Doc, you’re trained to fight disease.
But who's protecting YOU when illness strikes?
Get full-spectrum protection from critical illnesses.
✅ 60 critical illness covered
✅ Lifetime protection
✅ Bonus dividends & maturity benefit
✅ Smart, flexible coverage built for young professionals
Some illnesses don’t just make you sick — they devastate your future.
You’ve seen it firsthand — patients who survive, but face financial ruin.
What if you became the patient?
Let’s talk about protection that continues after survival.
Surviving the financially draining illness is just the start — paying for recovery is the real battle.
Even if your HMO helps with the hospital stay…
It’s the aftermath that hits hardest:
• Lost income from months (sometimes, even years) off work
• Daily expensive medications
• Specialist follow-ups
• Rehab and home care
• Mental health expenses
This is when most people go broke — even doctors.
Let’s talk about protection that continues after survival.
What happens when a career-threatening illness forces you to pause your practice?
For a young doctor, losing time = losing patients. Losing income. Losing momentum.
And the truth? Illness doesn’t care how smart, skilled, or strong you are.
That’s why HealthFlex 3CL+ pays out cash — so you can rest and recover without worrying about bills.
What if one diagnosis changed everything about your life?
From professional to patient.
From provider to dependent.
From building your future… to protecting what’s left of it.
HealthFlex is designed for moments like this.
To help you bounce back with dignity, not debt.
It’s not the hospital bill that ruins lives. It’s the silence that follows.
You go home. The meds begin. The therapy begins.
The income stops — but the expenses continue.
This is the phase no one prepares for. But you can.
Some life-altering illnesses don’t kill you — they just disrupt everything else.
Your energy. Your career. Your lifestyle.
HealthFlex 3CL+ helps shield everything you’ve worked so hard to build.
Why HealthFlex 3CL+ is Built for Young Doctors
As a doctor, you understand the harsh truth:
Even the healthiest people can be hit by illness.
What if you were diagnosed with cancer, stroke, or heart disease tomorrow?
Would your income stop? Would your savings survive?
HealthFlex 3CL+ gives you more than just coverage — it gives you peace of mind.
What Is HealthFlex 3CL+?
A powerful, customizable insurance plan that pays you cash benefits when diagnosed with any of 60 major critical illnesses — so you can focus on healing, not hustling.
Here's what it includes:
🔹 Advanced Critical Illness Benefit
Receive a lump sum payout if diagnosed with any of 60 listed major critical illnesses — including cancer, heart attack, stroke, and more.
🔹 Guaranteed Death Benefit
Your loved ones get 100% of the Face Amount, less any claims already paid out for early or advanced CI.
🔹 Waiver of Premium Due to Critical Illness
If you’re diagnosed with any early or advanced stage illness, all future premiums are waived — but your coverage continues.
🔹 Recovery Benefit
A special financial cushion for your healing journey after an advanced critical illness. You get a percentage of your sum assured every month - for two (2) years. Focus on getting better, not on bills.
🔹 Female Cancer Benefit / Male Cancer Benefit
Extra benefit for cancers specific to your gender.
👩⚕️ Covers breast, ovarian, cervical, and more
👨⚕️ Covers prostate, testicular, and more
🔹 Long Life Bonus (Dividends)
Earn annual dividends starting at the end of Policy Year 1. (Note: not guaranteed)
Use them for additional funds, emergencies, or premium offset.
🔹 Maturity Benefit
Reach age 100 and get 100% of the Face Amount, minus any CI claims made. Even if you never claimed, you benefit.
🔹 Pay Only Until Age 60 (there are also options to pay for only 5 or 10 years).
Secure all these benefits while paying premiums only until age 60 — stay protected for life.
Meet Maki – Your Health Protection Partner
Hi Doc! I’m Maki. I may not wear scrubs, but I protect the people who do.
I’m 29, and I work with doctors like you — young, driven, but often too busy to plan for health risks.
I get it:
You’re not worried now…
But you know how fast things can change.
Let’s put a smart plan in place — while you're still healthy and your premiums are at their lowest.
✅ No pressure
✅ No jargon
✅ Just real talk and real protection
Here's What your Fellow Doctors Say
“I first got my HealthFlex after seeing a co-resident go through cancer treatment at 34. I never thought it could happen that young.”
– Dr. Bea, Internist, 34
“Knowing that my premiums are waived if I get sick? That’s peace of mind.”
– Dr. Mark, General Surgeon, 31
“Breast cancer is so common in women. Having the Female Cancer Benefit made this plan a no-brainer for me.”
– Dr. Lara, OB-GYN, 34
Sample Premium Quote
HealthFlex 3CL Plus Plan
Doctor, female, age 30
✅ ₱2,000,000 - Advanced Critical Illness Benefit
✅ Waiver of Premium
✅ ₱40,000 per month - Recovery Benefit (for 2 years)
✅ ₱500,000 - Female Cancer Benefit
✅ ₱2,000,000 - Insurance Coverage
🩺 Computed Premium: ₱5,061.90/month*
Don't Delay – Illness Doesn’t Wait
You protect your patients. Now it’s time to protect yourself.
Lock in your coverage while you’re young and healthy.
📞 Contact
Maki Dumlao - Licensed Financial Advisor
Manulife Philippines