ManuEZ-Med Product Disclosure

1. WHAT IS THIS PRODUCT ABOUT?

   ManuEZ-Med is a non-participating, regular premium medical plan which provides coverage for hospitalisation and surgical expenses up to age 99 (age next birthday), subject to limits set in the Benefit Schedule.

   This is a pure protection product and it does not provide any savings or investment elements.

2. WHAT ARE THE COVERS / BENEFITS PROVIDED?

   There are 2 plans available for selection, each plan provides the coverage/benefits as below:

   View Table

   BENEFIT SCHEDULE		PLAN TYPE
   		PLATINUM	GOLD
   SECTION A. HOSPITAL AND SURGICAL BENEFITS
   (a)	Daily Hospital Room & Board (no limit on number of days)	RM250 per day	RM150 per day
   (b)	Hospital Intensive Care (no limit on number of days)	Reimbursement of Reasonable and Customary Charges
   (c)	Surgical Benefit
   (d)	Anaesthetist's Benefit
   (e)	Operation Theatre Benefit
   (f)	Attending Physician's Benefit
   (g)	Pre-Hospitalisation Benefit (60 days prior to Hospitalisation) Specialist Consultation Diagnostic X-Ray Laboratory Examination and Scans
   (h)	Post-Hospitalisation Benefit (90 days after Hospitalisation) Outpatient Diagnostic X-Ray and Laboratory Examination Medical Expenses and Consultation
   (i)	Hospital Miscellaneous Services
   (j)	Ambulance Fee
   SECTION B. OUTPATIENT AND EMERGENCY BENEFITS
   (k)	Day Surgery (including 90 days follow-up treatment)	Reimbursement of Reasonable and Customary Charges
   (l)	Outpatient Kidney Dialysis Treatment
   (m)	Outpatient Cancer Treatment
   (n)	Outpatient Dengue Treatment
   (o)	Emergency Accidental Injury Benefit (up to RM1,000 per injury)
   (p)	International Emergency Medical Evacuation (up to RM100,000 per lifetime)
   (q)	Emergency Assistance Services	Applicable
   SECTION C. OTHER BENEFITS
   (r)	Daily Government Hospital Cash Benefit	RM50 per day, up to 60 days per Disability
   (s)	Government Tax	Reimbursement of any applicable taxes incurred based on Reasonable and Customary Charges
   OVERALL ANNUAL LIMIT		RM250,000	RM150,000
   OVERALL LIFETIME LIMIT		RM2,500,000	RM1,500,000

    

   Duration of Cover: This plan is renewable on each policy anniversary up to Insured’s age 99. The coverage will cease upon the exhaustion of overall lifetime limit, death of Insured or surrender/cancellation of plan, whichever is earlier.

   Please refer to the policy contract for detailed description of each coverage /benefit.

3. HOW MUCH PREMIUM DO I HAVE TO PAY?

   The premium amount may vary depending on a few factors such as your attained age, gender, occupation class, plan chosen and health conditions. The premium amount payable is non-level and will increase as your age increases. Please refer to Appendix 1 for full premium rates.

   Notes:

   • Premium loading might apply depending on your occupation class and health conditions.
   • Premium rates are non-guaranteed.
   • Manulife reserves the right to revise the premium rates by giving you 90 days written notice. The revised rates will only take effect on your next policy anniversary.
   • You will be given 30 days of grace period from each premium due date for premium payment. Your policy will lapse if premium remains unpaid after the grace period.
4. WHAT ARE THE FEES AND CHARGES THAT I HAVE TO PAY?

   No commission will be payable under this policy as you are purchasing this policy directly from Manulife without any sales intermediary involved.

5. WHAT ARE SOME OF THE KEY TERMS AND CONDITIONS THAT I SHOULD BE AWARE OF?
   1. Importance of disclosure - You are required to disclose all the facts which you know or ought to know, fully and faithfully, otherwise the policy issued may be invalidated.
   2. Free-look period - You may cancel your policy by returning it with written objection within 15 days from the date of receipt. All premiums paid (less any medical fee incurred) will be refunded to you.
   3. Waiting Period - Eligibility for the benefits of this policy shall commence after:
      1. 120 days for Specified Illness; and
      2. 30 days for any other covered disability

      from the Issue Date or Reinstatement Date, whichever is later. However, no Waiting Period is imposed if the injury is due to an accident.

   4. This policy is renewable on each policy anniversary at the premium rates in effect at that time. Unless renewed, the coverage will cease on expiry date and we shall not be liable for any expenses that take place after expiry date.
   5. Switching your existing Medical and Health Insurance (MHI) to another insurer’s policy might not be advantageous as the Waiting Period and Exclusion period, whichever is applicable, will be reset. Besides, new terms and conditions may apply to your new policy if your current health status is less favorable to the new insurer. Please check with your insurer for details terms and conditions before making a decision.
    

   Note: This list is non-exhaustive. Please refer to policy contract for all the terms and conditions under this plan.

6. WHAT ARE THE MAJOR EXCLUSIONS UNDER THIS PLAN?

   ManuEZ-Med does not cover any hospitalisation, surgery or charges caused directly or indirectly, wholly or partly, by any one of the following occurrences:

   1. pre-existing illness;
   2. Specified Illnesses occurring during the first 120 days of continuous cover, from the issue date or reinstatement date of the policy, whichever is later. Specified Illnesses refer to the following Disabilities or any and its related complications:
      • hypertension, diabetes mellitus or cardiovascular disease;
      • growths of any kind including tumours, cancers, cysts, nodules or polyps;
      • stones of the urinary system and biliary system;
      • any disease of the ear, nose (including sinuses) or throat;
      • hernias, haemorrhoids, fistulae, hydrocele or varicocele;
      • any disease of the reproductive system including endometriosis; or
      • any disorders of the spine (including a slipped disc) or any knee conditions.
   3. any medical or physical conditions arising within the first 30 days from the issue date or reinstatement date of the policy, whichever is later, except for accidental injury;
   4. plastic/cosmetic surgery, eye examination, glasses and refraction or surgical correction of nearsightedness (Radial Keratotomy or Lasik) and the use or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers and prescriptions thereof;
   5. dental conditions including dental treatment or oral surgery except as necessitated by Injury to sound natural teeth occurring wholly during the period of insurance;
   6. private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilisation, venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS-Related Complex) and HIV-related diseases, and any communicable diseases requiring quarantine by law;
   7. any treatment or surgical operation for congenital abnormalities or deformities, including hereditary conditions;
   8. pregnancy, child birth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilisation;
   9. hospitalisation primarily for investigatory purposes, diagnosis, X-ray examination, general physical or medical examinations, not incidental to treatment or diagnosis of any sickness, disease, illness, injuries or any treatment which is not medically necessary and any preventive treatments, preventive medicines or examinations carried out by a physician, and treatments specifically for weight reduction or gain;
   10. suicide, attempted suicide or intentionally self-inflicted injury while sane or insane;
   11. war or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection;
   12. ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material;
   13. expenses incurred for donation of any body organ by the Insured and costs of acquisition of the organ including all costs incurred by the donor during organ transplant and its complications. However, the cost of actual undergoing of a major organ transplant as a recipient by the Insured is covered;
   14. investigation and treatment of sleep and snoring disorders, hormone replacement therapy and alternative therapy such as treatment, medical service or supplies, including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bone-setting, herbalist treatment, massage or aroma therapy or other alternative treatment;
   15. care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity covering the Insured and disability arising out of duties of employment or profession that is covered under a Workman's Compensation Insurance Contract;
   16. psychotic, mental or nervous disorders, (including any neuroses and their physiological or psychosomatic manifestations);
   17. sickness or injury arising from racing of any kind (except foot racing), hazardous sports such as but not limited to skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities;
   18. private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes;
   19. expenses incurred for sex/gender changes;
   20. medical treatment received by the Insured outside Malaysia, Brunei or Singapore, if the Insured resides or travels outside these countries for more than 90 consecutive days; or
   21. cost/expenses of services of a non-medical nature, such as television, telephones, telex services, radios or similar facilities, admission kit/pack and other ineligible non-medical items.
    

   Note: This list is non-exhaustive. Please refer to policy contract for the complete list of exclusions.

7. CAN I CANCEL MY POLICY?

   You may cancel your policy by giving a written notice to Manulife. Upon cancellation, provided there is no claim made during the policy year and all premiums due are paid, the following refund of premium will be made to you.

   On Each Policy Year, Period Not Exceeding	% Refund of Current Modal Premium
   	Annual Premium Mode	Monthly Premium Mode
   15 days*	90%	No refund
   1 month	80%
   2 months	70%
   3 months	60%
   4 months	50%
   5 months	40%
   6 months	30%
   7 months	25%
   8 months	20%
   9 months	15%
   10 months	10%
   11 months	5%
   Period exceeding 11 months	0%

    

   * Not applicable for 1 ^st Policy Year.

8. WHAT DO I NEED TO DO IF THERE ARE CHANGES TO THE CONTACT DETAILS OF MYSELF, MY NOMINEE(S) OR MY TRUSTEE(S)?

   It is important that you, your nominee(s) or your trustee(s) inform us of any change in the contact details to ensure that all correspondences reach you, your nominee(s) or your trustee(s) in a timely manner.

9. WHERE CAN I GET FURTHER INFORMATION?

   Should you require additional information about medical and health insurance, please refer to the insuranceinfo booklet on 'Medical & Health Insurance' available at all Manulife branches or you can visit www.insuranceinfo.com.my

   If you have any enquiries, please contact us at:
   Manulife Insurance Berhad (200801013654 (814942-M))
   Menara Manulife, 6, Jalan Gelenggang
   Damansara Heights
   50490 Kuala Lumpur
   Tel : (03) 2719-9112
   Fax : (03) 2092-2960
   Email : MYLife_CustomerService@manulife.com

10. OTHER SIMILAR TYPE OF COVER/PLAN AVAILABLE

    Please contact Manulife for other similar types of plans available.

IMPORTANT NOTE:
YOU SHOULD SATISFY YOURSELF THAT THIS PLAN WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND UNDERSTAND THE INSURANCE PLAN AND CONTACT THE INSURANCE COMPANY DIRECTLY FOR MORE INFORMATION.

This insurance plan is underwritten by Manulife Insurance Berhad (200801013654 (814942-M)), a company licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia and is located at 16th floor, Menara Manulife, 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur.

The information provided in this disclosure sheet is valid as of September 2018.

APPENDIX 1

Appendix 1(a) – Monthly Mode Premium Rates Table, in Ringgit Malaysia (RM)

The above is based on standard health, occupation class 1 and excludes any applicable taxes.
Premium loading may apply.

*Premium rates for age 46 and above are for renewal only.

Appendix 1(b) – Annual Mode Premium Rates Table, in Ringgit Malaysia (RM)

The above is based on standard health, occupation class 1 and excludes any applicable taxes.
Premium loading may apply.

*Premium rates for age 46 and above are for renewal only.