Cancer Guard Protection Benefit
What is Cancer Guard Protection Benefit?
Cancer Guard Protection Benefit is designed to provide the life insured with the financial support to fight this tough battle, offering cancer protection up to age 100 with a lump sum payment.
The content of this website does not contain the full terms of the policy, and the full terms can be found in the policy document.
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Important Note
Cancer Guard Protection Benefit is an insurance product (supplementary benefit) 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.
Remarks
- If the life insured is diagnosed with a Cancer, the Company will pay the Cancer Benefit equal to 100% of Protection Amount less any Early Stage Cancer Benefits paid by the Company.
- For cancer, carcinoma-in-situ, early stage malignancy and early thyroid cancer diagnosed in hospitals in mainland China (excluding Taiwan, Hong Kong Special Administrative Region and Macau Special Administrative Region), the diagnosis must be made in a hospital designated by us. We may revise the list of designated hospitals in mainland China from time to time without giving prior notice. Please see the latest list of designated hospitals in mainland China revised and published from time to time on our website (www.manulife.com.hk). If the life insured is diagnosed with a Cancer, the Company will pay the Cancer Benefit equal to 100% of Protection Amount less any Early Stage Cancer Benefits paid by the Company.
- If the Early Stage Cancer Benefits for Carcinoma-in-situ of an Organ Group has been paid, that particular Organ Group will be excluded from the second claim for the Early Stage Cancer Benefits for Carcinoma-in-situ. Please see the product leaflet for the covered organ groups.
- No benefit will be paid for early stage malignancy if this benefit has been paid for early thyroid cancer, or vice versa.
- The guaranteed renewal is applicable only if Cancer Guard Protection Benefit is attached to a basic plan which is inforce. If we decide to no longer offer Cancer Guard Protection Benefit to all policyowners already enrolled, we shall be entitled to enroll the life insured in another critical illness plan available at that time. The premiums for Cancer Guard Protection Benefit will vary depending on the age of the life insured and are not guaranteed. We reserve the right to revise the terms and conditions of the benefit provision including the premium at any renewal. Please see ‘premium adjustment’ under the ‘Important Information’ section in the product leaflet.
- Wellness program is only available in Hong Kong and Macau. We reserve the right to change or terminate the wellness program at any time without giving you notice. The wellness program is 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 service of the third party service provider including the medical check-up service. We shall not be liable to the policyowner or the life insured in any respect of any loss, damage, expense, suit, action or proceedings suffered or incurred by the policyowner or the life insured, whether directly or indirectly, arising from or in connection with the services (including the wellness program) provided or advice given by such third party service provider and/or its agents, or the availability of such services. Wellness program is only available in Hong Kong and Macau. We reserve the right to change or terminate the wellness program at any time without giving you notice. The service is provided by a third party service provider and we shall not take any responsibility for the service. Please see the product leaflet for more information.
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