HealthFlex
Make the move towards comprehensive health protection with HealthFlex.
Why should you get HealthFlex plan for your critical illness insurance?
Life can take unexpected turns, and being unprepared can set you back. Make the move towards reliable protection with Manulife HealthFlex, offering coverage for over 100 critical illnesses from early diagnosis to recovery, with flexible payment options that fit your lifestyle and budget.
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Critical Illness Coverage Feel more secure with protection from more than 100 critical illnesses, including Cancer, Heart Attack and Stroke.
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Comprehensive Protection Get comprehensive coverage from early-stage diagnosis up to your recovery up to age 100.
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Long Life Bonus Enjoy annual dividends which can be withdrawn anytime or left to accumulate until maturity.
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Flexible Payment Terms Select a payment term of 5 years, 10 years, or extend it until age 60 to better manage your cash flow.
Key benefits you will get from HealthFlex
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Advanced Critical Illness Benefit Get a lump sum benefit of 100% of your coverage if you get diagnosed with any of the 60 covered advanced critical illnesses including Cancer, Heart Attack, and Stroke.
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Early-Stage Critical Illness Get 25% of your Advanced Critical Illness Benefit, plus waived premiums for 1 year, when diagnosed with a covered Early Stage Critical Illness. If no Advanced Critical Illness claim has been made, this can reset to 100% after a year.
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Male/Female Cancer Get an additional coverage equivalent to 25% of your Face Amount when you get diagnosed with any of the specified gender-specific illnesses.
Hospital Income Benefit* | Receive a daily allowance for hospital confinement to help pay for medical expenses and doctor’s fees for a maximum of 1,000 days. |
Child Critical Illness | Receive an additional financial support equal to 25% of Face Amount when diagnosed with any of the specified Child Critical Illnesses.
Child Critical Illness Benefit only applies when age of the insured is 0-18 years old.
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Recovery Benefit | Receive a monthly cash allowance benefit for 24 months to help you with your finances while you're being treated for a diagnosed Advanced Critical Illness. |
2nd Advanced Critical Illness | Get an additional benefit equal to 100% of your Face Amount when you are diagnosed with Cancer, Heart Attack or Stroke, after your first advanced critical illness claim. |
Waiver of Premiums | Focus on your recovery without worrying about future payments should you get diagnosed with any of the covered illnesses. |
Payor's Benefit* | Continue to enjoy the benefits of the plan for your minor insured without having to pay for the remaining premiums if you (payor) pass away or becomes totally disabled. |
Important notes:
- *Hospital Income Benefit and Payor's Benefit are only available for plans payable in 5 years and in 10 years.
- Face Amount is the value of your plan and will be the basis of your guaranteed cash payouts, maturity benefit and death benefit.
Learn more about critical illness insurance in the Philippines
Critical illness refers to serious health conditions that can significantly affect your life, finances, and ability to work. These illnesses often require extensive medical treatment and long recovery periods. That’s why having protection like major illness insurance is essential. It provides financial support when you're facing life-altering health challenges, helping you focus on recovery instead of expenses.
Manulife, one of the leading providers of critical illness insurance in the Philippines, offers HealthFlex, a comprehensive plan designed to support you from early diagnosis through recovery.
HealthFlex offers comprehensive protection for over 100 critical illnesses from early diagnosis to recovery. Below are some of the critical illnesses included in the plan.
- Cancer
- Heart Attack
- Stroke
- Kidney Failure
- End-stage Lung Disease
Talk to our financial advisor today to learn more about the policy details and the list of critical illnesses covered by HealthFlex.
HealthFlex offers flexible payment options based on your age and coverage amount. For example:
- Bryan, age 30, pays ₱83/day or ₱30,270/year until age 60 for ₱1,000,000 coverage.
- Monica, age 40, chooses a 10-year payment plan, paying ₱243/day or ₱88,774/year for ₱1,000,000 coverage.
Whether you prefer short-term payments or extended terms until age 60, HealthFlex makes it easier to manage your cash flow while staying protected up to age 100.
It’s best to buy critical illness insurance while you're young. HealthFlex offers a flexible plan with payments until age 60, helping you stay protected without straining your budget.
See this sample illustration on the benefits you can enjoy:
Meet Bryan, a 30-year-old Marketing Officer aiming high. He juggles sports, travel, and work, but worries about critical illness. For ₱83/day or ₱30,270/year until age 60, he gets a HealthFlex plan with ₱1,000,000 coverage.
Even if you already have life insurance, critical illness insurance adds to a vital layer of protection that life insurance alone doesn’t offer. Life insurance supports your beneficiaries after death, On the other hand, critical illness insurance provides a lump sum cash benefit if you're diagnosed with a serious illness like cancer, stroke, or heart attack. This benefit can be used for treatment, recovery, or everyday expenses. It’s a separate payout that complements your existing coverage, including life insurance, health cards, or PhilHealth.
Want to learn more about HealthFlex?
Talk to a financial advisor today
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