CareGuard Critical Illness Benefit is a critical illness 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 juvenile disease CI benefit is available if this supplementary benefit 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.

2. The premium for the supplementary benefit remains unchanged throughout each renewable term. Premium will be adjusted upon policy renewal at the end of each renewable term, depending on the age of the life insured and premium rate prevailing at the time of policy renewal.

3. The designated whole-life protection plan available and the terms and conditions of the designated whole-life protection plan will be determined by Manulife at its sole and absolute discretion at the time when the conversion is requested. The premium of the designated whole-life protection plan shall be based on the Manulife’s applicable premium rates in effect, the life insured’s age on the date of conversion and the risk class to which the life insured belongs to. Upon the approval by Manulife of the conversion request, the new plan shall be issued and the supplementary benefit shall be terminated on the date of such approval. The new plan’s notional amount and death benefit amount shall not exceed the supplementary benefit’s protection amount at the time of conversion and the premium loadings and/or exclusions under the supplementary benefit will also be transferred to the whole-life protection plan. For details including the relevant conditions and procedures, please refer to the section ‘Conversion Option’ of the benefit provisions.

Critical illnesses and diseases diagnosed or complex surgeries performed in mainland China:

For major critical illness, early stage critical illness or juvenile diseases diagnosed or complex surgeries performed in mainland China, we will only recognize the diagnosis made or surgery performed by a specialist medical practitioner of a hospital on the list of designated hospitals in mainland China we publish. We may revise the list of designated hospitals in mainland China from time to time without giving prior notice.