What is Manulife Enhanced Critical Illness?
Your health is your greatest asset—and protecting it brings peace of mind. With Manulife’s Enhanced Critical Illness plan, you gain the confidence of knowing you're supported with comprehensive coverage designed to help you live life fully and fearlessly.
Manulife Enhanced Critical Illness is a rider and is attachable to Manulife Protector and Manulife Care Plus.
Secure peace of mind for you and your loved one, get insured today.
Manulife Enhanced Critical Illness Benefits
Exclusive Benefit
Note: Critical illness benefit payment will be deducted from Death & Total Permanent Disability benefit.
Financial support for treatment of these critical illnesses:
FAQ
If a customer has an existing Critical Illness (CI) policy and wishes to switch to a new Enhanced Critical Illness (ECI) policy, should they purchase a new policy or update their existing one?
The insured person who has an existing CI policy cannot update the existing one but can purchase ECI by attaching with new policy of base plan (MP/MCP).
Can the ECI rider be attached to the existing base plan?
No, the ECI rider cannot be attached to an existing base plan. A new base plan policy (MP/MCP) must be purchased in order to add the ECI rider.
What is the difference between early-stage and late -stage illness benefit?
Early-stage illnesses (e.g., Carcinoma In situ, Insertion of a Permanent Cardiac Pacemaker or Defibrillator) shall be eligible for a partial payout of around 25% of the Face Amount.
Late-stage illnesses — shall be eligible for 100% of Rider Plan Face Amount less any Early CI benefit claimed
For the ECI rider, do the early-stage CI and late-stage CI need to be the same condition?
No, the early-stage and late-stage critical illness (CI) conditions do not need to be same.
Does the ECI rider allow claims for overseas medical treatment for eligible Critical Illness (CI) diseases?
Yes, the ECI rider allows claims for overseas medical treatment, provided that the submitted claim documents meet the criteria specified in the ECI policy contract.
If a customer has an MCP policy with an ECI rider and claims 100% of the Face Amount (FA) for ECI first, can they subsequently claim for a Chronic Disease? Additionally, is the hospitalization expense for any CI disease eligible under the MCP hospitalization benefit?
Yes, the insured person may still claim the Chronic Disease benefit, provided that the Critical Illness (CI) previously claimed also meets the criteria for a Chronic Disease as defined in the policy. Furthermore, hospitalization expenses related to any CI disease of ECI are eligible under the MCP hospitalization benefit, subject to the terms and conditions of the policy.
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