Critical Illness Coverage FAQs

You may add Critical Illness coverage as a rider* when you buy any of the following Manulife products: 

Manulife Horizons

Manulife Education Builder

Manulife Seasons 100

Manulife Freedom

YRT and React5

*Riders are additional benefits you can buy on top of a basic plan.

The Critical Illness benefit gives you a lump sum benefit if insured is diagnosed with any of the 60 covered illnesses. These are*:

Diseases of the Circulatory System

1. Myocardial Infarction*
2. Coronary Artery Bypass Surgery*
3. Heart Valve Replacement*
4. Surgery to Aorta*
5. Cardiomyopathy   
6. Other Serious Coronary Artery Disease
7. Primary Pulmonary Arterial Hypertension
8. Sever Infective Endocarditis 
9. Eisenmenger’s Syndrome

Diseases of the Nervous System

1. Stroke*
2. Benign Brain Tumor*
3. Multiple Sclerosis*
4. Amyotrophic Lateral Sclerosis*
5. Parkinson's Disease*
6. Poliomyelitis*
7. Encephalitis*
8. Alzheimer's Disease Apallic Syndrome
9. Brain SurgeryCreutzfeldt-Jacob Disease (CJD)
10. Major Head Trauma 
11. Myasthenia Gravis  
12. Progressive Supranuclear Palsy
13. Bacterial Meningitis 
14. Surgery for Idiopathic Scoliosis

Diseases of the Excretory System

1. Kidney Failure*
2. Medullary Cystic Disease*

Diseases of the Muscular System

1. Muscular Dystrophy*   
2. Progressive Bulbar Palsy*  
3. Progressive Muscular Atrophy*
4. Hemolytic Streptococcal Gangrene*

Hematology-Related Disease

1. Aplastic Anemia*

Specific Diseases

1. Cancer*   
2. Major Organ Transplantation*
3. Coma* 
4. Terminal Illness*
5. Major Burns*
6. Occupationally Acquired HIV*
7. Necrotizing Fasciitis 
8. Pheochromocytoma 
9. Elephantiasis   
10. Loss of Independent Existence
11. Addison’s Disease 
12. HIV due to Blood Transfusion

Forms of Disability

1. Paralysis*   
2. Blindness*   
3. Loss of Limbs*
4. Loss of Hearing* 
5. Loss of Speech*
6. Total and Permanent Disability*
7. Amputation due to Complication from Diabetes

Disease of the Respiratory System

1. End-Stage Lung Disease*

Diseases of the Digestive System

1. Chronic Liver Disease* 
2. Chronic Relapsing Pancreatitis*
3. Crohn's Disease 
4. Fulminant Hepatitis 
5. Severe Ulcerative Colitis

Collagen Diseases

1. Severe Rheumatoid Arthritis*
2. Systemic Lupus Erythematosus*
3. Progressive Scleroderma

*Critical Illnesses covered by Health Choice, Adam, and Eve

Critical illness coverage is available for ages 15-60.  There are instances where the maximum age is lower*. Underwriting guidelines also apply. 
*Up to age 55 for all 5-pay periods, Freedom 15 and 20, and up to age 45 for Freedom at 65.

You will be covered up to age 75.  For 5-year payment periods, coverage is 20 years or up to age 75, whichever comes first.
*For Freedom series, critical illness coverage terminates at the end of the policy term or attained age 75, whichever comes first.

Critical illness benefit is paid out on top of your basic life coverage and other additional benefits. Once itis paid out, it will not affect the other benefits of your policy.