| What is it that everyone craves above anything else — wealth, fame, success? Good health, of course. For without it, all other blessings are meaningless. Now that we are living longer than ever, it is of paramount importance that we take extra care of ourselves so that we will be able to enjoy our extended lifespan to the utmost.
 Which is why Manulife has introduced a revolutionary new concept in critical-illness coverage: Vita. It does not just insure you against the cost of treatment should you be so unfortunate to contract a serious illness, but it also goes to great length to ensure that the serious illness is dealt with swiftly and effectively. We aim to help you manage the risk of critical illness along the way.
Five thorough assessments of your physical condition are provided free of charge on a biennial basis, starting from your first anniversary as a Vita client. This will enable you plenty of time to take preventative action against a chronic condition, which could lead to a critical illness, such as cardiovascular deterioration or diabetes, be revealed while it is still manageable.
If signs of the onset of chronic conditions are detected, you are entitled to a special discount on our exclusive Disease Management Program, under which intervention procedures are recommended by a team of cross-disciplinary medical experts. The importance of such an ‘advance warning system’ can be seen from the fact that some 76 per cent of myocardial infarction victims do not notice their heart problems until an actual attack occurs.
It is often a good idea to consult more than one source when diagnosed with a life-threatening illness. Vita actively encourages you to do this. With its Second Medical Opinion Service, it gives you access to some of the top hospitals in the US for a further consultation, and treatment there if necessary at a privileged discount .
Vita’s Cover-Me-Again option permits you to take out fresh multiple coverage after a year of making a claim. And in the case of the most dreaded disease of all, cancer, you can receive the coverage on any diagnosed cancer after five years of being declared clear of it.
 Vita has the widest range of critical-illness coverage in today’s market: a total of 53 potential killers, including cancer, stroke and heart-attack. And it offers maximum financial flexibility to suit your particular needs — with premium payment periods of 10, 15 or 20 years, or up-to-age-65. In addition, the policy pays annual dividends that can act as health reserves to help you through straitened economic circumstances.
This is the first product of its kind in Hong Kong which focuses on avoiding illness and staying well rather than the ability to cope in the event of becoming seriously ill (though this is comprehensively taken care of as well, of course). We take the view that prevention is always better than cure and wish nothing less for our clients than a long, enriched life free of sickness.
It is impossible for human beings to stay away from illness during their whole life. But we can cut the odds of its happening to us by taking sensible steps against it — this is where Vita comes in. As a strong, reliable, trustworthy and forward-thinking company that has been having the best interests of Hong Kong citizens in mind for more than a century, Manulife is here ‘for your future’ and by definition, we want it to be a healthy one. Vita, the Italian word for life, has been custom-designed for this purpose.
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