Manulife Cover-Me-Again

There is no guarantee that you won't get another heart attack or stroke. Manulife Cover-Me-Again will cover you for selected critical illness twice!

Manulife Cover-Me-Again
Min Sum Covered
No. of Illness
Entry Age
30 days - 59 years
Max Cover Age
Not applicable
Early Stage Coverage


What can I claim from this insurance policy?

  • Cancer
Major Organ Failure
  • End-stage Kidney Disease
  • Bone Marrow Transplant
  • Medullary Cystic Disease
  • Systemic Lupus Erythematosus With Lupus Nephritis
  • End-Stage Liver Disease
  • End-Stage Lung Disease
  • Fulminant Viral Hepatitis
  • Primary Pulmonary Arterial Hypertension
  • Chronic Aplastic Anemia
  • Major Organ Transplant
Heart Related
  • Heart Attack
  • Other Serious Coronary Artery Disease
  • Heart Valve Surgery
  • Surgery To Aorta
  • Severe Cardiomyopathy
  • Coronary Artery Bypass Surgery
  • Angioplasty And Other Invasive Treatments For Major Coronary Artery Disease
  • Artery Disease
Brain Related
  • Benign Brain Tumor
  • Coma
  • Alzheimer's Disease Or Irreversible Organic Degenerative Brain Disorders
  • Loss Of Independent Existence
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Paralysis Or Paraplegia
  • Parkinson's Disease
  • Stroke
Infection Related
  • Bacterial Meningitis
  • Encephalitis
  • HIV Due To Blood Transfusion
  • Full Blown AIDS
Accident Related
  • Major Burns
  • Major Head Trauma
Sensory Loss
  • Deafness Or Total Loss Of Hearing
  • Loss Of Speech
  • Blindness Or Total Loss Of Sight

Contact Info

Who do I contact for any inquiries?

Manulife Customer Care Hotline


Minimum Entry Age
At least 30 days of age
Maximum Entry Age
At most 59 years of age

More Information

What is Manulife Cover-Me-Again?

Worried about a recurring illness such as a heart attack? 

Manulife Cover-Me-Again will ease your woes by giving additional financial help for those who need to claim for selected illness twice such as heart attack, stroke, cancer and major burns. 

This list is by no means exhaustive and these are just a few of the many, terms and conditions apply.

This Manulife insurance can be purchased as a standalone policy or as an add-on to your regular Manulife investment-linked policy to enhance your protection.

Anyone who is aged 30 days to 59 years is encouraged to apply.

What is the coverage period for this critical illness insurance?

The coverage period for this critical illness insurance is up to 80 years old. No renewal is needed.

How much can I be insured for?

The Manulife critical illness insurance gets you covered starting at a minimum Face Amount of RM20,000 up to a maximum of RM500,000, depending on your medical condition.

How does this Manulife insurance work?

Below is an example for someone claiming for the selected illness twice:

ClaimCritical IllnessBenefit (RM)Recovery Allowance (RM)Claim Payout (RM)Waiting Period Required
1st claim at age 51Stroke1000005000105000

30 days (From policy issue date or reinstatement date, whichever is later)

2nd claim at age 54Stroke10000050001050002 years from diagnosis of 1st claim
Total payout210000

You apply for this Manulife insurance with a Face Amount of RM100,000, at age 50. 

You first claim for stroke at age 51, at 100% of the Face Amount of RM100,000, plus RM5000 recovery allowance. 

Since this is your first claim, you'll also receive recovery benefit of RM750 cash vouchers which you can use to redeem medical items.

At age 54, you experience a stroke for the second time and you will once again be entitled to the full Face Amount of RM100,000 and the RM5,000 recovery benefit. 

All-in-all, you have successfully claimed RM210,000 and not forgetting the RM750 cash voucher from Manulife during the course of your policy.

Similarly, you may also claim for two different covered critical illnesses with the same mechanics above. 

Bear in mind that for multiple claims on the same critical illness, the second claim must be proved to be a new occurrence and not a progression of the prior condition.

In case if you don't know, Face Amount is the sum assured you decided when you first applied for your insurance.

Is there a waiting period between claims?

Yes, there is. Depending on the type of illness, the waiting period varies between 30, 60 and 120 days. 

There shall be a waiting period of 2 years in between each claim.

For Cancer, the waiting period for the second claim is two years from complete remission of the first claim. 

However, there’s no waiting period for early Cancer and Angioplasty.

Any other special benefit for this Manulife critical illness insurance?

Most certainly! There are actually three additional perks to enjoy with this Manulife critical illness insurance:

Recovery Allowance - Additional 5% of the Face Amount, or a maximum of RM5000 for your first two claims. 

Death Benefit - If you policy is a standalone policy, 10% of your basic Face Amount will be given to the beneficiary in the event of *knocks on wood* your death

Recovery Benefit - RM750 voucher to be used for expensive medical items on your first claim.

Manulife Cover-Me-Again insurance claim guide

Manulife's customer service is just a phone call away. 

Contact them in case of a claim at 1300 13 2323 during their working hours and they'll be there to assist you on any claim inquiries. 

Alternatively, you can head to your nearest Manulife branch or visit their head office.

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