ManuMaster Healthcare Series

ManuMaster Healthcare Series

No one plans to get sick or injured, but as you get older your need for medical care will gradually increase. To protect your health, you want to get the right treatment wherever and whenever you need. ManuMaster Healthcare Series and ManuMaster Healthcare Benefit come with three options, and to meet your different needs. All-round protection before and after your hospital stay Rewards for staying healthy Keep your health on track Cover your treatment expenses ManuMaster Healthcare Series Your lifelong partner for a healthy life If you spend a lot of time in Asia, plan offers medical protection in that region at a premium you can afford. Provides worldwide cover and entitles you to medical care at leading hospitals across the USA. (Please see note 1 below.) For those who divide their time between Asia and Europe, our extensive plan has all the cover you need. If you re currently covered by another medical plan, you can top-up your medical cover with ManuMaster. You may also choose the maximum amount (the deductible ) you need to pay when you make a claim Nil, HK$8,000 / US$1,000, or HK$22,800 / US$2,850. You may lower the premium of your plan by choosing a higher deductible. Notes 1. We will reduce the amount of benefit we pay (except death benefits) under this plan by 50% if: you have lived in the USA for at least 183 days in the past 12 months at the time of your stay in hospital, or when receiving medical treatment or a medical service in the USA; or you are in hospital or have day-case surgery in the USA without getting authorisation from us beforehand, unless it was due directly to an accident or an emergency. We have the right to change the area of cover from to exclude USA at any time if you have lived in the USA for at least 183 days in the past 12 months.

Cover your treatment expenses You are fully covered for the following hospital and surgical expenses. The benefit we will pay under the plan depends on the yearly limit and lifetime limit which apply. Please see the benefit schedule for details of cover. - Hospital room and board - Doctors visits - Specialists fees - Hospital services - Intensive care - Hospital companion bed - Surgeon s fee - Anesthetist s fee - Operation-theatre fee - Day-case surgery - Medical appliances (Please see note 2 below.) All-round protection before and after your hospital stay ManuMaster will cover you for the outpatient expenses before and after your hospital stay, plus home nursing and rehabilitation. ManuMaster also protects you in the following areas. - Inpatient and outpatient chemotherapy, radiotherapy and target therapy - Inpatient and outpatient kidney dialysis - HIV/AIDS treatment (Please see note 3 below.) - Traditional Chinese medicine during your stay in hospital, after you are discharged from hospital, and for day-case surgeries (for and plans) - Hospice care - Pregnancy complications (Please see note 4 below.) Keep your health on track To help you stay healthy, ManuMaster provides a health assessment every two years once you turn 30. Rewards for staying healthy If you make no claims for two years in a row, ManuMaster will reward you with a deductible credit equal to 15% of your annual premium next year. (Please see note 5 below.) You can use this credit to offset any deductible when you make a claim. Your lifelong partner for a healthy life Despite your health condition, you can be reassured that ManuMaster offers a guaranteed renewal for the lifetime of the policy. (Please see note 6 below.) Your health is the most important asset for you and your family. With the comprehensive medical protection that we offer, you can rest assured that ManuMaster has you covered. Notes 2. Medical appliances include pacemaker, stents for percutaneous transluminal coronary angioplasty, intraocular lens, artificial cardiac valve, metallic or artificial joints for joint replacement, prosthetic ligaments for replacement or implantation between bones and prosthetic intervertebral disc. 3. HIV/AIDS treatments benefit is only available after cover has been in place for five years in a row. 4. Pregnancy complications benefit is only available after cover has been in place for 12 months in a row. 5. Deductible credits only apply to plans with annual deductibles. Please see the policy provision for details. 6. We have the right to revise the benefits, terms and conditions and premiums if you renew your policy. The premiums are not guaranteed and we may adjust them from time to time. If we decide to no longer offer the plan to all policy owners, we will do our best to offer them another medical plan available at that time.

For a key to symbols, please see the end of the benefit schedule. Benefit Schedule Plan Area of Cover Exclude USA (see*) Asia (see#) Maximum Benefit Limit (HK$/US$) Yearly Limit HK$22,000,000 / US$2,750,000 HK$15,000,000 / US$1,875,000 HK$8,000,000 / US$1,000,000 Lifetime Limit (see~) HK$66,000,000 / US$8,250,000 HK$45,000,000 / US$5,625,000 HK$24,000,000 / US$3,000,000 Annual Deductible Options (these only apply to sections 1 to 5 of this benefit schedule) HK$0 / US$0 or HK$8,000 / US$1,000 or HK$22,800 / US$2,850 Hospital Benefits 1. Confinement Benefits a. Hospital Room and Board (see+) Standard private room Standard private room Standard private room/ standard semi-private room (hospital stay in Hong Kong) b. Doctors Visits c. Specialists Fees d. Hospital Services e. Intensive Care f. Hospital Companion Bed g. Private Nurse s Fee (maximum number of days per policy year) (up to 90 days) (up to 60 days) (up to 30 days) h. Hospital Cash (per day) i. Psychiatric Treatment (per policy year) HK$1,800 / US$225 HK$1,200 / US$150 HK$1,000 / US$125 HK$60,000 / US$7,500 HK$40,000 / US$5,000 No Benefit 2. Surgical Benefits a. Surgeon s Fee b. Anesthetist s Fee c. Operation-theatre Fee d. Day-case Surgery e. Medical Appliances ( HK$100,000 / US$12,500 per policy year for non-designated medical appliances) Reduction of Confinement Benefits and Surgical Benefits Due to Class of Room (see+) The benefit we will pay under confinement benefits and surgical benefits will be reduced to 25% for a room higher than standard private room class. For plan, the benefit we will pay under confinement benefits and surgical benefits will be reduced to 50% for a room higher than standard semi-private room class but not higher than standard private room class in Hong Kong. 3. Pre- and Post-hospitalization Benefits a. Outpatient (before hospital stay) b. Outpatient (after hospital stay) (within 31 days before hospital stay and maximum one visit per day) (within 60 days immediately after your discharge from hospital and maximum one visit per day) c. Home Nursing After Hospital Stay (maximum number of days per policy year) (up to 120 days) (up to 60 days) (up to 30 days) d. Ancillary Service (after hospital stay) physiotherapist, occupational therapist, speech therapist, chiropractor e. Rehabilitation (per policy year) HK$60,000 / US$7,500 HK$45,000 / US$5,625 HK$30,000 / US$3,750 (within 90 days immediately after your discharge from hospital, maximum one visit per day and up to 60 visits per policy year) HK$100,000 / US$12,500 HK$80,000 / US$10,000 HK$50,000 / US$6,250

Benefit Schedule Plan Area of Cover Exclude USA (see*) Asia (see#) Maximum Benefit Limit (HK$/US$) 4. Extended Benefits a. Chemotherapy and Radiotherapy b. Kidney Dialysis c. HIV/AIDS Treatment (per lifetime) HK$1,000,000 / US$125,000 HK$800,000 / US$100,000 No Benefit d. Traditional Chinese Medicines e. Hospice Care (per lifetime) HK$480 / US$60 per visit HK$320 / US$40 per visit (during your stay in hospital, within 90 days immediately after your discharge from hospital and day-case surgery, maximum one visit per day and up to 20 visits per policy year) HK$200,000 / US$25,000 HK$100,000 / US$12,500 No Benefit HK$50,000 / US$6,250 f. Pregnancy Complications No Benefit 5. Emergency-treatment Benefits a. Emergency Outpatient b. Emergency Dental (due to accident) 6. Death Benefits a. Compassionate Death Benefit HK$80,000 / US$10,000 b. Accidental Death Benefit HK$80,000 / US$10,000 7. Other Services (see^) a. Wellness Checkpoint Service Program b. Second Medical Opinion Service Program c. International Medical Assistance Service Program Key to Symbols * exclude USA: worldwide, not including the USA and US Minor Outlying Islands. # Asia: Afghanistan, Bangladesh, Bhutan, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, North Korea, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, Vietnam. ~ Lifetime limit means the maximum total amount of hospital benefits we will pay under all insurance policies in our ManuMaster Healthcare Series covering you and issued by us from time to time, whether or not still in force, which have a specific lifetime limit in line with their terms and conditions. + Hospital room and board means a standard private room for your private use during your stay in hospital, with its own private facilities including a bedroom and bath or shower room. It does not include any room of upper class with its own kitchen, dining or sitting area. The benefit we will pay under confinement benefits and surgical benefits will be reduced to 25% if you stayed in a class of room higher than standard private room for Plan, Plan and Plan (for hospital stays in Asia, not including Hong Kong). For Plan, hospital stays in Hong Kong are limited to a standard semi-private room, which means a single bed with a shared bath or shower room or a room shared by two people for your use during your stay in hospital. The benefit we will pay under confinement benefits and surgical benefits will be reduced to 50% if your room is upgraded from standard semi-private room to standard private room in Hong Kong. If your room is a class higher than standard private room, the benefit we will pay under confinement benefits and surgical benefits will be reduced to 25%. ^ Services including Wellness Checkpoint, second medical opinion and international medical assistance are provided by external providers. We may revise the details of these services from time to time without giving you notice.

The annual premium table is for reference only and we may change it from time to time without notice. US$1 = HK$8 Annual Premium Table (HK$) Plan Area of Cover Exclude USA Asia Annual Deductible (HK$) 0 8,000 22,800 0 8,000 22,800 0 8,000 22,800 Age 0 15,070 11,302 75,35 9,439 7,403 5,045 5,974 4,487 3,304 1 15,070 11,302 7,535 9,439 7,403 5,045 5,974 4,487 3,304 2 15,070 11,302 7,535 9,439 7,403 5,045 5,974 4,487 3,304 3 15,070 11,302 7,535 9,439 7,403 5,045 5,974 4,487 3,304 4 15,070 11,302 7,535 9,439 7,403 5,045 5,974 4,487 3,304 5 15,070 11,302 7,535 9,439 7,403 5,045 5,974 4,487 3,304 6 15,070 11,302 7,535 9,439 7,403 5,045 5,974 4,487 3,304 7 15,070 11,302 7,535 9,439 7,403 5,045 5,974 4,487 3,304 8 15,070 11,302 7,535 9,439 7,403 5,045 5,974 4,487 3,304 9 15,070 11,302 7,535 9,439 7,403 5,045 5,974 4,487 3,304 10 15,070 11,302 7,535 9,439 7,403 5,045 5,974 4,487 3,304 11 15,070 11,302 7,535 9,439 7,403 5,045 5,974 4,487 3,304 12 15,070 11,302 7,535 9,439 7,403 5,045 5,974 4,487 3,304 13 15,070 11,302 7,535 9,439 7,403 5,045 5,974 4,487 3,304 14 15,070 11,302 7,535 9,439 7,403 5,045 5,974 4,487 3,304 15 15,070 11,302 7,535 9,439 7,403 5,045 5,974 4,487 3,304 16 15,381 11,542 7,737 9,628 7,539 5,162 6,097 4,583 3,377 17 15,698 11,788 7,944 9,820 7,678 5,283 6,223 4,680 3,453 18 16,022 12,038 8,156 10,017 7,820 5,406 6,352 4,780 3,529 19 16,353 12,294 8,374 10,217 7,964 5,532 6,483 4,882 3,608 20 16,691 12,555 8,599 10,421 8,111 5,661 6,616 4,986 3,688 21 17,035 12,822 8,829 10,630 8,261 5,793 6,753 5,092 3,771 22 17,387 13,095 9,065 10,842 8,413 5,928 6,892 5,201 3,855 23 17,746 13,373 9,308 11,059 8,568 6,067 7,035 5,311 3,940 24 18,112 13,657 9,557 11,281 8,726 6,208 7,180 5,425 4,028 25 18,486 13,948 9,812 11,506 8,887 6,353 7,328 5,540 4,118 26 18,868 14,244 10,075 11,736 9,051 6,501 7,479 5,658 4,210 27 19,257 14,547 10,345 11,971 9,218 6,653 7,634 5,779 4,304 28 19,655 14,856 10,621 12,211 9,388 6,808 7,791 5,902 4,399 29 20,061 15,172 10,906 12,455 9,561 6,967 7,952 6,028 4,497 30 20,475 15,494 11,198 12,704 9,737 7,129 8,116 6,156 4,598 31 20,898 15,823 11,497 12,958 9,917 7,296 8,284 6,287 4,700 32 21,329 16,160 11,805 13,217 10,100 7,466 8,455 6,421 4,805 33 21,769 16,503 12,121 13,482 10,286 7,640 8,629 6,558 4,912 34 22,219 16,854 12,445 13,751 10,476 7,818 8,808 6,698 5,021 35 22,678 17,212 12,778 14,026 10,669 8,001 8,989 6,841 5,133 36 22,871 17,352 12,875 14,463 10,996 8,242 9,066 6,896 5,171 37 23,017 17,457 12,948 14,913 11,335 8,492 9,123 6,937 5,200 38 23,211 17,598 13,045 15,378 11,684 8,748 9,199 6,992 5,238 39 24,277 18,370 13,577 15,856 12,022 8,975 9,618 7,296 5,449 40 25,344 19,141 14,110 16,350 12,373 9,211 10,038 7,599 5,660 41 26,410 19,913 14,643 16,859 12,736 9,457 10,457 7,903 5,871 42 27,477 20,685 15,175 17,384 13,111 9,712 10,876 8,206 6,082 43 28,543 21,457 15,708 17,925 13,499 9,978 11,295 8,509 6,293 44 29,707 22,299 16,289 18,483 13,898 10,250 11,753 8,840 6,523 45 30,870 23,140 16,870 19,059 14,311 10,532 12,210 9,171 6,753 46 32,082 24,017 17,476 20,007 15,002 11,019 12,687 9,516 6,993 47 33,245 24,859 18,057 21,002 15,729 11,532 13,144 9,847 7,223 48 34,409 25,701 18,638 22,046 16,492 12,071 13,601 10,178 7,453 49 35,911 26,789 19,389 23,143 17,289 12,628 14,192 10,606 7,750 50 37,414 27,876 20,139 24,294 18,126 13,215 14,783 11,033 8,047 51 39,766 29,641 21,307 25,800 19,257 13,961 15,699 11,704 8,522 52 42,266 31,517 22,542 27,400 20,457 14,749 16,672 12,416 9,025 53 44,923 33,512 23,849 29,100 21,733 15,581 17,706 13,172 9,560 54 47,747 35,634 25,232 30,904 23,088 16,460 18,803 13,969 10,117

Plan Annual Premium Table (HK$) Area of Cover Exclude USA Asia Annual Deductible (HK$) 0 8,000 22,800 0 8,000 22,800 0 8,000 22,800 Age 55 50,749 37,890 26,695 32,821 24,528 17,389 19,969 14,816 10,710 56 53,939 40,288 28,242 34,856 26,058 18,371 21,206 15,716 11,341 57 57,330 42,839 29,880 37,018 27,683 19,408 22,521 16,673 12,012 58 60,934 45,550 31,612 39,314 29,409 20,503 23,917 17,689 12,725 59 64,765 48,434 33,445 41,752 31,243 21,660 25,399 18,759 13,466 60 68,836 51,500 35,384 44,342 33,192 22,883 26,973 19,897 14,255 61 73,164 54,760 37,435 47,092 35,262 24,174 28,645 21,107 15,096 62 77,763 58,226 39,605 50,012 37,461 25,538 30,421 22,393 15,992 63 82,652 61,912 41,902 53,114 39,797 26,980 32,307 23,761 16,945 64 87,848 65,832 44,331 56,408 42,278 28,503 34,310 25,210 17,953 65 93,370 69,999 46,901 59,906 44,915 30,111 36,437 26,751 19,025 66 99,240 74,430 49,620 63,621 47,716 31,811 38,696 28,388 20,166 67 103,715 77,786 51,858 66,480 49,860 33,240 40,433 29,643 21,035 68 108,190 81,142 54,095 69,338 52,003 34,669 42,171 30,898 21,905 69 112,665 84,499 56,332 72,196 54,147 36,098 43,909 32,159 22,784 70 117,941 88,456 58,971 75,572 56,679 37,786 45,962 33,650 23,827 The figures for ages 71 to 99 apply to renewal only 71 123,847 92,934 61,956 79,386 59,539 39,693 48,281 35,335 25,006 72 130,047 97,639 65,092 83,392 62,544 41,696 50,717 37,105 26,245 73 136,558 102,581 68,388 87,601 65,701 43,800 53,276 38,966 27,547 74 143,396 107,774 71,850 92,022 69,017 46,011 55,964 40,917 28,911 75 150,575 113,230 75,487 96,666 72,500 48,333 58,788 42,968 30,345 76 157,419 121,339 80,893 103,559 77,670 51,780 62,980 46,018 32,483 77 165,078 125,956 83,971 107,492 80,619 53,746 65,371 47,751 33,691 78 173,878 130,574 87,049 111,423 83,567 55,712 67,761 49,484 34,898 79 179,419 135,191 90,127 115,354 86,516 57,677 70,151 51,214 36,101 80 184,471 140,516 93,678 119,895 89,921 59,947 72,912 53,215 37,495 81 191,641 147,626 98,417 125,947 94,460 62,973 76,592 55,886 39,361 82 197,833 152,952 101,968 130,487 97,865 65,243 79,352 57,886 40,753 83 205,747 159,070 106,046 135,706 101,780 67,853 82,525 60,182 42,350 84 213,977 165,432 110,288 141,135 105,851 70,567 85,826 62,571 44,011 85 222,536 172,050 114,700 146,780 110,085 73,390 89,258 65,055 45,738 86 231,437 178,932 119,288 152,651 114,488 76,326 92,828 67,639 47,534 87 240,695 186,089 124,059 158,757 119,068 79,379 96,540 70,326 49,402 88 250,322 193,533 129,022 165,108 123,831 82,554 100,401 73,120 51,344 89 260,335 201,274 134,183 171,712 128,784 85,856 104,416 76,026 53,364 90 270,749 209,325 139,550 178,580 133,935 89,290 108,592 79,048 55,465 91 281,579 217,698 145,132 185,724 139,293 92,862 112,935 82,191 57,650 92 292,842 226,406 150,937 193,153 144,864 96,576 117,452 85,460 59,922 93 304,555 235,462 156,975 200,879 150,659 100,439 122,149 88,860 62,285 94 316,738 244,880 163,254 208,914 156,685 104,457 127,035 92,395 64,743 95 329,407 254,676 169,784 217,270 162,953 108,635 132,115 96,072 67,298 96 342,584 264,863 176,575 225,961 169,471 112,981 137,399 99,896 69,956 97 356,287 275,457 183,638 235,000 176,250 117,500 142,895 103,873 72,721 98 370,538 286,475 190,984 244,400 183,300 122,200 148,610 108,009 75,596 99 385,360 297,935 198,623 254,176 190,632 127,088 154,553 112,310 78,585 Important Reasonable and customary charges: we will only cover charges for medical care which are not higher than the general level charged by similar medical service providers in the area for similar treatment, services or supplies to people of the same sex and age, for a similar disease or injury. We will not pay more than the actual charges. Please see the policy provision for full terms and conditions. ManuMaster Healthcare Series and ManuMaster Healthcare Benefit are insurance products provided by Manulife (International) Limited (Incorporated in Bermuda with limited liability). This leaflet is only a reference. For the exact terms and conditions, please see the policy provision. For more information, please contact your Manulife Insurance Advisor or call our Customer Service Hotline on 2510 3383 today. To view our Privacy Policy, go to our website at www.manulife.com.hk. You may also ask us not to use your personal information for direct marketing purposes by writing to our Privacy Officer at 22/F, Tower A, Manulife Financial Centre, 223-231 Wai Yip Street, Kwun Tong, Kowloon, Hong Kong or by calling our Customer Service Hotline on 2108 1188.

MKTPP39E (10/2014)