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Outpatient Benefit

Last checked

At a glance

Insurer
Manulife (International) Limited
Product category
Other
Policy currencies
HKD / USD / CAD
Premium payment terms
Renewable / Premiums are payable for each policy year during coverage.
Issue ages & basis
Issue ages & basis (1)
Issue ages & basis
Recorded informationPremium payment terms / Age basis
14 days to 65 years
Age basis: Not confirmed
  • Network general and specialist outpatient consultations are covered, subject to visit limits and co-payments.
Product enquiry via a licensed Hong Kong brokerCompare with similar plans

Decision sheet

7 of 13 known · 6 not published
What it pays and when

Recorded features: Network general and specialist outpatient consultations are covered, subject to visit limits and co-payments.Public source · Checked:

Network general and specialist outpatient consultations are covered, subject to visit limits and co-payments.Public source · Checked:

Benefit limits

Each service is limited to one visit per day; referral and same-day consultation conditions apply.Public source · Checked:

Premium and payment term

Premium payment terms: Renewable / Premiums are payable for each policy year during coverage.Public source · Checked:

Premiums are payable for each policy year during the stated coverage period.Public source · Checked:

Supplementary premiums are collected together with the basic-plan premium.Public source · Checked:

How premiums can change

Premium rates are not guaranteed and may be revised under the insurer’s review rules.Public source · Checked:

Guaranteed / non-guaranteed

This protection has no cash value.Public source · Checked:

Waiting periods

Outpatient cover starts 14 days after the specified issue, application, reinstatement or endorsement date.Public source · Checked:

Main exclusions
not publishedDocuments checkedPublic source · Checked:
Surrender / cancellation
not publishedDocuments checkedPublic source · Checked:
Cooling-off
not publishedDocuments checkedPublic source · Checked:
Riders
not publishedDocuments checkedPublic source · Checked:
Claims steps

Insurer claims guide

not publishedDocuments checkedPublic source · Checked:
Policy servicing from abroad
not publishedDocuments checkedPublic source · Checked:
Complaints and dispute routes

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked:

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked:

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked:

Known means some sourced information is available, not complete terms. Missing details are not evidence of no cover or no restriction.

Questions to ask before buying

Questions to ask before buying (8)

Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.

  1. What exclusions apply?
  2. What are the cancellation terms and any surrender value or charges?
  3. Which riders are available, and what are their costs and terms?
  4. What are the claim steps, documents and deadlines?
  5. How can I service the policy from abroad, and what restrictions apply?
  6. Can you provide the key facts statement and policy provisions for this product?
  7. What is the cooling-off period, and how do I cancel during it?
  8. Which benefits and values are guaranteed, and which are not?
Belongs to

Belongs to

Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.

More product information from this insurer:

Payor Benefit

Insurers (15)
Similar products from other insurers

Similar products from other insurers

Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

Other

Source 1
Policy currencies

HKD / USD / CAD

Source 2
Premium payment terms

Renewable / Premiums are payable for each policy year during coverage.

Source 2
Issue ages & basis
Issue ages & basis
Recorded informationPremium payment terms / Age basis
14 days to 65 years
Age basis: Not confirmed
Source 2
Recorded features

Network general and specialist outpatient consultations are covered, subject to visit limits and co-payments.

Source 2
Names in other languages
English
Outpatient Benefit
繁體中文
門診附加保障
简体中文
Not confirmed

Verified names follow insurer labels. Unconfirmed translations use English for navigation.

Sources & verification dates

Sources & verification dates

Checked:

  1. Outpatient Benefit — brochure

    Source date: Not confirmed / Page: 1

  2. Outpatient Benefit — brochure

    Source date: Not confirmed / Page: 3

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