• Manulife Accident Insurance

    Having a pal by your side to look after you in your time of need gives you a sense of reassurance. Like a wind of assurance, let accident insurance stand by you to protect you against any unforeseen mishaps that may leave you in need of help. Manulife provides insurance aimed to give you peace of mind by making your life a breeze knowing you are covered around the clock all over the world.

    About Manulife

    Manulife, based in Canada, is a leading financial services group with a network of operations in 22 countries and territories. It has been providing reliable and trustworthy financial solutions to millions of clients for over 120 years. Manulife provides wealth and asset management solutions, retirement and financial protection, and reinsurance solutions.

    Operating in Asia since 1897, Manulife has a strong credit rating providing protection and wealth management products in 11 countries in the region.

    Types of Manulife Accident Insurance

    mPal

    mPal is a personal accident plan that gives you global comprehensive cover against unforeseeable events. mPal covers you in Singapore as well as abroad so that you have peace of mind through life no matter where you go.

    Features:

    • Choice of five plans to suit your needs.
    • Covers accidental death and dismemberment.
    • Covers 14 common diseases.
    • Worldwide coverage, 24 hours a day, all year round.
    • Optional coverage for children with Education Assurance Fund benefit.
    • Covers injuries sustained during leisure sports.
    • Covers injuries sustained in case of terrorism.
    • Covers full time Singapore National Service and Reservist duties.
    • Emergency Assistance Services available.
    • Non-guaranteed premiums.

    Types of plans and their benefits

    Type of claim Benefit Type of plan
    Bronze Silver Gold Platinum Titanium
    Death and dismemberment by accident Up to S$500,000 S$25,000 S$50,000 S$100,000 S$300,000 S$500,000
    Injury sustained during travel by private or public transport 200% of sum assured S$50,000 S$100,000 S$200,000 S$600,000 S$1000,000
    14 common diseases Reimbursement S$1,500 S$3,000 S$6,000 S$8,000 S$9,000
    Treatment by registered Chinese physicians and chiropractors Reimbursement S$1,500 S$3,000 S$6,000 S$8,000 S$9,000
    Accident and treatment abroad 200% of sum assured S$3,000 S$6,000 S$12,000 S$16,000 S$18,000
    Hospitalisation due to accident Weekly cash benefit S$50 S$150 S$200 S$300 S$400

    Add ons:

    Standard Child Benefit Rider – Up to S$20,000 with double indemnity on school activities.

    Premier Child Benefit Rider – Up to S$30,000 with double indemnity on school activities.

    Eligibility

    • 18-60 years (last birthday).
    • Singaporean parents can purchase the rider for children between 1 month and 12 years.
    • Non-Singaporean parents can purchase the rider for children between 12 and 17 years.
    • Renewable up to the age of 75 for adults and 25 years for child benefit rider.
    • All types of professions can apply.
    • The Titanium plan is not available for Class 4 occupations engaged in manual work involving the use of tools and machinery of a hazardous nature, e.g. welders.

    mBreeze

    An accident insurance plan to make your life a breeze and blow your worries away by protecting you against accidents around the clock and around the globe.

    Features

    • Covers accidental death and dismemberment.
    • Covers third degree burns.
    • Covers injuries sustained during leisure sports.
    • Covers injuries sustained in case of terrorism.
    • Covers full time Singapore National Service and Reservist duties.
    • Optional weekly indemnity benefit.
    • Reimbursement of medical treatments for food poisoning and dengue fever.
    • Covers treatment by registered Chinese physicians and chiropractors.
    • Emergency Assistance Services available.
    • Premium is determined according to your occupational class.
      • Class 1 - S$210
      • Class 2 - S$232
      • Class 3 - S$350

    Benefits

    Benefit Amount
    Accidental Death & Dismemberment S$100,000
    Reimbursement for accident, food poisoning and dengue (per incident) S$2,500
    Treatment by registered Chinese physicians and chiropractors S$500

    Add ons:

    Weekly indemnity benefit In case of hospitalisation or temporary disability due to an accident and within 90 days of the accident, choose a level of weekly income benefit of S$100, S$150 and S$200.

    Eligibility

    • 30-60 years (last birthday).
    • Renewable up to the age of 65.
    • Singaporeans, Permanent Residents of Singapore (PR) can apply.
    • Foreigners with valid employment pass, work permit, dependant pass, student pass and long-term social visit pass can apply.

    Compare Manulife Accident Insurance With Other Insurance Companies Offering Accident Insurance in Singapore

    FAQS - Manulife Accident Insurance

    1. What documents do I require to claim insurance?
    2. Documents required for a claim are:

      1. Personal Accident Claim Form
      2. A copy of the policyholder’s ID
      3. A copy of the life insured’s ID if he/she is not the policyowner.
      4. Medical Certificates.
      5. Police Report, if any.
    3. What are the 14 common diseases?
      1. Bird flu or avian influenza
      2. Chikungunya
      3. Dengue
      4. Food poisoning
      5. Hand, foot and mouth disease
      6. Japanese Viral Encephalitis
      7. Malaria
      8. Measles
      9. Melioidosis
      10. Nipah Viral Encephalitis
      11. Pulmonary Tuberculosis
      12. Rabies
      13. Severe Acute Respiratory Syndrome (SARS)
      14. Jakob Disease (vCJD) or ‘Mad Cow Disease
    4. How much and for how long can I claim weekly benefit?
    5. The amount payable will depend on the plan of your choice.

      • For mPal, the weekly cash benefit is up to S$400 and can be claimed for a maximum of 26 weeks for hospitalization due to an accident. For accidental disability, you can claim for a maximum of 52 weeks.
      • For mBreeze, the benefit is up to S$200 and can be payable up to a maximum of 700 days.
    6. What are emergency assistance services provided by Manulife?
    7. Manulife provides you with a 24-hour emergency assistance service that include:

      • Medical advice via telephone
      • Referral for medical service provider
      • Hospital admission arrangements
      • Inoculation & visa requirement information
      • Embassy, legal & interpreter referral
      • Emergency message transmission
    8. What are the different classes of occupation?
    9. Occupation classes may be classified as follows:

      Class 1 – Indoor work, sedentary in nature such as professional, managerial, clerical, administrative, non-manual jobs.

      Class 2 – Outdoor or onsite work, or work that requires occasional travel and manual work.

      Class 3 – Manual work not of hazardous nature but involves tools and machinery.

      Class 4 – Manual work using tools and machinery of a hazardous nature.

    10. What does non-guaranteed premium mean?
    11. It means that the insurance company reserves the right to change premium rates. They will do so by giving 30 days written notice to the policyowner.

    12. Is renewal of Manulife accident insurance guaranteed?
    13. Renewal is guaranteed for the first 5 years. After 5 years, Manulife reserves the right to cancel the policy by giving 30 days’ notice in writing.

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