Manulife Health Saver Benefit + MHSB Booster

You will enjoy 30% Upfront Discount (UD) on the insurance charges upon purchase of this rider. If you do not make any claims during the first policy year, you will enjoy a 40% No Claim Discount (NCD) on the insurance charges the following year.

However, should you make a claim, you can continue enjoying the NCD if your claim is approved due to any of the following events:

1. Hospital, surgical and out-patient benefits that are related to the diagnosis of Cancer, Stroke, Heart Attack, Kidney Failure and Coronary Artery Surgery; or
2. Admission to Intensive Care Unit (ICU) for a continuous period of 7 days or more; or
3. Undergoing treatment at any government hospitals and clinics.

Please refer to page 11 for illustrations on how Discount Benefit works.

The premiums apportioned to this unit deducting rider may qualify you for a personal tax relief. However, tax benefits are subject to the Malaysian Income Tax Act 1967 and the final decision of the Inland Revenue Board.

There's no need to worry about the length of your hospital stay. Instead, put your mind and energy towards your recovery.

Our MHSB Signature plan will always allow you to stay in a Single-Bedded Room available in the hospital3. Hence, it will ease your worries about the rising cost of hospital Room and Board. In addition, you will also enjoy the Second Medical Opinion Benefit that is offered exclusively for this plan. You may seek a second medical opinion on the medical diagnosis or procedure to help you evaluate your options.

Policyholders can renew or modify their Manulife Health Saver Benefit + MHSB Booster policy by contacting their Manulife agent or visiting one of Manulife's branches. Policy modifications may be subject to underwriting approval and may result in changes to the policy's coverage, terms, and premium. Policyholders are advised to review their policy regularly to ensure that it meets their current needs and preferences.