Manulife HealthFlex

Manulife HealthFlex is a flexible critical illness insurance plan that provides cash benefits during hospitalization and major health events like cancer, heart attack, or stroke. It offers optional hospital income protection, life insurance coverage, and is renewable up to age 100—giving you peace of mind when health challenges arise.

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Manulife HealthFlex

Key Benefits of HealthFlex

Critical Illness Protection

Get covered for up to 60 major illnesses, including cancer, heart attack, and stroke. Choose the plan bundle that fits your needs.

Hospital Income Benefit

Receive daily cash benefits for hospital confinement (up to 1,000 days), including ICU—use it for any expense, no receipts required.

Life Insurance Coverage

In case of death, your family receives the full coverage amount as a life benefit—offering financial security in tough times.

Flexible Payment Terms

Pay for only 5 years, 10 years, or until age 60—whichever suits your budget and goals.

Comprehensive Protection up to Age 100

Enjoy guaranteed coverage up to age 100 as long as premiums are paid—protection that grows with you.

Early-Stage Illness Benefit

Get up to 25% advance payout upon diagnosis of early-stage critical illness, plus a reset feature for future claims.

Freedom to Use Anywhere

No network restrictions. You can use your cash benefits at any hospital or clinic of your choice, here or abroad.

Optional Add-ons

Enhance your HealthFlex coverage with these valuable optional benefits:

♻️ Recovery Benefit

Bounce back stronger.

  • Receive a lump-sum cash allowance after a critical illness claim
  • Helps with post-treatment recovery costs
  • Can be used for any purpose

🔄 Second Critical Illness Claim

Double your protection.

  • Get covered again if diagnosed with a different critical illness
  • Available after surviving your first claim
  • Same coverage amount as initial claim

🧒 Child Critical Illness Rider

Protect your little ones.

  • Coverage for your children's critical illnesses
  • Up to 10 childhood conditions covered
  • Includes leukemia and congenital conditions

🚹🚺 Male/Female Cancer Rider

Tailored for your needs.

  • Extra coverage for gender-specific cancers
  • Women: breast, cervical, ovarian cancers
  • Men: prostate, testicular cancers

Frequently Asked Questions

What is Manulife HealthFlex?
HealthFlex is a flexible critical illness insurance plan that provides lump-sum cash benefits upon diagnosis of major illnesses like cancer, stroke, or heart attack. It can also include hospital income and life insurance benefits, depending on the bundle you choose.
Is this like an HMO or medical card?
No. HealthFlex does not reimburse hospital bills or require accredited doctors. Instead, it gives you cash benefits you can use however you want—for treatment, medicine, recovery, or even daily expenses.
What illnesses are covered?
Depending on your chosen bundle, HealthFlex can cover:
  • Cancer (early and late stages)
  • Heart Attack and Stroke
  • Over 60 other critical illnesses including kidney failure, Alzheimer's, and more
What are the available plan bundles?
There are four options:
  • Cancer
  • 3CI (Cancer + Heart Attack + Stroke)
  • Cancer+ (Cancer + other illnesses)
  • 3CI+ (Top 3 + other illnesses + add-ons)
How much will I receive if I get sick?
You'll receive the full critical illness benefit amount (e.g., ₱1 million) in one lump-sum payment, plus possible add-ons like recovery benefit or early-stage payout.
Does this cover hospitalization?
Yes—via the Hospital Income Benefit add-on. You get daily cash (e.g., ₱2,000–₱5,000) for every day you're hospitalized, regardless of actual expenses.
Is there a life insurance benefit?
Yes. If the insured passes away, their beneficiary will receive the full coverage amount as a death benefit.
How long do I have to pay for the plan?
You can choose from:
  • 5 years
  • 10 years
  • Pay until age 60
Choose the payment term that fits your budget and goals.
Until what age is the plan active?
You're covered up to age 100, as long as you keep the policy active and premiums are paid.
Can I add more protection later?
Yes. HealthFlex lets you customize your plan with optional benefits like:
  • Recovery benefit
  • Second illness claim
  • Child critical illness
  • Male/Female cancer benefit

Secure Your Health Future Today

Critical illness can strike anyone at any time. With HealthFlex, you'll have financial protection when you need it most. Get your personalized quote now.

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