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ManuShine Healthcare Series/Benefit

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What is ManuShine Healthcare Series/Benefit?

As you progress towards different milestones and take on greater family responsibilities, quality medical protection becomes essential for ensuring the right treatment for you and your family whenever necessary. The ManuShine Healthcare Series comes with three options to suit different needs.

How we got you covered?

Extensive medical coverage and services

Covers expenses for hospital room and board, surgeon’s fees, doctor’s visits, medical appliance, cancer treatments, etc.

Various daily cash benefits

You will receive various cash benefits for financial support without affecting the annual deductible (if applicable).

Cashless arrangement for hospital stay

By the credit service arrangement¹ prior to the admission of hospital, we will pay the hospital and surgical expenses directly on your behalf.

Medical Green Passage Service²

Book outpatient and inpatient medical consultations at network hospitals in Mainland China easily and conveniently. 

No-claim deductible credit

After a 2-year no claim period³, you’ll receive a deductible credit⁴ of 15% of the annual premium for the following policy year.

Option to lower annual deductible once

You have the option to reduce the plan’s annual deductible once, regardless of your medical conditions, giving you more flexibility as you prepare for your retirement.

Stay healthy with wellness checkpoints⁵

Get a free health assessment at the end of every two consecutive policy years⁶.








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    ManuShine Healthcare Series/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 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. The credit service for hospitalization is an administrative arrangement and is not part of the product features. Please see the product leaflet for details.
    2. The medical green passage service is provided by third party service provider which is independent contractors and is not our agent. We reserve the right to change or terminate the medical green passage service anytime by prior notice. We make no representation, warranty or undertaking as to any service of the third party service providers. We shall not be liable to you or the life insured in any respect of any loss, damage, expense, suit, action or proceedings suffered or incurred by you or the life insured, whether directly or indirectly, arising from or in connection with the services provided or advice given by such third party service providers and/or its agents, or the availability of such services. The availability of the medical green passage service shall not be regarded as acceptance by the company of any liabilities to pay any benefits and/or reimburse any medical expenses under this plan.
    3. No Claim Period is for deductible credit calculation. Please refer to the policy provision for detailed terms and conditions for such calculation.
    4. Deductible credits are only applicable to the plans with annual deductible options. Please see the policy provision for details on how exactly the deductible credits are calculated and the terms and conditions that apply.
    5. Wellness checkpoint is only available in Hong Kong and Macau. We reserve the right to change or terminate the wellness checkpoint at any time without giving you notice. The wellness checkpoint is provided by a third party service provider which is an independent contractor and is not our agent. We make no representation, warranty or undertaking as to the availability of any services of the third party service provider including the medical check-up service. We shall not be liable to you or the life insured in any respect of any loss, damage, expense, suit, action or proceedings suffered or incurred by you or the life insured, whether directly or indirectly, arising from or in connection with the services (including the wellness checkpoint) provided or advice given by such third party service provider and/or its agents, or the availability of such services.
    6. 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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