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.
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
Diseases of the Nervous System
Diseases of the Excretory System
Diseases of the Muscular System
Forms of Disability
Disease of the Respiratory System
Diseases of the Digestive System
*Critical Illnesses covered by
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.
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.
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.