Note

1. ManulifeMOVE supports Garmin Connect App, Fitbit App, Google Fit App, Samsung Health App or Health App (with iPhone or Apple Watch).

2. Daily Step Average

Your daily step average is calculated by aggregating the number of steps synced with the ManulifeMOVE mobile app for the following tracking periods divided by the number of days in the respective tracking period.

- First membership year: the tracking period is from the date which your fitness tracking device is successfully linked to your ManulifeMOVE mobile app after you use your ID Card number, Passport number, and/or Date of Birth to activate your MOVE app account, and up to 61 days prior to your first ManulifeMOVE anniversary. The tracking period must be at least 180 days for you to be able to qualify for premium discounts.

- Second membership year and after: the tracking period starts from 60 days prior to your ManulifeMOVE anniversary and runs for one calendar year.

3. MOVE Reward Level

a. Your daily step average is calculated based on the tracking period as defined in Clause 2 above. The tracking period of your first membership year must be at least 180 days, i.e., you must activate your ManulifeMOVE mobile app within 125 days of your ManulifeMOVE membership commencing, in order to fulfill the MOVE Reward Level requirement. You can attain the MOVE Reward Level if your daily step average is at least equal to the corresponding requirement of that level.

b. If you cannot achieve the MOVE Reward Level in any given membership year, you can still be eligible for premium discounts thereafter if you attain the reward level in subsequent membership years.

c. The MOVE Reward Level requirements are subject to change from time to time. Please visit https://www.manulife.com.hk/en/individual/products/manulifemove.html to learn more about the latest requirements and benefits you can enjoy. In case of any disputes arising from the ManulifeMOVE, Manulife's decision shall be final and conclusive.

4. Eligible Plan

a. The eligible plans include the following insurance coverage, for which applications are submitted through Manulife insurance/ financial advisors, brokers, independent advisors or selected bank(s):ManuMaster Healthcare Benefit, ManuShine Healthcare Benefit and Cancer Treatment Benefit are not eligible if attached to Investment Linked Assurance Schemes policies.

I. ManuMaster Healthcare Series/Benefit with application submitted and approved on or after September 1, 2015

II. ManuEssential Care with application submitted and approved on or after September 1, 2015

III. Cancer Treatment Benefit (for HK or Macau residents) with application submitted and approved on or after January 1, 2016

IV. ManuPrime Care with application submitted and approved on or after February 13, 2017

V. ManuShine Healthcare Series/Benefit with application submitted and approved on or after February 13, 2017

VI. Cancer Treatment Benefit (for non-HK or non-Macau residents) with application submitted and approved on or after February 13, 2017

VII. ManuBright Care with application submitted and approved on or after April 24, 2017

VIII. ManuLove Care with application submitted and approved on or after July 23, 2018

IX. Manulife Shelter VHIS Standard Plan / Manulife First VHIS Flexi Plan with application submitted and approved on or after April 1, 2019

X. ManuVital Care with application submitted and approved on or after November 4, 2019

XI. Manulife Supreme VHIS Flexi Plan with application submitted and approved on or after Feb 17, 2020

XII. ManuBright Care 2 / ManuBright Care 2 Plus with application submitted and approved on or after July 27, 2020

XIII. CareGuard Critical Illness Benefit with application submitted and approved on or after July 26, 2021

XIV. ManuPrimo Care with application submitted and approved on or after July 25, 2022

XV. Manulife Bright Care PRO with application submitted and approved on or after July 24, 2023

XVI. Manulife Supreme Lite VHIS Supplementary Benefit / Manulife Supreme Lite Medical Supplementary Benefit with application submitted and approved on or after November 6, 2023

XVII. Manulife Supreme Medical Plan with application submitted and approved on or after November 6, 2023

ManuMaster Healthcare Benefit, ManuShine Healthcare Benefit and Cancer Treatment Benefit are not eligible if attached to Investment Linked Assurance Schemes policies.

b. In the event that you are the insured but not the policy owner, you must have submitted an MOVE Enrollment form for each eligible policy.

c. If you have terminated any existing coverage of the same eligible plan within 6 months prior to the issue date of the newly applied coverage, such coverage is not regarded as an eligible plan.

d. Eligible plans are subject to change from time to time. Please refer to https://www.manulife.com.hk/en/individual/products/manulifemove.html for the latest updates.

5. ManulifeMOVE Premium Discount

a. ManulifeMOVE premium discount is varied and based on the MOVE Reward Level you have attained according to the daily step average (as defined in Clause 2 and 3 above). The premium discount will automatically be applied to all eligible plans where you are the policy owner and / or the insured, by deducting from the renewal premium amount due for the next policy anniversary that falls into the following membership year. In case the first policy anniversary for your eligible plan after joining MOVE falls before the start of your second MOVE membership year, no premium discount will be applicable to this policy renewal. However, the appropriate premium discount would be applied to the next policy renewal, as it would fall within your second membership year.

b. The premium discount is applicable to ALL eligible plans (as defined in Clause 5 below) where you are the policy owner and / or the insured with the eligible plans remaining in force for at least 12 months when applying premium discounts upon a policy anniversary as specified in Clause 4a.

c. Any premium discount will cease immediately upon coverage termination for any reason.

d. The premium discount is applicable to all payment modes, but not applicable to prepayment of premiums.

e. The premium discount is only applicable to premium of eligible coverage; excluding premium for extra loadings and increased coverage as a result of the Inflation Protector Option.

f. The premium discount is only applicable to eligible coverage as mentioned in Clause 5a. Any coverage not mentioned in Clause 5a will not receive any premium discount even if such coverage is taken/attached under one single insurance policy together with eligible coverage.

g. The premium discount cannot be used in conjunction with any other offers unless otherwise specified by Manulife.

h. Manulife reserves the right to change, terminate or cancel the premium discount without prior notice. Manulife's decision shall be final and conclusive. Please refer to https://www.manulife.com.hk/en/individual/products/manulifemove.html for the latest updates.

6. ManulifeMOVE Member Account

You must use your ID Card number, Passport number, and/or Date of Birth to activate your MOVE account and have your fitness tracking device linked to the ManulifeMOVE mobile app for step and activity data tracking (if applicable). You are advised to regularly update your activity record in your fitness tracking device app (if applicable) for the ManulifeMOVE mobile app to determine your MOVE Reward Level and any bonus premium discounts based on your most recent activity data. We will use the activity record according to your last sync with the ManulifeMOVE mobile app as of the end of each tracking period to determine your reward entitlement. Manulife is not responsible for disconnection between the fitness tracking device and its app, and shall not be liable to any record loss.

These Terms and Conditions are governed by the laws of the Hong Kong Special Administrative Region.

The Chinese version of these Terms and Conditions are for reference only. In the event of any discrepancies between the Chinese and English version, the English version shall prevail.