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No benefit is payable for a covered condition that results from commission of a criminal offence; operation of a motor vehicle while intoxicated; self-inflicted injuries; use of alcohol, drugs or toxic substances; or acts of war.

No benefit will be paid unless the insured individual survives for a period of 30 days following the first diagnosis of a covered condition or any such longer period as specified in the policy. Cancer is not covered within the first 90 days. This 90 day waiting period begins on the date you are approved for coverage.

Certain forms of skin cancer, cancer in situ, T1A and T1B prostate cancer, or tumors in the presence of Human Immunodeficiency Virus (HIV) are not covered. Stroke is not covered if it results from external trauma.

Refer to your policy for further details of the Covered Conditions, exclusions and limitations, and the coverage period. If you are not completely satisfied with your coverage, simply return your policy to Manulife Financial within 30 days of receiving it and any premium paid for the coverage will be promptly refunded.

Get an application form, complete it and return to Manulife Financial.

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