan shall be terminated on the date of such approval. All supplementary benefits under this policy (if any) shall be automatically terminated together with this plan. For details including the relevant conditions and procedures, please refer to the section ‘Conversion Option’ of the policy provisions.
Critical illnesses and diseases diagnosed in mainland China:
For Major Critical Illness, Early Stage Critical Illness and Juvenile Disease diagnosed in hospitals in mainland China (excluding Taiwan, Hong Kong Special Administrative Region and Macau Special Administrative Region), the diagnosis must be made in a hospital designated by us. We may revise the list of designated hospitals in mainland China from time to time without giving prior notice.
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