Will you take out an insurance plan now and obtain instant coverage or wait for a long-term policy which is full of uncertainties? As your health may deteriorate with age, your application for medical insurance may well be rejected in the future if you do not enroll now. Even though those individuals deemed to be in the high-risk category may be covered under future medical and health insurance schemes, they are bound to pay considerable premiums. Worse still, they may not be able to enjoy any coverage during a certain period of time.

Medical and healthcare coverage is indeed an urgent concern for every citizen in Hong Kong, especially when concrete arrangement following the implementation of healthcare coverage reform remains uncertain.

To read more medical information

 

	To fit your needs and budget at different stages of your life, Manulife offers "I'mWell", a comprehensive and flexible medical protection, to you with four benefit levels and optional coverages.
	1.   Basic hospital and surgical benefits – 100% reimbursement up to the       prescribed limit per disability 2.   Guaranteed coverage to age 100 giving you peace of mind 3.   Guaranteed OPTION to upgrade benefit at retirement (ages 55 or 60       or 65) without any underwriting 4.   Senior Hospitalization Major Medical coverage for seniors aged 75 or above       who need more coverage – 80% reimbursement in excess of the       prescribed basic hospital and surgical limits 1, up to the Senior       Hospitalization Major Medical limit 5.   Level Premiums* help you save premiums in your golden years 6.   Money back option on surrender or maturity regardless of claims history –       for emergency cash 7.   24 hours international medical assistance when traveling 8.   Optional Hospitalization Major Medical Plus – 80% reimbursement in excess       of the prescribed basic hospital and surgical limits 1, up to the Optional       Hospitalization Major Medical limit 9.   Optional Hospitalization Major Medical Plus – even higher coverage than       Optional Hospitalization Major Medical 10. Optional Outpatient Benefit – access a wide network of clinics for       outpatient coverage, simply by presenting your Outpatient Benefit Card * Level premiums will not increase with attained age every year, but are not    guaranteed. Premiums may increase to reflect any change in the cost of    claims and any change in experience, which includes claim experience, cost of    supplying medical care, etc. In addition to the above optional coverages, you also have the option to increase 2 and reduce coverage between benefit levels (Diamond, Gold, Silver, Bronze) and optional hospitalization coverages over time as your needs change. Take action now. Access to insurance cover gets more difficult as you age. For level premium plans, the earlier you start, the more you save. Please contact us for details.  1  Subject to daily limits. 2  Require underwriting.