Second Medical Opinion

Notes

1. This service is available to eligible customers with confirmed cancer. The diagnosis must be confirmed by a registered medical practitioner.
2. The choice of designated medical service provider includes CUHK Medical Centre (CUHKMC), Gleneagles Hospital Hong Kong, HKSH Medical Group and designated United Family Hospitals in Chinese Mainland.
3. This 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.
4. Dedicated healthcare manager was previously known as Personalized Medical Case Manager. For details of dedicated healthcare manager service, please visit here.

Remarks

• 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 Second Medical Opinion 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. The eligible policy(ies) must be without any relevant exclusion(s).
3. To be eligible, the insured person must be confirmed with cancer (as defined in policy provisions of your relevant Eligible Plan if applicable) and the diagnosis(es) must be supported by a registered medical practitioner, and Manulife shall have the final right to determine eligibility.
4. To be eligible for the Service, the insured person must successfully register for the dedicated healthcare manager service.

C. About the Service

1. Dedicated healthcare manager service’s availability will be provided from Monday to Friday between 9:00 am-6:00 pm (except Hong Kong public holidays).
2. The Service provided by CUHK Medical Centre (CUHKMC), Gleneagles Hospital Hong Kong, HKSH Medical Group, and designated United Family Hospitals in the Chinese Mainland is a one-time free offer only.
3. The Service shall not be applicable to emergency medical conditions.
4. Dedicated healthcare service 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) choice of designated medical service provider(s) 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 from the list of medical service providers. Medical service providers (including but not limited to CUHK Medical Centre (CUHKMC), Gleneagles Hong Kong Hospital, HKSH Medical Group, and designated United Family Hospitals in the Chinese Mainland) are independent contractors and are not employees, agents, 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 (including but not limited to CUHK Medical Centre (CUHKMC), Gleneagles Hospital Hong Kong, HKSH Medical Group and designated United Family Hospitals in the Chinese Mainland). Manulife shall not be liable for any acts or omissions of any other service providers.
6. Each policy is entitled to one free of charge Service only, of which no treatment and medical procedures are involved.
7. 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.