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Customer reminder: Please keep your personal information safe; also stay vigilant to suspicious phone calls or voice messages purportedly from Manulife, as well as any fake e-mail, SMS, pop-up and any link to an unknown third-party website. If in doubt, please call our Customer Service Hotline at 2108 1188.
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Together we can tailor a comprehensive plan from our suite of Life, Accident, Hospitalization and Critical Illness protection products, helping protect you and your family from the financial burden of any mishaps.
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ManuBright Care
Life can be unpredictable. Despite working your hardest to provide a brighter future for you and your loved ones, life may be turbulent, especially when coping with a critical illness.
ManuBright Care provides all-round protection to the life insured up to the age of 100, covering 60 major critical illnesses and 44 early stage critical illnesses1. With its focus on protection for the common critical illnesses, it provides an added benefit of extended protection against cancer, heart attack and stroke. Providing a financial safety net so you can concentrate on what’s important to you at your different stages of life.
Key Features
Extensive protection – Covers 60 major critical illnesses1 including cancer, heart attack and stroke, 44 early stage critical illnesses1 such as carcinoma-in-situ, early thyroid cancer etc. and 8 juvenile diseases such as severe asthma2.
Continuous care benefit – After the first claim of any major critical illnesses, the plan gives the life insured extended protection against cancer, heart attack and stroke up to age 853, including additional 200% protection for cancer and additional 200% protection for heart attack or stroke, in which the cancer coverage includes newly diagnosed, recurrent, metastatic and persistent cancer.
Added protection – Offers additional 50% of the notional amount if the life insured suffers a major critical illness during the first 10 policy years for extra protection. We will also pay an additional 10% of the notional amount if the male life insured is diagnosed with prostate cancer or testicular cancer before the age of 754.
Guaranteed and level premium – Guarantees the premium paid is fixed and will not increase throughout the premium payment period5. There are 4 premium payment periods available: 10, 20 and 25 years or up to the ages of 65 of the life insured.
Premium waiver –Waives your premiums for the basic plan after the first claim of any major critical illnesses and the life insured can still be under protection.
In addition to the above, ManuBright Care offers other benefits such as death benefit, guaranteed cash value, non-guaranteed terminal bonus, free wellness check-ups and inflation protector option etc. Please see the product leaflet for more information.
Important Note:
ManuBright Care 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 specified numbers of major critical illnesses and early stage critical illnesses include those of treatments and/or surgeries for certain illnesses.
2. Juvenile disease CI benefit is available if the policy is issued before the life insured reaches the age of 16 and the life insured is diagnosed with a juvenile disease before the age of 18.
3. The continuous care benefits are subject to terms and conditions, please see the product leaflet and policy provisions for details.
4. Additional prostate/testicular cancer benefit is subject to terms and conditions, please see the product leaflet and policy provisions for details.
5. We guarantee that the basic plan premiums will not change as long as the notional amount agreed by you at policy inception remains unchanged. However, we do not guarantee the premium and guaranteed cash value due to any increase in the notional amount, including those triggered by using inflation protector option.
Premier Estate Protector
As a parent, you want to look out for your children all their lives. Our Premier Estate Protector gives you and your family a lifetime of security, and the flexibility to accumulate your wealth at an affordable premium.
Key Features
Comprehensive lifelong protection
Non-guaranteed annual dividends1 and guaranteed cash value help you meet your financial goals
Flexible choice of 7 premium payment periods
A selection of optional supplementary benefits to maximize protection
Important Note:
Premier Estate Protector 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.
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Related Information
Why You Should Start Saving Early
1. Annual dividends and the accumulation interest rates of dividends (in other words, interest rates for building up dividends left with us) are not guaranteed and we may change them from time to time.
ManuTerm
Every parent wants to give the best protection to their children under a stable environment. At an affordable premium, our ManuTerm, offers you life coverage to ease any financial burdens that may strike your family.
Key Features
Great protection at an affordable premium
Fixed premium for the first 10 or 20 years
Guaranteed protection up to age 75 of the life insured
Guaranteed conversion option to a whole life insurance policy1
Important Note:
ManuTerm 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.
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Related Information
[Article] 5 Essentials of Successful Retirement Planning
1. The death benefit amount of the new policy will not be more than the latest death benefit amount of this plan on the conversion date. The new policy available and its terms and conditions will be determined by us at the time when this option is exercised. For details on the terms and conditions of the option, please see the policy provision.
ManuMulti Care
Secure extra protection against critical illnesses with ManuMulti Care. This plan gives you and your family a comprehensive coverage if critical illness happens more than once and vital financial security when your family needs it most for extra peace of mind.
Key Features
Heart Attack or Stroke can be covered twice1
Covers 60 Major Critical Illnesses, including Cancer, Stroke, and Heart Attack (Myocardial infarction)
Covers 11 Minor Critical Illnesses, e.g. Carcinoma-in-situ, Early Thyroid Cancer, Juvenile Diseases like Severe Asthma
Make multiple claims before age 851 of the life insured, up to 300% of the notional amount for Cancer Group critical illnesses, and 200% of the notional amount for Non-Cancer Group critical illnesses
Important Note:
ManuMulti Care 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. This depends on the critical illness benefit limit, waiting period and other conditions.
• Critical illness benefit limit means the total critical illness benefit for the cancer group is 300% and the non-cancer group is 200% of the notional amount.
• Prostate or testicular cancer benefit will not be available when we have paid 300% of the notional amount from the cancer group as critical illness benefit. Critical illness benefit will not be available when we have paid 500% of the notional amount as critical illness benefit.
• There must be at least one year between the diagnosis date of the last major critical illness claim and that of any subsequent major critical illness. If we pay the critical illness benefit for cancer, we will only pay any subsequent cancer claim if the 5-year cancer waiting period has passed.
• There must be at least five years between the diagnosis date of the last major critical illness claim for terminal illness or total and permanent disability and that of any subsequent claim for critical illness benefits or prostate or testicular cancer benefit.
• After the total critical illness benefits paid reaches 100% of the notional amount, the life insured would need to survive for at least 14 days starting from the date of diagnosis of any subsequent claim before we will pay any critical illness benefits.
• Terminal illness and total and permanent disability will not be covered after the total critical illness benefits paid have reached 100% of the notional amount.
Please see the policy provision for detailed terms and conditions, including the definition of ‘5-year cancer waiting period’.
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ManuGuard Medical Plan
When you start your new family, you need a basic medical cover that provides reimbursement on your medical expense. Our ManuGuard Medical Plan offers four levels of hospital care including: Private, Semi-private, Ward and Essential, so you can give your family the protection they need at the level you choose.
Key Features
Basic hospital and surgical benefits
A wide range of medical services before and after the life insured’s hospital stay, including outpatient, home nursing, and ancillary services provided by physiotherapists and chiropractors
Cover outpatient dialysis and cancer treatment including chemotherapy, radiotherapy, proton therapy and target therapy
The medical cover will be renewed as long as you need it. It’s guaranteed renewal1
Optional benefits, such as: Major Medical Benefit, Major Medical Plus Benefit and Outpatient Benefit
Download Product Leaflet
Important Note:
ManuGuard Medical Plan 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. Your policy is renewable annually at each policy anniversary. You have a guaranteed right to renew this policy subject to the terms and conditions determined by us. The premiums are not guaranteed and we may adjust them from time to time. Please also see paragraph 3 - 'Premium adjustment’ and paragraph 10 - 'Renewal’ under the “Important Information” section and the “Annual Premium Table for the ManuGuard Medical Plan” in the product leaflet.
What's more, ManuGuard also provides:
24-hour International Medical Assistance (applicable to Hong Kong and Macau residents only)
24-hour Emergency Medical Assistance (applicable to non-Hong Kong and non-Macau residents only)
The List of Designated Hospitals in Mainland China (applicable to non-Hong Kong and non-Macau residents only) (Chinese version only)
The List of Designated Hospitals in Macau (applicable to policies issued in Macau only) (Chinese version only)
ManuMaster Healthcare Series
Nobody ever wants to get sick or injured, but as you enter a different life stage your need for medical care will gradually increase. Our ManuMaster Series comes with three options – Classic, Premier and Elite to meet your different needs, so you and your family can receive adequate and quality treatments wherever and whenever you or they need.
Key Features
Cover the life insured’s hospitalization and surgical treatment expenses
All-round protection before and after the life insured’s hospital stay
Enjoy rewards of deductible credits for staying healthy1
Wellness checkpoint to support the life insured’s road to health2
Lifetime guaranteed renewal3
Important Note:
ManuMaster Healthcare Series 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.
Related Information
1. 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.
2. 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.
3. We have the right to revise the benefits, terms and conditions and premium when you renew your plan. The premiums are not guaranteed and we may adjust them from time to time. Please see the ‘renewal’ paragraph under the ‘Important Information’ section in product leaflet.
What's more, ManuMaster also provides:
24-hour International Medical Assistance
The List of Designated Hospitals in Mainland China (Chinese version only)
Personal Accident Plan
While we cannot predict when an accident will happen, we can always be prepared against the sudden financial hardship caused by treatment costs or other expenses incurred because of an accident. Our Personal Accident Plan offers comprehensive accident insurance coverage from accidental injuries to more serious accidental disablements / dismemberments, and even accidental death.
Key Features
All-round financial protection against accidental death / loss of use or dismemberment / total disablement
Double indemnity for elevator or traffic accident1
Automatically increases the benefits on accidental death, loss of use or dismemberment and total disablement by 5% upon each policy renewal, up to 25%
Trauma counselling benefit2, international medical assistance3 and Mainland China hospital admission guarantee benefit3
Premium waiver benefit – in the unfortunate event that total disablement benefit is payable, the premium of Personal Accident Plan and Medical Indemnity Benefit (if applicable) will be waived
Optional Medical Indemnity Benefit - Provide reimbursement for medical expenses due to an accident4
Important Note:
Personal Accident Plan 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. We will double the benefits we pay for accidental death, loss of use or dismemberment, or total disablement if the accident happens under the following circumstances.
• If the life insured is a fare-paying passenger on any public transport at the time of the accident causing the injury.
• If the life insured is a pedestrian and injured in a traffic accident.
• If the life insured is in an elevator or on an escalator (but not in mines and construction sites) at the time of the accident causing the injury.
• If the life insured is in a public building when a fire starts and at the time of the accident causing the injury.
• If there are landslides or flooding caused by a natural disaster in Hong Kong or Macau.
2. We will pay the trauma counselling benefit if we are also paying benefit for loss of use or dismemberment or total disablement for the same accident.
3. The international medical assistance and Mainland China hospital admission guarantee benefit are 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 visit our company website (www.manulife.com.hk) for the latest Emergency Assistance Benefits Provisions and Mainland China Hospital Admission Guarantee Benefit Provisions for the terms and conditions of the services.
4. Claims of Medical Indemnity Benefit will only be paid for medical necessary services based on reasonable and customary charges, please refer to the policy provision for the definitions.
ManuFlex Achiever
Throughout different stages of your life, your financial and protection needs will change. Ambitious go-getters like you need a flexible plan that adjusts to the life goals that you set yourself. ManuFlex Achiever provides an adjustable level of protection with a savings allocation; it offers you the flexibility to adapt to your needs at every milestone while providing security to you and your loved ones along the way.
Key Features
Flexible payment options – you can enhance your savings by adding any extra money you have on top of your basic premium1
Lifetime protection - you can choose either the level or increasing death benefit to help balance your protection and financial needs2,3
Crediting Interest Rate - building up your financial reserve – you will receive interest on account value4 of your policy at a crediting interest rate5. The crediting interest rate is guaranteed to be no less than 2% per annum in the first 15 policy years
Bonuses - you will get a loyalty bonus at a guaranteed rate on the 15th policy anniversary (the actual amount of the bonus will depend on the actual premium you have paid, any withdrawals you have made and all basic premium due in the first 15 policy years). You will also get a non-guaranteed performance bonus on the 15th policy anniversary and every 5 years thereafter (the actual amount of the bonus will depend on the monthly account value of your policy during the relevant period and the non-guaranteed bonus rate declared by the Company)
Free withdrawal of account value - to meet any changes in your liquidity, you can withdraw up to a certain amount of your account value for free, starting from the 2nd policy year6
Guard your policy to age 85of the life insured - We guarantee your policy will not lapse up to age 85 of the life insured, as long as the premium that you have paid less all the withdrawals that you have made exceeds all the premium due
Additional Protection - you can add a range of other supplementary benefits to protect you financially against accidents, critical illnesses or hospitalization7
Important Note:
ManuFlex Achiever 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. Top-up premium payment requests must meet the current minimum top-up amount per transaction of US$2,500 and maximum of 15 times of Basic Premium per year in the first 10 policy year, and further subject to our approval in our discretion. We may reject and refund any portion of the top-up amount paid in. The minimum and maximum top-up amounts per transaction may be revised by us from time to time.
2. The policy will terminate at the end of a grace period while the event triggering such grace period persists. The policy may terminate depending on the actual crediting interest rate, premium payment, withdrawal amount, supplementary benefit(s) premium(s) (if any), and/or any subsequent changes affecting the premium due. For details, please refer to grace period and for the events trigging the ending of the policy as described in product disclosures point 3.2 and 14 in product leaflet.
3. Evidence of insurability is required when you wish to change the death benefit option from level to increasing. For the change of death benefit option from level to increasing, the cost of insurance will be increased.
4. Account value equals the remaining balance of premium after deducting supplementary benefit premiums due (if any) and premium charge, less any withdrawals and monthly deductions, plus any loyalty bonus, performance bonus and daily interest at the crediting interest rate.
5. The crediting interest rate is set by us and is subject to changes from time to time at our sole discretion.
6. Minimum withdrawal amount is USD $ 250. The maximum withdrawal amount is 90% of surrender value. The minimum requirement for withdrawal amount may be revised by us from time to time. For risk related to withdrawal, please refer to product disclosures point 10 in product leaflet.
7. You are expected to pay supplementary benefit premiums when due. If you fail to pay the supplementary benefit premiums, and if the supplementary benefit premiums in default are not paid through the automatic withdrawal for supplementary benefit premiums payment when the grace period expires, the policy will be terminated automatically. Please see the policy provision for more details.
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Life can be unpredictable. Despite working your hardest to provide a brighter future for you and your loved ones, life may be turbulent, especially when coping with a critical illness.
ManuBright Care provides all-round protection to the life insured up to the age of 100, covering 60 major critical illnesses and 44 early stage critical illnesses1. With its focus on protection for the common critical illnesses, it provides an added benefit of extended protection against cancer, heart attack and stroke. Providing a financial safety net so you can concentrate on what’s important to you at your different stages of life.
Key FeaturesExtensive protection – Covers 60 major critical illnesses1 including cancer, heart attack and stroke, 44 early stage critical illnesses1 such as carcinoma-in-situ, early thyroid cancer etc. and 8 juvenile diseases such as severe asthma2.
Continuous care benefit – After the first claim of any major critical illnesses, the plan gives the life insured extended protection against cancer, heart attack and stroke up to age 853, including additional 200% protection for cancer and additional 200% protection for heart attack or stroke, in which the cancer coverage includes newly diagnosed, recurrent, metastatic and persistent cancer.
Added protection – Offers additional 50% of the notional amount if the life insured suffers a major critical illness during the first 10 policy years for extra protection. We will also pay an additional 10% of the notional amount if the male life insured is diagnosed with prostate cancer or testicular cancer before the age of 754.
Guaranteed and level premium – Guarantees the premium paid is fixed and will not increase throughout the premium payment period5. There are 4 premium payment periods available: 10, 20 and 25 years or up to the ages of 65 of the life insured.
Premium waiver –Waives your premiums for the basic plan after the first claim of any major critical illnesses and the life insured can still be under protection.
In addition to the above, ManuBright Care offers other benefits such as death benefit, guaranteed cash value, non-guaranteed terminal bonus, free wellness check-ups and inflation protector option etc. Please see the product leaflet for more information.
Important Note:
ManuBright Care 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 specified numbers of major critical illnesses and early stage critical illnesses include those of treatments and/or surgeries for certain illnesses.
2. Juvenile disease CI benefit is available if the policy is issued before the life insured reaches the age of 16 and the life insured is diagnosed with a juvenile disease before the age of 18.
3. The continuous care benefits are subject to terms and conditions, please see the product leaflet and policy provisions for details.
4. Additional prostate/testicular cancer benefit is subject to terms and conditions, please see the product leaflet and policy provisions for details.
5. We guarantee that the basic plan premiums will not change as long as the notional amount agreed by you at policy inception remains unchanged. However, we do not guarantee the premium and guaranteed cash value due to any increase in the notional amount, including those triggered by using inflation protector option.
As a parent, you want to look out for your children all their lives. Our Premier Estate Protector gives you and your family a lifetime of security, and the flexibility to accumulate your wealth at an affordable premium.
Key FeaturesComprehensive lifelong protection
Non-guaranteed annual dividends1 and guaranteed cash value help you meet your financial goals
Flexible choice of 7 premium payment periods
A selection of optional supplementary benefits to maximize protection
Important Note:
Premier Estate Protector 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.
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What’s next? |
Related Information
Why You Should Start Saving Early
1. Annual dividends and the accumulation interest rates of dividends (in other words, interest rates for building up dividends left with us) are not guaranteed and we may change them from time to time.
Every parent wants to give the best protection to their children under a stable environment. At an affordable premium, our ManuTerm, offers you life coverage to ease any financial burdens that may strike your family.
Key FeaturesGreat protection at an affordable premium
Fixed premium for the first 10 or 20 years
Guaranteed protection up to age 75 of the life insured
Guaranteed conversion option to a whole life insurance policy1
Important Note:
ManuTerm 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.
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What’s next? |
Related Information
[Article] 5 Essentials of Successful Retirement Planning
1. The death benefit amount of the new policy will not be more than the latest death benefit amount of this plan on the conversion date. The new policy available and its terms and conditions will be determined by us at the time when this option is exercised. For details on the terms and conditions of the option, please see the policy provision.
Secure extra protection against critical illnesses with ManuMulti Care. This plan gives you and your family a comprehensive coverage if critical illness happens more than once and vital financial security when your family needs it most for extra peace of mind.
Key FeaturesHeart Attack or Stroke can be covered twice1
Covers 60 Major Critical Illnesses, including Cancer, Stroke, and Heart Attack (Myocardial infarction)
Covers 11 Minor Critical Illnesses, e.g. Carcinoma-in-situ, Early Thyroid Cancer, Juvenile Diseases like Severe Asthma
Make multiple claims before age 851 of the life insured, up to 300% of the notional amount for Cancer Group critical illnesses, and 200% of the notional amount for Non-Cancer Group critical illnesses
Important Note:
ManuMulti Care 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. This depends on the critical illness benefit limit, waiting period and other conditions.
• Critical illness benefit limit means the total critical illness benefit for the cancer group is 300% and the non-cancer group is 200% of the notional amount.
• Prostate or testicular cancer benefit will not be available when we have paid 300% of the notional amount from the cancer group as critical illness benefit. Critical illness benefit will not be available when we have paid 500% of the notional amount as critical illness benefit.
• There must be at least one year between the diagnosis date of the last major critical illness claim and that of any subsequent major critical illness. If we pay the critical illness benefit for cancer, we will only pay any subsequent cancer claim if the 5-year cancer waiting period has passed.
• There must be at least five years between the diagnosis date of the last major critical illness claim for terminal illness or total and permanent disability and that of any subsequent claim for critical illness benefits or prostate or testicular cancer benefit.
• After the total critical illness benefits paid reaches 100% of the notional amount, the life insured would need to survive for at least 14 days starting from the date of diagnosis of any subsequent claim before we will pay any critical illness benefits.
• Terminal illness and total and permanent disability will not be covered after the total critical illness benefits paid have reached 100% of the notional amount.
Please see the policy provision for detailed terms and conditions, including the definition of ‘5-year cancer waiting period’.
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When you start your new family, you need a basic medical cover that provides reimbursement on your medical expense. Our ManuGuard Medical Plan offers four levels of hospital care including: Private, Semi-private, Ward and Essential, so you can give your family the protection they need at the level you choose.
Key FeaturesBasic hospital and surgical benefits
A wide range of medical services before and after the life insured’s hospital stay, including outpatient, home nursing, and ancillary services provided by physiotherapists and chiropractors
Cover outpatient dialysis and cancer treatment including chemotherapy, radiotherapy, proton therapy and target therapy
The medical cover will be renewed as long as you need it. It’s guaranteed renewal1
Optional benefits, such as: Major Medical Benefit, Major Medical Plus Benefit and Outpatient Benefit
Download Product Leaflet
Important Note:
ManuGuard Medical Plan 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. Your policy is renewable annually at each policy anniversary. You have a guaranteed right to renew this policy subject to the terms and conditions determined by us. The premiums are not guaranteed and we may adjust them from time to time. Please also see paragraph 3 - 'Premium adjustment’ and paragraph 10 - 'Renewal’ under the “Important Information” section and the “Annual Premium Table for the ManuGuard Medical Plan” in the product leaflet.
What's more, ManuGuard also provides:
24-hour International Medical Assistance (applicable to Hong Kong and Macau residents only)
24-hour Emergency Medical Assistance (applicable to non-Hong Kong and non-Macau residents only)
The List of Designated Hospitals in Mainland China (applicable to non-Hong Kong and non-Macau residents only) (Chinese version only)
The List of Designated Hospitals in Macau (applicable to policies issued in Macau only) (Chinese version only)
Nobody ever wants to get sick or injured, but as you enter a different life stage your need for medical care will gradually increase. Our ManuMaster Series comes with three options – Classic, Premier and Elite to meet your different needs, so you and your family can receive adequate and quality treatments wherever and whenever you or they need.
Key FeaturesCover the life insured’s hospitalization and surgical treatment expenses
All-round protection before and after the life insured’s hospital stay
Enjoy rewards of deductible credits for staying healthy1
Wellness checkpoint to support the life insured’s road to health2
Lifetime guaranteed renewal3
Important Note:
ManuMaster Healthcare Series 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.
Related Information
1. 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.
2. 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.
3. We have the right to revise the benefits, terms and conditions and premium when you renew your plan. The premiums are not guaranteed and we may adjust them from time to time. Please see the ‘renewal’ paragraph under the ‘Important Information’ section in product leaflet.
What's more, ManuMaster also provides:
24-hour International Medical Assistance
The List of Designated Hospitals in Mainland China (Chinese version only)
While we cannot predict when an accident will happen, we can always be prepared against the sudden financial hardship caused by treatment costs or other expenses incurred because of an accident. Our Personal Accident Plan offers comprehensive accident insurance coverage from accidental injuries to more serious accidental disablements / dismemberments, and even accidental death.
Key FeaturesAll-round financial protection against accidental death / loss of use or dismemberment / total disablement
Double indemnity for elevator or traffic accident1
Automatically increases the benefits on accidental death, loss of use or dismemberment and total disablement by 5% upon each policy renewal, up to 25%
Trauma counselling benefit2, international medical assistance3 and Mainland China hospital admission guarantee benefit3
Premium waiver benefit – in the unfortunate event that total disablement benefit is payable, the premium of Personal Accident Plan and Medical Indemnity Benefit (if applicable) will be waived
Optional Medical Indemnity Benefit - Provide reimbursement for medical expenses due to an accident4
Important Note:
Personal Accident Plan 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. We will double the benefits we pay for accidental death, loss of use or dismemberment, or total disablement if the accident happens under the following circumstances.
• If the life insured is a fare-paying passenger on any public transport at the time of the accident causing the injury.
• If the life insured is a pedestrian and injured in a traffic accident.
• If the life insured is in an elevator or on an escalator (but not in mines and construction sites) at the time of the accident causing the injury.
• If the life insured is in a public building when a fire starts and at the time of the accident causing the injury.
• If there are landslides or flooding caused by a natural disaster in Hong Kong or Macau.
2. We will pay the trauma counselling benefit if we are also paying benefit for loss of use or dismemberment or total disablement for the same accident.
3. The international medical assistance and Mainland China hospital admission guarantee benefit are 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 visit our company website (www.manulife.com.hk) for the latest Emergency Assistance Benefits Provisions and Mainland China Hospital Admission Guarantee Benefit Provisions for the terms and conditions of the services.
4. Claims of Medical Indemnity Benefit will only be paid for medical necessary services based on reasonable and customary charges, please refer to the policy provision for the definitions.
Throughout different stages of your life, your financial and protection needs will change. Ambitious go-getters like you need a flexible plan that adjusts to the life goals that you set yourself. ManuFlex Achiever provides an adjustable level of protection with a savings allocation; it offers you the flexibility to adapt to your needs at every milestone while providing security to you and your loved ones along the way.
Key FeaturesFlexible payment options – you can enhance your savings by adding any extra money you have on top of your basic premium1
Lifetime protection - you can choose either the level or increasing death benefit to help balance your protection and financial needs2,3
Crediting Interest Rate - building up your financial reserve – you will receive interest on account value4 of your policy at a crediting interest rate5. The crediting interest rate is guaranteed to be no less than 2% per annum in the first 15 policy years
Bonuses - you will get a loyalty bonus at a guaranteed rate on the 15th policy anniversary (the actual amount of the bonus will depend on the actual premium you have paid, any withdrawals you have made and all basic premium due in the first 15 policy years). You will also get a non-guaranteed performance bonus on the 15th policy anniversary and every 5 years thereafter (the actual amount of the bonus will depend on the monthly account value of your policy during the relevant period and the non-guaranteed bonus rate declared by the Company)
Free withdrawal of account value - to meet any changes in your liquidity, you can withdraw up to a certain amount of your account value for free, starting from the 2nd policy year6
Guard your policy to age 85of the life insured - We guarantee your policy will not lapse up to age 85 of the life insured, as long as the premium that you have paid less all the withdrawals that you have made exceeds all the premium due
Additional Protection - you can add a range of other supplementary benefits to protect you financially against accidents, critical illnesses or hospitalization7
Important Note:
ManuFlex Achiever 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. Top-up premium payment requests must meet the current minimum top-up amount per transaction of US$2,500 and maximum of 15 times of Basic Premium per year in the first 10 policy year, and further subject to our approval in our discretion. We may reject and refund any portion of the top-up amount paid in. The minimum and maximum top-up amounts per transaction may be revised by us from time to time.
2. The policy will terminate at the end of a grace period while the event triggering such grace period persists. The policy may terminate depending on the actual crediting interest rate, premium payment, withdrawal amount, supplementary benefit(s) premium(s) (if any), and/or any subsequent changes affecting the premium due. For details, please refer to grace period and for the events trigging the ending of the policy as described in product disclosures point 3.2 and 14 in product leaflet.
3. Evidence of insurability is required when you wish to change the death benefit option from level to increasing. For the change of death benefit option from level to increasing, the cost of insurance will be increased.
4. Account value equals the remaining balance of premium after deducting supplementary benefit premiums due (if any) and premium charge, less any withdrawals and monthly deductions, plus any loyalty bonus, performance bonus and daily interest at the crediting interest rate.
5. The crediting interest rate is set by us and is subject to changes from time to time at our sole discretion.
6. Minimum withdrawal amount is USD $ 250. The maximum withdrawal amount is 90% of surrender value. The minimum requirement for withdrawal amount may be revised by us from time to time. For risk related to withdrawal, please refer to product disclosures point 10 in product leaflet.
7. You are expected to pay supplementary benefit premiums when due. If you fail to pay the supplementary benefit premiums, and if the supplementary benefit premiums in default are not paid through the automatic withdrawal for supplementary benefit premiums payment when the grace period expires, the policy will be terminated automatically. Please see the policy provision for more details.
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Manulife (International) Limited operates and provides services to customers in Macau and Hong Kong. You will now be re-directed to our Homepage.
To all our Macau customers, please note the relevant content and contact information applicable to you for any enquiries.
Manulife (International) Limited
Avenida De Almeida Ribeiro No. 61,
Circle Square, 14 andar A,
Macau.
Hotline: (853) 8398 0383
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© 2002-2018 Manulife (International) Limited (Incorporated in Bermuda with limited liability)
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