Underwritten by Manulife Insurance Berhad (814942-M)

Manulife CI Early Advantage

Have the financial support to pay excessive medical treatment for 36 critical illnesses from the early to advance stage. Extra Get-Well-Benefit of 5% of sum assured for your first claim up to RM5000.

    • Income Tax Relief
    • Multiple Illness Claims
    • Early Stage Critical Illness Payout
    • Refund Within 15 Days Cancellation
    • Rider

Get protected now with Manulife CI Early Advantage

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Contact Info

Who do I contact for any inquiries?

Manulife Customer Care Hotline
  •  1300132323
  • Coverage

    What can I claim from this insurance policy?

    Coverage Type 
    • Cancer


    • Major Organ Related Illnesses

      End Stage Kidney Disease
      Medullary Cystic Disease
      Systemic Lupus Erythematosus With Lupus Nephritis
      End Stage Liver Disease
      End Stage Lung Disease
      Fulminant Viral Hepatitis
      Primary Pulmonary Arterial Hypertension
      Chronic Aplastic Anemia
      Terminal Illness
      Not Covered
      Major Organ Transplant
      Bone Marrow Transplant

    • Heart Related

      Heart Attack
      Other Serious Coronary Artery Disease
      Heart Valve Surgery
      Surgery To Aorta
      Severe Cardiomyopathy
      Coronary Artery Bypass Surgery
      Angioplasty And Other Invasive Treatments For Major Coronary Artery Disease
      Artery Disease

    • Brain Related

      Brain Surgery
      Not Covered
      Benign Brain Tumor
      Alzheimer's Disease Or Irreversible Organic Degenerative Brain Disorders
      Loss Of Independent Existence
      Motor Neuron Disease
      Multiple Sclerosis
      Muscular Dystrophy
      Paralysis Or Paraplegia
      Parkinson's Disease
      Progressive Scleroderma
      Not Covered

    • Infection Related

      Bacterial Meningitis
      HIV Due To Blood Transfusion
      Occupationally Acquired HIV
      Not Covered
      HIV Due To Infection
      Not Covered
      Full Blown AIDS

    • Accident Related

      Major Burns
      Major Head Trauma

    • Sensory Loss

      Deafness Or Total Loss Of Hearing
      Loss Of Speech
      Blindness Or Total Loss Of Sight


    Are you eligible to apply for this insurance?

    Minimum Age
    At least 30 days of age
    Maximum Age
    At most 64 years of age

    Frequently Asked Questions about Manulife CI Early Advantage

    Things you might want to know

    What's Manulife CI Early Advantage all about?

    Looking for extra insurance coverage? Manulife CI Early Advantage is a critical illness investment-linked rider that you can add on to a basic investment-linked policy for more comprehensive protection!

    Who is eligible to sign up for Manulife's CI Early Advantage?

    Anyone between the age of 30 days to 64 is eligible to apply for this critical illness plan.

    Can I make a claim for the same illness more than once?

    Yes. The multiple claims system works like a reducing balance. You can make multiple claims across various severity levels of the same or different Critical Illness, up to 100% of the Face Amount, that means your agreed sum assured when you first applied for your insurance.With that said, the higher your Face Amount, the higher your premium.

    Depending on the severity of your medical condition, Manulife’s CI Early Advantage will provide critical illness coverage for all 3 levels of severity:

    1. Severity 25 - This is a 25% payout of your Face Amount for early stage illnesses
    2. Severity 50 - This is a 50% payout of your Face Amount for intermediate stage illnesses
    3. Severity 100 - This is a 100% payout of your Face Amount for severe stage critical illnesses

    Besides that, you’ll also receive a Get Well Benefit which gives you an additional 5% of the Face Amount during your first claim. This additional amount can reach up to a maximum of RM5000.

    How much can I be insured for?

    It largely depends on ‘how much’ you can afford. You will have to consult an insurance advisor from Manulife to advise a premium that is suitable for you in order to determine the appropriate Face Amount which is suited for your budget. These of course will be subject to the underwriting terms of Manulife Insurance Berhad.

    Is there a waiting period between claims?

    There is no waiting period between critical illness claims provided that the initial waiting period has been satisfied. The initial waiting period varies for different type of critical illnesses and severity level, the shortest being 30 days and the maximum goes up to 120 days.

    No claims can be made during the waiting period if you are diagnosed with any of the covered critical illnesses. There is a survival period of 30 days which is the span of time you have to survive upon detection of a critical illness before any claims can be made.

    How do I make a claim?

    Give a call to Manulife's friendly customer service at 1300 13 2323 during their business hours from Monday to Friday and they will guide you step by step on your claim submission. Alternatively, you can visit your nearest Manulife branch or make your way to their head office at the following address:

    Manulife Insurance Berhad

    12th Floor, Menara Manulife

    6, Jalan Gelenggang, Damansara Heights

    50490 Kuala Lumpur

    Will I need to pay for GST?

    Yes, like any other critical illness insurance plan in Malaysia, this critical illness insurance plan is subject to 6% GST

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