Manulife Health Insurance

Manulife Health Insurance Introduction:

The onset of cancer for Ms. Michelle’s brother was evidently a tough phase for the family, emotionally and financially. It was a three-year battle with the disease for Michelle and her mother, both of whom were working.

A measly health insurance taken by her mother years ago was not enough to cover costs of frequent hospital trips, chemotherapy, and subsequent home care. Fortunately, her brother recovered though they are saddled with a huge debt they are still paying.

Ominous as it sounds, the above situation is something that can happen to anyone. Hence in the age of rising medical expenses, health insurance is something you simply cannot avoid.

Manulife provides comprehensive coverage against a number of serious diseases and also a number of health insurance plans to choose from.

Types of Manulife Health Insurance:

Manulife provides 4 kinds of health insurance.

  1. ReadyCompleteCare (I) Health Insurance: This is a terminal illness cover plan created to give you that much-needed financial backing for recuperation from serious diseases.

Features & Benefits of ManuCompleteCare:

  • Comprehensive coverage at all stages of critical illness for 106 medical conditions.
  • Basic health screening every two years for free.
  • 100% of basic coverage if you haven’t made a claim for a critical illness in the last twelve months.
  • Additional SGD 25,000 for another 18 conditions.
  • Up to 500% coverage with an additional cover called “Cover Me Up.”
  • Free coverage for your child.
  • mEase Health Insurance: This cover secures you financially against 37 critical diseases, disability and demise.
  • Features & Benefits of mEase:

    • mEase pays a Compassionate Death Benefit of SGD 10,000 and the entire assured amount upon disability or identification of any of the listed critical illness.
    • Up to S$2 million is provided for critical and terminal illnesses.
    • If the payer dies or suffers from TPD, subsequent premiums will be waived till the anniversary after the insured turns 25, the payer turns 65, or till the rider expires.
  • ManuMediCash Health Insurance: ManuMediCash is basically an independent hospitalization income policy that grants you money for everyday expenses in the hospital including room charges.
  • Features & Benefits of ManuMediCash:

    • Get everyday hospital Income Benefit for clinic confinement in Singapore or abroad due to illness.
    • Get double the amount for hospitalization caused by an accident.
    • Get daily allowance during the days of rest after getting discharged.
    • Get a Day Surgery Income Benefit if you go through day surgery without hospitalization or overnight stay.
    • Get an exclusive one-time payment called Baby Bonus Benefit, if either parent has a life insurance.
  • ManuCare Health Insurance: As costs of medical treatments continue to escalate, there is a growing risk of depleting a major chunk of your savings in the event of an unexpected health contingency. ManuCare Health Insurance Plan secures your hospitalization bills like the ManuMediCash. But it also offers emergency assistance round-the-clock.
  • Features & Benefits of ManuCare:

    • Get reimbursement of your total hospitalisation bill, first dollar-up, with deductibles and co-insurances.
    • It covers you till the age of 74 for any chronic outpatient treatment.
    • You can select any of the four plans that suit your requirements and lifestyle, namely, Executive, Deluxe, Premier and Elite
    • Get a complimentary 24-hour emergency assistance benefit if you’re a customer of the ManuCare Deluxe, Premier, or Elite plan.

    Eligibility & Documentation of Manulife Health Insurance

    • The applicant should be a Singapore citizen or have the relevant visa.
    • He/ she should be aged 18 or above.
    • Relevant income proofs such as salary slips, IT papers, bank statements and contact details of employers/ clients have to be submitted along with the most recent medical certificate.
    • You should also submit a copy of an identity card and address proof.

    FAQs - Manulife Health Insurance

    1. What if I change my mind after applying for cover?
    2. If you are not happy with your plan, just return the Certificate to the nearest Manulife Financial branch in a month and request for a cancellation or another cover. Even your premiums will be reimbursed.

    3. When will my coverage start?
    4. As long as you are qualified to apply, your coverage will commence on the day your duly filled application reaches the Manulife Financial office.

    5. What if I am a smoker?
    6. Your rates will be higher if you are a smoker. You are eligible to Non-Smoker rates for some health insurance plans if it is proved that you have not smoked for the past one year.

    7. What should I do when I get my premium notice?

    If you are paying by credit card or Pre-Authorized Collection (PAC), the money will be charged and debited from your account. Else you can either pay by cash or cheque directly or send by post.

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