Manulife "Heartfelt Sharing" Insurance Coupon Program Terms and Conditions

1. The campaign period of this program is valid from July 21, 2025 to March 31, 2026 (both dates inclusive, Hong Kong and Macau Time) ("Campaign Period").
2. Selected customer(s) will receive 2 transferable insurance coupons ("Coupon(s)") during the Campaign Period ("Eligible Customer(s)"), Eligible Customer(s) can enjoy premium deduction by applying the Eligible Basic Plan listed out in clause 15, or transfer the coupon(s) to his/her/ their family and friends ("Referee(s)") within the Campaign Period.
3. The transfer of Coupon(s) is a voluntary act solely initiated by Eligible Customer(s) and these terms and conditions shall apply. The policy application of Eligible Basic Plan listed out in clause 15 must be submitted during the Campaign Period after the successful receipt of Coupon(s) by Referee(s), in order to enjoy the premium deduction.
4. Each Coupon can only be transferred once. Upon successful transfer, the Coupon will become non-transferable and cannot be returned to the Eligible Customer(s).
5. Eligible Customer(s) and Referee(s) need to log in to the designated website to create an account to manage and/or transfer their Coupons.
6. The Coupon(s) must be used with the policy application via Manulife insurance e-application service platform 'ePOS’ (“ePOS”), only one Coupon can be used per policy application.
7. The Coupon(s) can only be used to directly offset part of the initial premium of the new policy.
8. To qualify for the premium deduction, Eligible Customer(s) or Referee(s) must use a valid Coupon and be the sole policyowner of Eligible Basic Plan.
9. Under any circumstances, if the new policy is cancelled or not issued, the used Coupon(s) cannot be reused for other policies and the relevant premium deduction amount will also not be refunded.
10. Under any circumstances, the Coupon(s) cannot be redeemed for cash or resold, and its remaining balance will not be refunded in cash.
11. The Coupon can be used in conjunction with other Manulife promotional offers, but cannot be used together with other insurance coupons (if any). If the applied plan is eligible for premium discounts under other offer(s), the first-year annualized premium requirement for using the Coupon will be calculated based on the first-year annualized premium before deducting the discounts from other promotional offer(s).
12. Manulife reserves the right to change, terminate or cancel the program at any time without prior notice. Manulife’s decision shall be final and conclusive.
13. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region if the policy is issued in Hong Kong, and any disputes shall be subject to the exclusive jurisdiction of the courts of Hong Kong. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Macau Special Administrative Region if the policy is issued in Macau, and any disputes shall be subject to the exclusive jurisdiction of the courts of Macau.
    
    Applicable to Insurance Coupon:
14. The premium deduction under this program is only applicable to a new policy application of any Eligible Basic Plan listed out in clause 15 that has been successfully submitted via ePOS by Manulife insurance advisors during the Campaign Period and approved by Manulife on or before June 30, 2026 (”Eligible Basic Plan(s)”).
15. Eligible Basic Plans which include (not eligible for single premium):
    i. IncomeGuard Critical Illness Protector
    ii. IncomeShield Critical Illness Protector
    iii. ManuBright Care 2
    iv. ManuBright Care 2 Plus
    v. Manulife Bright Care PRO
    vi. ManuPrimo Care
    vii. ManuPrimo Care (Best Start)
16. The premium deduction that an Eligible Basic Plans could enjoy by using Coupon will follow below table:

17. The premium deduction under this program is applicable to the standard premiums of Eligible Basic Plan(s), but excluding the additional premiums incurred from the Inflation Protector Option (applicable for IncomeGuard Critical Illness Protector, IncomeShield Critical Illness Protector, ManuBright Care 2, ManuBright Care 2 Plus, Manulife Bright Care PRO, and ManuPrimo Care). All extra premium (if any) and prepayment premium (if any) will not be taken into account in calculating the premium deduction amount. For the avoidance of doubt, all supplementary benefit’s premiums will not be taken into account when calculating the premium deduction amount.

18. For Eligible Basic Plan(s) issued in Hong Kong, the levy on the insurance premium to be collected by the Insurance Authority is calculated based on the premium before applying the amount of the premium deduction.

19. The premium deduction is non-transferable and non-redeemable for cash. In case of premium refund, any part of premium payments that is offset by the premium deduction can under no circumstances be counted as premium paid and will not be included in the refund amount. For the avoidance of doubt, the premium deduction will not affect the guaranteed cash value (as the case may be) and any benefits the policyowner is entitled to under the relevant Eligible Basic Plan(s).