ManuEnrich Medical Top-up Plan
What is ManuEnrich Medical Top-up Plan?
ManuEnrich Medical Top-up Plan is designed to supplement the life insured’s existing coverage, providing an extra safety net against the burden of rising medical costs by reimbursing up to 90% of eligible medical expenses that are in excess of the life insured’s existing coverage.
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
Hospitals offer various accommodation options with different facilities, and the categorisation used by the hospitals may be different from the definitions in the relevant policy/benefit provisions. If you are unsure of whether a particular accommodation option meets the relevant ward class definitions under these policy/benefit provisions, please contact Manulife before confinement.
ManuEnrich Medical Top-up 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.
Remarks
- All eligible medical expenses must first be claimed under any other available insurance coverage of the life insured. In such cases, the claim under the plan shall only be handled after the claim has been requested to and settled by any other insurance coverage.
- Please see the ‘Benefit Schedule’ on the product leaflet for details.
- The period of coverage of the plan is one year and is renewable annually at each policy anniversary. We have the right to revise the benefits, terms and conditions and premiums when you renew your plan. The premiums are not guaranteed and we may adjust them from time to time. Please see the ‘Renewal’ and ‘Premium adjustment’ paragraphs under the ‘Important Information’ section on product leaflet for details.
- The policyowner may convert the plan into another designated medical plan that is offered by us at time of conversion. The plan level of the designated medical plan must be of same or lower level than the plan. The conversion option can only be exercised at age 55, 60 or 65 of the life insured when the plan has been inforce for at least one year and there should be no outstanding premium under the plan when exercising the conversion option. Any special terms and conditions (if any) including but not limited to pre-existing conditions of the plan will also apply to the designated medical plan upon conversion. Upon approval by us, the plan will be terminated upon conversion, a new premium based on the latest premium rate as determined by us for the designated medical plan will apply. This conversion option can only be exercised once during the lifetime of the life insured provided that the life insured is not covered by such designated medical plan before conversion. Please see ‘Conversion Option’ clause in the policy provision for details.
- International Medical Assistance 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 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 see the latest Emergency Assistance Benefits Provisions for the terms and conditions of the service.
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