Download the pamphlet - Follow Me

Follow Me
Your Medical Reserve
Guaranteed Premium & Increasing Benefits... TOMORROW and ALWAYS

Follow Me provides you with a medical reserve, which reimburses hospital expenses according to a benefit schedule, in two ways depending on your needs and budget:

i) Follow Me ALWAYS gives you medical cover NOW and well into retirement.
ii) Follow Me TOMORROW focuses primarily on retirement medical cover starting from age 65.

Follow Me ALWAYS	Follow Me TOMORROW
Guaranteed Medical Reserve1	Guaranteed Retirement Medical Reserve1 from Age 65
Guaranteed and Level Premium Fully Paid Up before Age 65
Inflation Protector Index (IPI) Guaranteed automatic increase in benefit maximums by 2% or 5%2 per year without additional premium
Inflation Protector Option (IPO)3 Guaranteed option to increase the initial medical reserve by 5% annually for up to 20 years without underwriting to cope with inflation
Guaranteed Money Back Option on Death or Surrender Up to 150% refund of premium4 , more than your money back
100th Birthday Celebration Bonus Get all your unused medical reserve as a cash bonus
24-hour International Medical Assistance*

* For Follow Me TOMORROW, the International Medical Assistance is available starting from age 65.

Follow Me ALWAYS has two exclusive features:
Extra Retirement Medical Reserve at age 65 - Guaranteed automatic increase of 25% initial Medical Reserve without additional premium.
Catch Up Option^3,5 - Guaranteed continuity option to buy back the used Medical Reserve without underwriting if more than half of the initial reserve has been claimed. You can choose to exercise this option twice before age 55.

1 Claims will result in the reduction of the Medical Reserve / Retirement Medical Reserve. If the remaining reserve is below a specified minimum, the policy may be terminated. The Company reserves the right to review the specified minimum from time to time, which is currently HK$5,000.
2 Before or at age 65, the annual increase is based on the INITIAL benefit maximums at policy inception. After age 65, the annual increase is based on the benefit maximums at age 65.
3 The premium rate is the prevailing rate at the time the option is exercised. Premiums and policy values will be adjusted subsequently when taking up the option. Conditions apply. Please refer to the policy provisions for details.
4 Premium refund refers to the annual mode premium without extra premium (if applicable). For those apply the policy on or after age 56, the death benefit or money back will only be up to 100% refund of premium. This value is reduced by the total claims paid.
5 Pre-existing conditions apply. No benefit will be payable from the Medical Reserve generated by Catch Up Option for any illness or injury of the life insured which originated before the effective date of the respective reserve.

Follow Me ALWAYS and Follow Me TOMORROW are the insurance products underwritten by Manulife (International) Limited.

This webpage is for reference only. For the exact terms and conditions, please refer to the policy contract.

For more information about this product or any other Manulife products or services, Contact Us.

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