Group Critical Illness insurance for employee protection
Protect your employees from health risks with Manulife's Group Critical Illness plan. Provide them coverage from over 60 critical illnesses.
What is Group Critical Illness insurance?
Group Critical Illness insurance is a plan designed to provide financial protection for employees by offering lump sum benefits upon the diagnosis of a covered critical illness. The coverage helps with treatment costs and financial security during recovery. This plan covers over 60 critical illnesses to ensure support to employees in times of need.
Plan key benefits and features
Group Critical Illness insurance offers essential benefits for both employers and employees. Here’s why it’s the right choice:
Financial security for employees: Provides a lump sum benefit to employees upon diagnosis of a covered critical illness.
Peace of mind: Ensures that employees don’t have to worry about the financial burden of medical treatments for over 60 critical illnesses.
Boosts employee morale: Offering critical illness coverage as part of your employee benefits package shows you care about their well-being and long-term health.
Flexible coverage options: Customize the plan to fit your company’s needs and budget, providing comprehensive protection while maintaining affordability.
Employer protection: Helps mitigate the financial impact of sick leaves or absences due to illness to ensure business continuity.
What does Group Critical Illness insurance cover?
| Coverage type | Description |
| Critical Illness Coverage | Provides lump sum benefits for over 60 critical illnesses, including heart attack, stroke, and cancer. |
| Major illnesses | Covers serious conditions like kidney failure, coronary artery bypass, and neurological conditions. |
| Cancer coverage | Includes comprehensive coverage for various types of cancer, ensuring financial support during treatment. |
| Heart disease & stroke | Pays a lump sum for heart attack, stroke, or other life-threatening heart conditions. |
Who should consider Manulife Group Critical Illness Products?
Employers/Organizations seeking to provide critical illness protection for their workforce through a group insurance program.
Active employees of the organization are covered under the group insurance plan.
How does the claim process work?
Filing a claim for Group Critical Illness insurance is straightforward and can be started online. To begin your claim, visit the Manulife claims page for detailed instructions and to submit your documents.
Required documents:
Claimant’s statement specific to the critical illness benefit being claimed.
Valid Government‑Issued ID of the claimant.
Medical records supporting the diagnosis, including a physician’s reports and test results confirming the critical illness.
Diagnosis confirmation from a licensed medical practitioner specifying the covered condition.
Additional documents may be requested depending on the nature of the claim and policy requirements.
Timeline:
Once all required documents are submitted, your claim will be reviewed and processed within 7 working days.
Frequently asked questions
Manulife’s public page for Group Critical Illness insurance does not list a specific waiting period; coverage begins as specified in the group policy contract between your employer and Manulife. Always refer to your policy documents for exact details.
Specific exclusions for pre‑existing conditions are determined by the policy contract. Generally, Group Critical Illness plans exclude conditions diagnosed before coverage began, as noted in the critical illness policy terms. Refer to your contract for precise exclusions.
Group critical illness insurance is tied to your employer’s group plan. If you change jobs and are no longer part of that group plan, you typically cannot keep that coverage unless you convert to an individual policy per your policy terms.
Exclusions vary by policy, but generally, critical illness plans do not cover illnesses arising from pre‑existing conditions or conditions not listed in the covered critical illness schedule. Always check your policy contract for full exclusions.
Group plans typically cover employees only under the group contract unless a specific dependent provision is included in the employer’s policy.
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