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.
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Hong Kong’s leading causes of death in 20151
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High 5-year survival rate2
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Different types of cancer
10-50%3
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ManuBright Care provides all-round protection to the life insured up to the age of 100.
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- Covers 60 major critical illnesses6 including cancer, heart attack and stroke;
- 44 early stage critical illnesses6 such as carcinoma-in-situ, early thyroid cancer etc.; and
- 8 juvenile diseases7 such as severe asthma.
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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 858, including
- additional 200% notional amount protection for cancer, in which the cancer coverage includes newly diagnosed, recurrent, metastatic and persistent cancer; and
- additional 200% notional amount protection for heart attack or stroke.
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- Offers an additional 50% of the notional amount if the life insured suffers a major critical illness during the first 10 policy years.
- Offers an additional 10% of the notional amount if the male life insured is diagnosed with prostate cancer or testicular cancer before the age of 759.
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- Premium is level and guaranteed. It will not increase throughout the premium payment period10.
- 4 premium payment periods available: 10, 20 and 25 years or up to the age of 65 of the life insured.
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Premium is waived 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
provides life protection and long term savings including death benefit, guaranteed cash value, and non-guaranteed terminal bonus.
ManuBright Care
also provides free wellness check-ups and inflation protector option for added peace of mind. Please see
details in the product leaflet.
Notes
- This information comes from Number of Death by Leading Causes of Death 2015, Department of Health, Hong Kong Special Administrative Region.
- This information comes from Cancer Facts & Figures 2017, Five-year Relative Survival Rates for Local at Diagnosis, US, 2006-2012, American Cancer Society.
- This information comes from Review of PET Services in Hong Kong Hospital Authority, Part 4 – Disease Review: Section D) Colorectal Cancer and Section F) Breast Cancer, 2012, Hong Kong Hospital Authority.
- This information comes from Heart Disease and Stroke Statistics - 2015 update, American Heart Association.
- This information comes from Preventing Another Stroke, National Stroke Association (in the United States).
- The specified numbers of major critical illnesses and early stage critical illnesses include those of treatments and/or surgeries for certain illnesses.
- 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. The total amount we pay for early stage critical illness and juvenile disease cannot be more than 80% of the basic plan’s notional amount. The early stage CI benefit and juvenile disease CI benefit will end automatically when major CI benefit has been paid. The major CI benefit is payable once only and will be reduced by the benefit we have paid for early stage critical illness and juvenile disease.
- The continuous care benefits are subject to, including but without limitation to the following:
- The date of diagnosis of the subsequent claim of any cancer, heart attack and stroke must be at least 1 year after the date of diagnosis of previously claimed major critical illness. In addition, if any preceding claim under the same plan is cancer, the date of diagnosis of any subsequent cancer claim must be at least 3 years after the date of diagnosis of the previously claimed cancer.
- In any event that the cancer is caused by any accident and illness that resulted to any previous payment of critical illness benefit or continuous care benefit under the plan, the date of diagnosis of the cancer must be at least 3 years after the date of diagnosis of the major critical illness that has been paid.
- The continuous care benefit will be paid if the life insured survives for at least 14 days after the date of diagnosis of cancer, heart attack or stroke.
- The coverage of prostate cancer and thyroid cancer under continuous care benefit will be terminated automatically when the life insured reaches the age of 70.
- The date of diagnosis includes the date of medical report confirming the continuation, metastasis or recurrence of cancer by a doctor.
Please see the policy provision for definitions, detailed terms and conditions.
- Additional prostate/testicular cancer benefit is payable once only, when
- major CI benefit has become payable for prostate cancer or testicular cancer; or
- continuous care benefit has become payable for prostate cancer or testicular cancer;
And when the male life insured has attained the age of 16 or above at the time of the diagnosis of the prostate cancer or testicular cancer. He has to survive for a period of not less than 14 days following such diagnosis.
- We guarantee that the basic plan premiums will not change as long as the basic plan’s 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 basic plan’s notional amount, including those triggered by using inflation protector option.
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 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.
Cancer
Diseases of the heart
Stroke
Covers 60 major critical illnesses and 44 early stage critical illnesses
Continuous care benefit
Additional critical illness benefits
Guaranteed and level premium
Premium waiver