Healthcare Team

Notes

1. The choice of medical service provider will be from Manulife’s list of Healthcare Network Provider.
2. If the medical expenses exceed the claimable amount pre-approved by Manulife or incurred for items not covered, you will have to pay for the shortfall.
3. Follow-up on claims-related matters is only applicable to insured covered by Eligible Plans with policy(ies) without any relevant exclusion(s) and effective for 2 years from the date of issue or date of reinstatement whichever is later.
4. Pre-approval Services include, but are not limited to, the Outpatient Cancer Treatment Cashless Service, Day Surgery Cashless Service, Inpatient Cashless Service and Chinese Mainland Cashless Service. These services do not form any part of Manulife’s medical insurance policies. They are special administrative arrangements and not product features. Manulife reserves the right to terminate these services at any time without prior notice.
5. Pre-approval services are only applicable to insured covered by indemnity hospital insurance product plans without any relevant exclusion(s) and effective for 2 years from the date of issue or date of reinstatement whichever is later.
6. Claims-related support is only applicable to insured whose policies do not contain any relevant exclusion(s).
7. The insured person must be confirmed with or suspected of having major illness diagnosis (as defined in policy provisions of the relevant Eligible Plan if applicable) and the diagnosis(es) must be supported by a registered medical practitioner.

Remarks

• The service is supportive in nature, we do not offer medical advice. 
• For the avoidance of doubt, the use of this service does not imply any expenses or diagnoses associated with these services are covered in any of your insurance policy(ies).

Terms and conditions

The dedicated healthcare manager service (‘Service’) is provided by Manulife (International) Limited (‘we’/ ‘us’/ ‘Manulife’).

A. General Provision

1. Except as otherwise specified in these terms and conditions, all policy provisions applied to Eligible Plans as defined above shall have full force and effect. The Service shall only be constituted as a value-added service provided by Manulife and not form part of the contractual benefit. The Eligible Plans shall be subject to the respective policy provisions at all times. Manulife shall have the right to revise and/or update the terms and conditions of the Service from time to time and/or suspend or terminate the Service at any time without prior notice. In case of disputes, Manulife’s decisions shall be final and conclusive. In the event of any conflict between the terms and conditions for the Service and the respective policy provisions of the Eligible Plans, unless otherwise stated herein, the respective policy provisions of the Eligible Plans shall prevail.
2. The terms and conditions of the Service shall be governed by the applicable laws of the Hong Kong Special Administrative Region of the People’s Republic of China (“Hong Kong”). In case of any discrepancy between the English version and the Chinese version of these terms and conditions, the English version shall prevail.

B. Eligibility

1. The Service is only applicable to an insured person covered by an in-force policy of Eligible Plan.
2. To be eligible for this Service, the policy(ies) under the Eligible Plans must meet the following requirement:
   – The insured person must be confirmed with or suspected of having major illness diagnosis (as defined in policy provisions of the relevant Eligible Plan if applicable) and the respective diagnosis(es) must be supported by a registered medical practitioner.
3. Manulife shall have the final right to determine eligibility.

C. About the Service

1. The Service availability will be provided from Monday to Friday between 9:00 am-6:00 pm (except Hong Kong public holidays).
2. The Service shall not be applicable to emergency medical conditions.
3. The Service is only available to insured persons located in Hong Kong and Macau.
4. Dedicated healthcare manager(s) has/have medical background or is/are qualified nurse(s). The Service is supportive in nature, and not intended to provide or substitute professional medical advice, diagnosis, or treatment nor be regarded as admission of or assume any responsibility or liability on the part of Manulife. Insured person should always seek the advice of physicians or other qualified health provider in relation to any health problems, conditions, treatment, or any other matters.
5. Dedicated healthcare manager(s) provide(s) suggestion(s) of medical service provider(s) from Manulife’s network according to the insured person’s condition and this is supportive in nature. Manulife and the dedicated healthcare manager(s) are not responsible for the insured person’s choice of the recommended medical service providers. Medical service providers are independent contractors and are not employees, agent, or servants of Manulife. Manulife shall not be responsible and/or liable for any services, advice or treatment or other acts or omissions of medical service providers. Manulife shall not be liable for any acts or omission of any other service providers.
6. The insured person may discontinue the Service at any time by notifying the dedicated healthcare manager.

In this service details page, ‘you’ and ‘your’ refer to the policyowner. ‘Manulife’, ‘the Company’, ‘we’, ‘us’ and ‘our’ refer to Manulife (International) Limited.

To view our Privacy Policy, you can click here.

This service details page is for view in Hong Kong and Macau only, but not in the Chinese Mainland.

In case of any discrepancy between the English version and the Chinese version of these terms and conditions, the English version shall prevail. In case of dispute, the decision of Manulife shall be final and conclusive.