1. 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.
2. 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.
3. 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. Please see the section ‘Conversion Option’ of the policy provisions for details.

Critical illnesses and diseases diagnosed in Mainland China:

For major CI, early stage CI, juvenile disease diagnosed in Mainland China, we will only recognize the diagnosis made by a specialist medical practitioner of a hospital on the list of designated hospitals in Mainland China we publish. We may revise the list of designated hospitals in Mainland China from time to time without giving you prior notice.