Underwritten by Manulife Insurance Berhad (814942-M)

Manulife Cover-Me-Again

There is no guarantee that you won't get another heart attack or stroke. This policy is a critical illness plan that will cover you for selected conditions twice!

    • Income Tax Relief
    • Multiple Illness Claims
    • Early Stage Critical Illness Payout
    • Refund Within 15 Days Cancellation
    • RM20000 Minimum Sum Assured
    • Standalone Policy Or Rider

Get protected now with Manulife Cover-Me-Again

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Contact Info

Who do I contact for any inquiries?

Manulife Customer Care Hotline
  •  1300132323
  • Coverage

    What can I claim from this insurance policy?

    Coverage Type 
    • Cancer


    • Major Organ Related Illnesses

      End Stage Kidney Disease
      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
      Terminal Illness
      Not Covered
      Major Organ Transplant
      Bone Marrow 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 (10% of Face Amount Or RM25000)
      Artery Disease

    • Brain Related

      Brain Surgery
      Not Covered
      Benign Brain Tumor
      Alzheimer's Disease Or Irreversible Organic Degenerative Brain Disorders
      Not Covered
      Loss Of Independent Existence
      Motor Neuron Disease
      Multiple Sclerosis
      Muscular Dystrophy
      Paralysis Or Paraplegia
      Parkinson's Disease
      Progressive Scleroderma
      Not Covered

    • Infection Related

      Bacterial Meningitis
      HIV Due To Blood Transfusion
      Occupationally Acquired HIV
      Not Covered
      HIV Due To Infection
      Not Covered
      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


    Are you eligible to apply for this insurance?

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

    Frequently Asked Questions about Manulife Cover-Me-Again

    Things you might want to know

    What is Manulife Cover-Me-Again?

    Worried about a recurring illness such as a heart attack? Manulife 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.

    Manulife Cover-Me-Again 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 insurance?

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

    How much can I be insured for?

    Manulife's Cover-Me-Again gets you covered starting at a minimum Face Amount of RM20,000 up to a maximum of RM500,000, depending on your medical condition.

    Tell me more about how this insurance policy works?

    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 the Manulife Cover-Me-Again 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.

    Are there any other special benefits for this product?

    Most certainly! There are actually three additional perks to enjoy:

    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.

    What should I do to make a claim?

    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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