ManuGuard Medical PlanLive With Confidence

ManuGuard Medical Plan/ManuGuard Medical Benefit are insurance products underwritten by Manulife (International) Limited. This pamphlet is for reference only and for Hong Kong or Macau residents only. For the exact terms and conditions, please refer to the policy provision.

For more information, please contact your Manulife Insurance Advisor or call our Customer Service Hotline on 2510 3383 today.

Manulife (International) LimitedIncorporated in Bermuda with limited liabilityA Manulife Financial company. Corporate Headquarters in Toronto, Canada.

22/F, Tower A, Manulife Financial Centre, 223-231 Wai Yip Street, Kwun Tong, Kowloon, Hong Kong.Tel: 2510 3383

To view our Privacy Policy, you can go to our website at www.manulife.com.hk. You may also request Manulife not to use your personal information for direct marketing purpose by writing to our Privacy Officer at 22/F, Tower A, Manulife Financial Centre, 223-231 Wai Yip Street, Kwun Tong, Kowloon, Hong Kong orby calling our Customer Service Hotline 2108 1188.

Manulife (International) Limited is a member of the Manulife Financial group of companies.

Manulife Financial is a leading Canada-based financial services group with principal operations in Asia, Canada and the United States. Clients look to Manulife for strong, reliable, trustworthy and forward-thinking solutions for their most significant financial decisions. Our international network of employees, agents and distribution partners offers financial protection and wealth management products and services to millions of clients. We also provide asset management services to institutional customers. Funds under management by Manulife Financial and its subsidiaries were C$575 billion HK$4,333 billion) as at September 30, 2013. The Company operates as Manulife Financial in Canada and Asia and primarily as John Hancock in the United States.

Manulife Financial Corporation trades as ‘MFC’ on the TSX, NYSE and PSE, and under ‘945’ on the SEHK. Manulife Financial can be found on the Internet at manulife.com.

About Manulife (International) Limited

Remarks:1 Renewal is guaranteed without the need to provide any evidence of

insurability of the insured. The Company reserves the right to revise the policy terms and conditions.

2 If the Insured is diagnosed with Cancer/Heart Attack/Stroke/Kidney Failure, as defined in the policy provisions and receives treatment in Hospital, certain benefits limits will be increased. This benefit will be terminated upon the policy anniversary on which the Insured’s nearest age is 75. Please refer to policy provision for the details of benefits, definitions of the major illness and applicable conditions.

3 Subject to the relevant terms and conditions in the policy provisions.4 Room adjustment factor applies and lifetime limit of HK$1,300,000 / US$162,500

for insured nearest age of 75 or above applies. Please refer to policy provision for details of benefits and terms and conditions.

5 Hospital Cash is applicable to the Insured with Hong Kong identity card and the Confinement in a general ward of a Public Hospital in Hong Kong only.

6 For the Insured covered by any other hospital reimbursement plans offered by other insurance companies licensed in the geographical area of its operation, other than the individual and group medical policies provided by the Company (or its affiliated companies), if the Company is claimed after any reimbursement has been paid from such other insurance companies, the Company will pay the Special Bonus for day of Confined period in Hospital.

7 The Surgeon’s Fee payable per surgical operation or procedure shall not exceed the maximum limit as shown in the Benefit Schedule multiplied by the specified percentage of such surgical operation or procedure as shown in the Surgical Schedule.

8 The Long Term Care Benefit will reimburse the charges incurred for the treatment of chemotherapy, radiotherapy or target therapy that performed on the Insured on an Outpatient basis; or the treatment of haemodialysis or peritoneal dialysis that performed on the Insured in the Outpatient unit of a Hospital.

9 The Medical Negligence Benefit is payable in addition to Compassionate Death Benefit.

10 Services are provided by external providers. The company reserves the right to revise the details of the services from time to time or terminate the services without prior notice.

At Manulife, we believe that having basic hospitalization coverage alone is not enough to meet your healthcare needs. To help you prepare for future medical expenses, you need a plan that provides more protection and financial security, so you may always receive the necessary and latest medical treatment available.

We’re here when you need us

Think of ManuGuard Medical Plan and ManuGuard Medical Benefit as your ideal lifelong medical protection partner. Our guaranteed yearly renewable1 plans provide you with well-rounded medical protection for every life stage. There are four plan levels to choose from: Private, Semi-Private, Ward and Essential Plan each offering different coverage levels to fit your unique needs and budget.

Well-rounded coverage is ready for you:• Basic hospital and surgical benefits giving you 100%

reimbursement up to your limit per disability according to your choice of plan options.

• Health Bonus equal to 8% of the modal premium helps reduce your modal premium for staying healthy if you have made no claims for the 2 preceding consecutive policy years.

• Broad coverage for pre- and post-hospitalization including outpatient, home nursing and ancillary services provided by physiotherapists and chiropractors.

• Long term care benefit allowing you flexibility for cancer treatment and dialysis treatment to be done on outpatient basis when you need long term recovery care.

• 24-hour international medical assistance when travelling.

Extra benefits in the case of major illness2 to ease your worries:• Double the maximum hospital length of stay for room and board,

doctor’s visits and intensive care from 90 days to 180 days.• Double the limit of Specialist’s fees and the maximum number of

pre- and post-hospitalization outpatient visits.• Double the maximum number of post-hospitalization home

nursing visits from 15 to 30 (not applicable to Essential Plan).

Complimentary benefits for better preparation:• Lifetime guarantee to renew1 the plan provides you with a

sense of security.• Benefit step-up option3 to upgrade from Essential Plan to

Ward Plan without evidence of insurability at specific ages. This allows you to enhance your medical protection in preparation for retirement.

For when more is required

We understand that as your life changes, your need for insurance changes. So ManuGuard offers the following optional benefits, giving you the flexibility to adjust your coverage:

• Optional major medical benefit4 and major medical plus benefit4 to enhance your medical coverage which reimburses 80% of your eligible medical expenses in excess of the amount of benefit payable under ManuGuard, subject to the maximum benefit limits.

• Optional outpatient benefit giving you access to a wide network for outpatient clinics, simply by presenting your outpatient benefit card.

Start living your life with confidence today!

Refer to the policy provisions for details of benefits, terms and conditions.

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Benefit Schedule

Maximum Benefit Limit per Disability (HK$/US$) Private Semi-Private Ward Essential

35% of Surgeon’s Fee payable35% of Surgeon’s Fee payable

Benefit ItemsHospital Benefits1. Confinement Benefits(a) Hospital Room & Board (limit per day, up to 90 days)(b) Doctor’s Visit (limit per day, up to 90 days)(c) Specialist’s Fee

(d) Hospital Services

(e) Intensive Care (limit per day, up to 90 days)(f) Hospital Companion Bed (limit per day, up to 90 days)(g) Hospital Cash5

(per day, up to 90 days)(h) Special Bonus6

(per day, up to 90 days) 2. Surgical Benefit(a) Surgeon’s Fee7

(b) Anaesthetist’s Fee(c) Operation Theatre Fee

(a) Emergency Outpatient (Accidental Injury only)

HK$3,800 / US$475

HK$3,800 / US$475

HK$12,000 / US$1,500

HK$34,000 / US$4,250

HK$10,000 / US$1,250Full Cover

HK$1,200 / US$150

HK$1,200 / US$150

HK$1,800 / US$225

HK$1,800 / US$225

HK$6,000 / US$750

HK$20,000 / US$2,500

HK$5,600 / US$700

Full Cover

HK$600 / US$80

HK$600 / US$80

HK$800 / US$100HK$800 / US$100

HK$4,000 / US$500

HK$10,000 / US$1,250

HK$3,200 / US$400

Full Cover

HK$300 / US$40

HK$300 / US$40

HK$500 / US$63

HK$500 / US$63

HK$2,000 / US$250

HK$6,000 / US$750

HK$1,500 / US$188

HK$200 /US$25

HK$150 / US$19

HK$150 / US$19

(a) Pre-Hospitalization Outpatient

(b) Post-Hospitalization Outpatient

(c) Post-Hospitalization Home Nursing

(d) Post-Hospitalization Ancillary Service

HK$1,800 / US$225

HK$1,800 / US$225

HK$1,600 / US$200

HK$600 / US$75

HK$1,300 / US$163

HK$1,300 / US$163

HK$880 / US$110

HK$450 / US$56

HK$1,000 / US$125

HK$1,000 / US$125

HK$600 / US$75

HK$300 / US$38

HK$500 / US$63

HK$500 / US$63

No Benefit

HK$200 / US$25

HK$88,000 / US$11,000

HK$60,000 / US$7,500

HK$40,000 / US$5,000

HK$20,000 / US$2,500

HK$15,000 / US$1,875

HK$11,000 / US$1,375

HK$6,600 / US$825

HK$2,500 / US$313

3. Pre- & Post-Hospitalization Benefits

4. Emergency Treatment Benefit

5. Other Benefits(a) Long Term Care8

(b) Major Illness Care2

Death Benefits(a) Compassionate Death Benefit(b) Accidental Death Benefit(c) Medical Negligence

Benefit9 (per policy)Other Service(a) International Medical Assistance10

Optional Benefits

Double the limits of certain benefits if suffered from Cancer / Heart Attack / Stroke / Kidney Failure.

HK$10,000 / US$1,250HK$10,000 / US$1,250

HK$100,000 / US$12,500

Service Program

(a) Major Medical Benefit4 (b) Major Medical Plus Benefit4 (c) Outpatient Benefit

HK$155,000 / US$19,375

HK$110,000 / US$13,750

HK$52,000 / US$6,500

HK$25,000 / US$3,125

(limit per visit, 1 visit per day for a maximum of 1 visit within 31 days before hospitalization/Outpatient surgeries)

(limit per visit, 1 visit per day for a maximum of 3 visits within 60 days after Discharge from Hospital/ Outpatient surgeries)

(limit per visit, 1 visit per day for a maximum 15 visits within 90 days after Dischargefrom Hospital)

(limit per visit, 1 visit per day for a maximum 10 visits for Registered Chiropractor /Physiotherapist within 90 days after Discharge from Hospital)

(maximum per illness per life for Chemotherapy/Radiotherapy/ Target Therapy/Kidney Dialysis)