Manulife Home Country Youtube

CRITICAL ILLNESS COVERAGE FAQs

Q.1 HOW CAN I GET CRITICAL ILLNESS COVERAGE?

Q.2 WHAT CAN I GET FROM CRITICAL ILLNESS COVERAGE?

Q.3 AM I ELIGIBLE FOR CRITICAL ILLNESS COVERAGE?

Q.4 HOW LONG WILL I BE COVERED?

Q.5 HOW WILL THE PAYMENT OF A CRITICAL ILLNESS BENEFIT LESSEN MY BASIC LIFE INSURANCE COVERAGE?

 


 

Q.1 HOW CAN I GET CRITICAL ILLNESS COVERAGE?    

You may add Critical Illness coverage as a rider* when you buy any of the following Manulife products: 

 

*Riders are additional benefits you can buy on top of a basic plan.

 


 

Q.2 WHAT CAN I GET FROM CRITICAL ILLNESS COVERAGE?    

The Critical Illness benefit gives you a lump sum benefit if insured is diagnosed with any of the 60 covered illnesses. These are*:

 

Diseases of the Circulatory System

  1. Myocardial Infarction
  2. Coronary Artery Bypass Surgery
  3. Heart Valve Replacement
  4. Surgery to Aorta
  5. Cardiomyopathy  
  6. Other Serious Coronary Artery Disease
  7. Primary Pulmonary Arterial Hypertension
  8. Sever Infective Endocarditis  
  9. Eisenmenger’s Syndrome

 

Diseases of the Nervous System

  1. Stroke  
  2. Benign Brain Tumor  
  3. Multiple Sclerosis  
  4. Amyotrophic Lateral Sclerosis  
  5. Parkinson's Disease  
  6. Poliomyelitis  
  7. Encephalitis  
  8. Alzheimer's Disease  
  9. Apallic Syndrome  
  10. Brain Surgery  
  11. Creutzfeldt-Jacob Disease (CJD)
  12. Major Head Trauma  
  13. Myasthenia Gravis  
  14. Progressive Supranuclear Palsy
  15. Bacterial Meningitis  
  16. Surgery for Idiopathic Scoliosis

 

Diseases of the Excretory System

  1. Kidney Failure  
  2. Medullary Cystic Disease

 

Diseases of the Muscular System

  1. Muscular Dystrophy   
  2. Progressive Bulbar Palsy  
  3. Progressive Muscular Atrophy
  4. Hemolytic Streptococcal Gangrene

 

Hematology-Related Disease

  1. Aplastic Anemia

 

Specific Diseases

  1. Cancer  
  2. Major Organ Transplantation
  3. Coma  
  4. Terminal Illness  
  5. Major Burns  
  6. Occupationally Acquired HIV
  7. Necrotizing Fasciitis  
  8. Pheochromocytoma  
  9. Elephantiasis  
  10. Loss of Independent Existence
  11. Addison’s Disease  
  12. HIV due to Blood Transfusion

 

Forms of Disability

  1. Paralysis  
  2. Blindness  
  3. Loss of Limbs
  4. Loss of Hearing  
  5. Loss of Speech  
  6. Total and Permanent Disability
  7. Amputation due to Complication from Diabetes

 

Disease of the Respiratory System

  1. End-Stage Lung Disease

 

Diseases of the Digestive System

  1. Chronic Liver Disease  
  2. Chronic Relapsing Pancreatitis
  3. Crohn's Disease  
  4. Fulminant Hepatitis  
  5. Severe Ulcerative Colitis

 

Collagen Diseases

  1. Severe Rheumatoid Arthritis
  2. Systemic Lupus Erythematosus
  3. Progressive Scleroderma

 

 


 

Q.3 AM I ELIGIBLE FOR CRITICAL ILLNESS COVERAGE?

Critical illness coverage is available for ages 15-60.  There are instances where the maximum age is lower*. Underwriting guidelines also apply. 
*Up to age 55 for all 5-pay periods, Freedom 15 and 20, and up to age 45 for Freedom at 65.

 


 

Q.4 HOW LONG WILL I BE COVERED?

You will be covered up to age 75.  For 5-year payment periods, coverage is 20 years or up to age 75, whichever comes first.
*For Freedom series, critical illness coverage terminates at the end of the policy term or attained age 75, whichever comes first.

 


 

Q.5 HOW WILL THE PAYMENT OF A CRITICAL ILLNESS BENEFIT LESSEN MY BASIC LIFE INSURANCE COVERAGE?

Critical illness benefit is paid out on top of your basic life coverage and other additional benefits. Once itis paid out, it will not affect the other benefits of your policy.