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ManuGuard Medical Plan/Benefit

Manulife ManuGuard Medical Plan Health Insurance

What is ManuGuard Medical Plan/Benefit?

No one knows what tomorrow brings. With ManuGuard Medical Plan/Benefit (‘Manuguard’), you and your loved ones will always be able to get the medical attention you need, when you need it. 

How we got you covered?

We’re here when you need us

Provides surgical benefits and a wide range of pre- and post-hospitalization medical services, including outpatient care and home nursing.

Health Bonus

Get rewarded for staying healthy - receive a health bonus¹ if you’ve made no claim for at least 2 consecutive policy years.

Extra benefits at critical moments

The plan gives the life insured extra medical protection against cancer, heart attack, stroke and kidney failure².

Relax - renewal is guaranteed

The medical coverage is guaranteed lifetime renewable as long as you need it³.

For when you need more

You can add supplementary benefits to your ManuGuard to supplement the core coverage.

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    ManuGuard Medical Plan/ ManuGuard Medical Benefit 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 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. Health bonus will be offered according to the length of no claim period:
      No Claim Period Health Bonus 
      Percentage of Premium (including extra premiums) for Policy Year after No Claim Period
      2 to 4 consecutive policy years  8%
      5 or more consecutive policy years 16%
      If any claim incurred in respect of the no claim period becomes payable after a health bonus has been given in respect of such no claim period, we shall deduct such health bonus from such claim payment and/or future claim payment(s). The aforesaid description and the health bonus table are for general information only. You should read the policy provision/benefit provision for exactly how the health bonus is calculated and given.
    2. If the life insured is diagnosed with cancer, heart attack, stroke or kidney failure, as defined in the policy provision/benefit provision (as the case may be), and receive treatment in hospital, we will provide an additional benefit by increasing designated benefit limits. This additional benefit will end on the policy anniversary nearest to the life insured’s 75th birthday. Please see the policy provision/benefit provision for the details of this additional benefit, the definitions of the major illnesses, and the conditions that apply.
    3. Your policy is renewable annually at each policy anniversary. You have a guaranteed right to renew this policy subject to the terms and conditions determined by us. The premiums are not guaranteed and we may adjust them from time to time. Please also see 'Premium adjustment’ and 'Renewal’ paragraphs under the “Important Information” section and the “Annual Premium Table for the ManuGuard Medical Plan/Benefit” in the product leaflet.
    4. The service is provided by a third party service provider which is an independent contractor and is not our agent. We shall make no representation, warranty or undertaking as to the availability of any medical opinions given by the medical service provider or any services given by the service providers. The services may change from time to time. Please see the latest Emergency Assistance Benefits Provisions/ PRC And Worldwide Emergency Assistance Benefits Provisions for the terms and conditions of the service. Relevant hospital list (if any) may change from time to time.
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