Manulife’s Exclusive Partnership with Guardant Health to Bring their Multi-Cancer Detection (MCD) test* to Eligible Customers

⁺Data on file. Guardant Health, Inc. Sep, 2025.

^*Your clinical eligibility will be determined by the medical provider you have booked your appointment with.

^{^}No medical diagnosis will be provided. The information provided is not medical advice or recommendation and should not be relied upon by the users in their decision making in relation to their medical conditions. If you need any medical care or emergency medical service, please visit doctor for consultation immediately.

^#Terms and condition applies. For details, please refer to the campaign leaflet.

For more information on the MCD test^* offered by Guardant Health, please click here.

1. The Multi-Cancer Detection (“MCD”) test and related services are third-party medical screening services provided by Guardant Health Pte. Ltd. (“Guardant Health”) and its appointed service providers (“Service”). Manulife’s role is strictly limited to providing eligible customers with access to the Service and does not constitute medical advice, diagnosis, recommendation, or endorsement. Manulife and its intermediaries do not provide any medical or clinical services, medical advice or medical recommendations, and make no representation or warranty regarding the accuracy, availability, or results of the MCD test.
2. Codex Genetics Limited, as Guardant Health’s appointed distributor and service operator in Hong Kong (“Codex”), and selected medical providers are solely responsible for the end-to-end delivery of the Service. Manulife is not involved in, and accepts no responsibility for, the arrangement, provision, or outcomes of any medical services. The costs of any additional services shall be borne by the customers and shall be determined between the customers and Codex.
3. Customers should assess for themselves whether the MCD test is appropriate for their personal circumstances and consult qualified medical professionals (including medical professionals from select medical providers arranged by Codex as part of the delivery of the Service) before undergoing the tests.
4. The MCD test is not a diagnostic test and does not confirm the presence or absence of cancer. Test results may involve false positives or false negatives. Customers should consult qualified medical professionals (including medical professionals from select medical providers arranged by Codex as part of the delivery of the Service) for interpretation of results and advice on any further diagnostic testing or medical management.
5. Customers should note that MCD test results may impact new insurance underwriting, policy change applications, and claims assessment. Any information generated or disclosed in the course of the Services, including without limitation to MCD test results, shall not constitute actual, constructive, or deemed knowledge of Manulife and shall not affect Manulife’s right to contest any policies issued or to be issued, unless the information has been formally disclosed to Manulife. Customers are required to fully and truthfully disclose any MCD test results and/or any related medical information during the new business underwriting, policy change applications and claims application processes where such information is requested, in accordance with applicable disclosure obligations.
6. Guardant Health and its appointed service providers (including Codex) are independent contractors and are not employees, agents, or servants of Manulife. Manulife shall not be responsible or liable for any services, diagnosis, advice, treatment, or other acts or omissions of any service providers.
7. The Service is subject to the terms and conditions of Guardant Health and its appointed service providers (including Codex), including those relating to availability, operational arrangements, and applicable medical, legal, and regulatory requirements.
8. To the fullest extent permitted by law, Manulife accepts no liability (whether in contract, tort, negligence, or otherwise) for any death, personal injury, loss, damage, cost, or expense arising from or in connection with the use of the MCD test, including matters relating to service quality, test results, or any medical advice provided by third parties.