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Important Notice

Manulife (International) Limited would like to alert the public to be vigilant about any suspicious phone calls, emails, websites, apps, etc. allegedly related to Manulife. If you have any doubt, please contact us at (852) 2108 1188 or by email at service_hk@manulife.com for assistance.

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Free ‘Special Coverage for Vaccination Side Effects’

Prevention is better than cure, and vaccines may help us stay safe from various infectious diseases, especially during this special time. As part of our continued efforts to give customers peace of mind, we are delighted to provide all our new and existing eligible customers in Hong Kong and Macau with FREE protection against vaccination side effects (“Special Coverage for Vaccination Side Effects”)*.

This protection is applicable to ALL vaccinations* approved by local authorities, including the latest COVID-19 vaccinations. No registration is required to enjoy the protection. 

Coverage Period: 

From January 26, 2021 or the policy effective date (whichever is later) to June 30, 2021 (in respect of the date of receiving vaccination)

Covered Client: 

(i) Life insured or policyowner of an individual insurance policy issued by Manulife; or 

(ii) Covered member (including his/her covered dependant(s)) of a group medical insurance policy with hospitalization benefits issued by Manulife, during the Coverage Period.

Special Coverage for Vaccination Side Effects**:

Pre-hospitalization Outpatient Cash Benefit: HK$300 (up to 1 time)

Payable if the Covered Client consults a Registered Medical Practitioner in Hong Kong or Macau on outpatient basis due to a Covered Vaccination Adverse Reaction, provided that such consultation happens within 14 days prior to a Confinement and the Hospital Cash Benefit below is payable.

Hospital Cash Benefit: HK$800 per day (limited to 1 stay, up to 14 days)

Payable if the Covered Client is Confined in a Hospital in Hong Kong or Macau  as a result and within 14 days of a Covered Vaccination Adverse Reaction.

Compassionate Death Benefit: HK$200,000

Payable if the Covered Client passes away in Hong Kong or Macau due to a Covered Vaccination Adverse Reaction or its complications within 30 days after diagnosis of a Covered Vaccination Adverse Reaction.

* For details about the vaccinations and associated side effects to be covered, please refer to Section C of the Terms and Conditions.

** Total benefit amount for all Covered Clients: HK$100,000,000



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    We will respond within two business days to forms submitted at or before 10:00am each business day. For example, if you submit this form at or before 10:00am on a Monday, we will respond by Tuesday. Forms submitted after 10:00am on a Monday will receive a response by Wednesday.

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    The Special Coverage for Vaccination Side Effects is provided by Manulife (International) Limited (Incorporated in Bermuda with limited liability) (‘ we ’/ ‘ us ’/ ‘ Manulife ’).

    A. Eligibility

    1. The Special Coverage for Vaccination Side Effects is only applicable to all individual insurance policies and group medical insurance policies with hospitalization benefits issued by us. 

    a) For a policy issued before January 26, 2021, the coverage period starts from January 26, 2021 to June 30, 2021 (both dates inclusive) (in respect of the date of receiving vaccination). 

    b) For a policy issued on or after January 26, 2021, the coverage period starts from the policy effective date to June 30, 2021 (both dates inclusive) (in respect of the date of receiving vaccination).

    The policy must remain in force during the Coverage Period. 

    In case of policy reinstatement, the Special Coverage for Vaccination Side Effects will be reinstated accordingly, and the coverage period will start from the effective date of reinstatement. 

    2. Even if the Covered Client is the life insured, policyowner or covered member of more than one individual insurance policy and/or group medical insurance policy, each covered benefit under this Special Coverage for Vaccination Side Effects shall be payable once only for each Covered Client.

    3. For the avoidance of doubt, in respect of policyowners, only natural persons are covered by the Special Coverage for Vaccination Side Effects, while company policyowners are not covered. The life insureds of company-owned policies, if all requirements of eligibility are met, are all covered by this Special Coverage for Vaccination Side Effects.

    4. In case of policyowner change during the Coverage Period, the Special Coverage for Vaccination Side Effects for the original policyowner will end while the Special Coverage for Vaccination Side Effects for the new policyowner will start on the effective date of policyowner change. The life insured's coverage will remain unaffected.

    B. Benefits

    5. We shall pay the Pre-hospitalization Outpatient Cash Benefit, which equals to HK$300, for up to 1 time if the Covered Client consults a Registered Medical Practitioner in Hong Kong or Macau on outpatient basis due to a Covered Vaccination Adverse Reaction, provided that such consultation happens within 14 days prior to a Confinement and the Hospital Cash Benefit below is payable. 

    6. We shall pay the Hospital Cash Benefit, which equals to HK$800 (per day), limited to 1 stay, for up to 14 days if the Covered Client is Confined in a Hospital in Hong Kong or Macau as a result and within 14 days of a Covered Vaccination Adverse Reaction.

    7. We shall pay the Compassionate Death Benefit, which equals to HK$200,000, if the Covered Client passes away in Hong Kong or Macau due to a Covered Vaccination Adverse Reaction or its complications within 30 days after diagnosis of a Covered Vaccination Adverse Reaction.

    C. More about vaccinations and side effects

    8. ‘Covered Vaccination Adverse Reaction’ shall mean a diagnosis of an Adverse Event Following Immunization (AEFI) within 14 days after receiving the Approved Vaccination.

    9. ‘Approved Vaccination’ shall mean the vaccination for the purpose of immunization (not correlated to vaccines administered after the onset of infection), including the first dose, subsequent doses and booster doses, and must be approved by the United States Food and Drug Administration or local health authorities and prescribed by a Registered Medical Practitioner and administered by the same or a licensed or registered nurse of Hong Kong or Macau during the Coverage Period in Hong Kong or Macau.

    10. ‘Adverse Event Following Immunization’ (AEFI), according to the World Health Organization, shall mean any untoward medical occurrence which follows immunization and which does not necessarily have a causal relationship with the usage of the vaccine. The adverse event may be any unfavourable or unintended sign, abnormal laboratory finding, symptom or disease. 

    AEFIs are grouped into 5 categories:

    a) Vaccine product-related reaction;

    b) Vaccine quality defect-related reaction;

    c) Immunization error-related reaction;

    d) Immunization anxiety-related reaction; and

    e) Coincidental event.

    The adverse reactions can further be classified as: 

    a) Allergic reactions;

    b) Local reactions; 

    c) Systematic reactions; and

    d) Neurological disorders.

     

    Source: World Health Organization website (accessed in Jan 2021): https://vaccine-safety-training.org/classification-of-aefis.html

    D. Other definitions

    11. ‘Confinement’ or ‘Confined’ shall mean an admission of the Covered Client to a Hospital that is recommended by a Registered Medical Practitioner for Medical Service and as an inpatient as a result of a Medically Necessary condition.

    Confinement shall be evidenced by a discharge summary or daily room charge invoiced by the Hospital and the Covered Client must stay in the Hospital continuously for the entire period of Confinement.

    12. ‘Illness’ shall mean a sickness or disease, including any and all complications arising therefrom. 

    13. ‘Hospital’ shall mean an establishment duly constituted and registered as a hospital under the laws of the relevant territory in which it is established, which is for providing Medical Service for the sick and injured as inpatients, and which (a) has facilities for diagnosis and major operations; (b) provides 24-hour nursing services by licensed or registered nurses; (c) has one or more Registered Medical Practitioners; and (d) is not primarily a clinic, a place for alcoholics or drug addicts, a nature care clinic, a health hydro, a nursing, rest or convalescent home, a hospice or palliative care centre, a rehabilitation centre, an elderly home or similar establishment.

    14. ‘Medical Service’ shall mean Medically Necessary services, including, as the context requires, Confinement, treatments, procedures, tests, examinations or other related services for the investigation or treatment of an Illness.

    15. ‘Medically Necessary’ shall mean the need to have medical service for the purpose of investigating or treating the relevant Illness in accordance with the generally accepted standards of medical practice and such medical service must – 

    a) require the expertise of, or be referred by, a Registered Medical Practitioner; 

    b) be consistent with the diagnosis and necessary for the investigation and treatment of the Illness; 

    c) be rendered in accordance with standards of good and prudent medical practice, and not be rendered primarily for the convenience or the comfort of the Covered Client, his family, caretaker or the attending Registered Medical Practitioner; 

    d) be rendered in the setting that is most appropriate in the circumstances and in accordance with the generally accepted standards of medical practice for the medical services; and 

    e) be furnished at the most appropriate level which, in the prudent professional judgment of the attending Registered Medical Practitioner, can be safely and effectively provided to the Covered Client. 

    16. ‘Registered Medical Practitioner’ shall mean a medical practitioner of western medicine, 

    a) who is duly qualified and is registered with the Medical Council of Hong Kong pursuant to the Medical Registration Ordinance (Cap. 161 of the Laws of Hong Kong) or a body of equivalent standing in jurisdictions outside Hong Kong (as reasonably determined by us in utmost good faith); and 

    b) legally authorized for rendering relevant Medical Service in Hong Kong or the relevant jurisdiction outside Hong Kong where the Medical Service is provided to the Covered Client

     

    but in no circumstance shall include the following persons - the Covered Client, the policyowner, or an insurance intermediary, employer, employee, immediate family member or business partner of the policyowner and/or the Covered Client (unless approved in advance by Manulife in writing). If the practitioner is not duly qualified and registered under the laws of Hong Kong or a body of equivalent standing in jurisdictions outside Hong Kong (as reasonably determined by Manulife in utmost good faith), we shall exercise reasonable judgment to determine whether such practitioner shall nonetheless be considered qualified and registered. 

    E. Exclusions

    17. We shall not pay any benefits if the Covered Vaccination Adverse Reaction results from:

    a) any self-inflicted injury or suicide, whether sane or insane; or

    b) terrorist attack using biochemical weapons of any kind.

    F. Termination

    18. This Special Coverage for Vaccination Side Effects will end upon the occurrence of the following (whichever happens first): 

    a) the expiry of the Coverage Period; 

    b) death of the Covered Client;

    c) the eligible policy terminates; 

    d) the coverage for the covered member under a group medical insurance policy with hospitalization benefits ends; or

    e) the total benefit amount claimed for all Covered Clients under this Special Coverage for Vaccination Side Effects has reached HK$100,000,000.

    G. Notice and proof of claims

    19. For Pre-hospitalization Outpatient Cash Benefit and Hospital Cash Benefit, claims shall be submitted to Manulife within 90 days after the date on which the Covered Client is discharged from the Hospital. For Compassionate Death Benefit, death proof of the Covered Client’s death acceptable to Manulife must be submitted within a reasonable period from the time of death and approved by Manulife before we will pay the Compassionate Death Benefit. For this purpose, a claim shall be deemed not valid or complete and benefits shall not be payable unless the – 

    a) completed claim form designated by Manulife;

    b) proof of Approved Vaccination with date of receiving vaccination (e.g. vaccination records, a copy of medical receipt for Approved Vaccination);

    c) proof of Confinement (if applicable) with date of admission and medical evidence supplied by a Registered Medical Practitioner to confirm this is due to a Covered Vaccination Adverse Reaction;

    d) proof of outpatient consultation (if applicable) with date of consultation (e.g. a copy of consultation receipt) and medical evidence supplied by a Registered Medical Practitioner to confirm this is due to a Covered Vaccination Adverse Reaction;

    e) proof of death (if applicable) with medical evidence supplied by a Registered Medical Practitioner to confirm such death is due to a Covered Vaccination Adverse Reaction; and

    f) all relevant information, certificates, reports, evidence, referral letters and other data or materials as reasonably required by Manulife, shall have been furnished to Manulife for processing of such claim.

     

    The Covered Client shall notify Manulife if claims cannot be submitted within the above timeframe, otherwise we shall have the right to reject claims submitted after the above timeframe. 

    H. To whom benefits are paid

    20. The Pre-hospitalization Outpatient Cash Benefit and Hospital Cash Benefit will be paid to: 

    a) the policyowner (if the Covered Client is the life insured of an individual insurance policy)

    b) the policyowner (if the Covered Client is the policyowner of an individual insurance policy)

    c) the covered member (if the Covered Client is the covered member / dependant of a group medical insurance policy with hospitalization benefits)

    21. Compassionate Death Benefit proceeds will be paid to:

    a) the beneficiary designated under the eligible policy (if the Covered Client is the life insured of an individual insurance policy)

    b) the policyowner’s estate (if the Covered Client is the policyowner of an individual insurance policy)

    c) the beneficiary designated under the eligible policy (if the Covered Client is the covered member / dependant of a group medical insurance policy with hospitalization benefits)

     

    Manulife shall have the absolute right to amend the terms and conditions of this Special Coverage for Vaccination Side Effects from time to time without prior notice. In case of disputes, Manulife’s decision shall be final and conclusive.