Underwritten by Manulife Insurance Berhad

Manulife ManuCare Plus

A well rounded medical insurance plan fit for the family. Worry no more about hefty hospital or surgery bills with Manulife. Enjoy coverage whether locally or overseas!

    • 5 Years No Claim Bonus At 10%
    • 15-Day Cancellation Refund
View product disclosure sheet.


How much you can claim for hospital bills

  • Annual Limit
    The claims on your medical card cannot exceed this amount in a single policy year.
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    As Charged
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged
    • Hospital Services and Supplies
      Charges for the sterilised bandages, intravenous drips, blood packs and other services while hospitalised.
      As Charged
    • Surgical Fees
      How much your medical card covers for surgical procedures, minor and major.
      As Charged
    • Anaesthetist Fees
      Some surgeries require the use of anaesthetic drugs to put you to sleep before the procedure.
      As Charged
    • Operating Theatre Fees
      All the costs involved for use and set up of the operating room for your surgery.
      As Charged
    • In-Hospital Physician Visits
      This is the limit for the visits from the hospital doctors that are covered by your medical plan.
      As Charged
    • Post-Hospitalisation Treatment
      This covers your follow up treatment after your discharge from hospital or day care surgery.
      As Charged
    • Prescription Drugs
      For all the medicine and antibiotics prescribed by your doctor.
      As Charged
    • Outpatient Kidney Dialysis Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with kidney failure.
      As Charged
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      As Charged
    • Outpatient Stroke Treatment
      Treatment benefit for stroke patients, not inclusive of physiotherapy and nursing care.
      As Charged
    • Medical Evacuation and Repatriation
      Amount covered for treatment requiring medical evacuation or repatriation to Malaysia.
      from RM100000 per lifetime
    • Medical Assistance Services
      For costs incurred from on-site care and assistance by medical personnel.
      As Charged
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      from RM500 per disability
View more coverage details +


How much your premiums may cost

    Actual premium rates will be determined by Manulife Insurance Berhad and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

    How to Claim

    Manulife Customer Care Hotline


    Am I eligible to apply for this insurance?

    Minimum Entry Age
    At least 1 year of age
    Maximum Entry Age
    At most 65 years of age
    Maximum Renewal Age
    At most 99 years of age

    Frequently Asked Questions about Manulife ManuCare Plus

    Things you might want to know

    What is Manulife ManuCare Plus?

    With Manulife ManuCaru Plus, you don't have to worry about burdening your loved ones with the hospital bills. ManuCare is a medical plan which gives you the flexibility to choose the plan that suits your needs - whether you'd like complete protection in a hospital overseas, no-claim bonus, and a higher lifetime limit.

    Depending on your plan, you'll be given the freedom to choose your room and board at any Manulife panel hospitals in Malaysia paid for 'as charged' by your Manulife insurance policy without any limit to the maximum number of days you're allowed to stay - subjected to a maximum lifetime limit of RM3 million.

    Tell me more about the no-claim bonus?

    Baiscally, with the no-claim bonus benefit, you'll be rewarded for staying healthy. For all policies without claims, your Lifetime Limit will be automatically increased by 10% after the first 5 years and another 10% after the next 5 years.

    Until what age am I covered?

    With Manulife ManuCare Plus, you are protected for as long as you live, safeguarding you against any medical emergency until you're blowing the candles off the cake on your 100th birthday!

    Am I insured when I travel abroad?

    Whether for business or leisure, you can travel the world in confidence with the proper medical insurance policy. The Manulife ManuCare Plus takes care of your hospitalisation costs for treatment at hospitals overseas. Additionally, you are entitled for selected overseas Emergency Assistance Services provided by International SOS to cater to your medical needs. In the event of a medical evacuation, Manulife ManuCare will bear the cost of relocating or returning you to Malaysia - that means your ticket flight back will be paid for in full.

    What are some of the illnesses or injuries that are not covered?

    Looking to go under the knife to 'enchance' your facial features? Planning to have a baby? Examples of exclusions are as follows:

    • Plastic or cosmetic surgery
    • Dental conditions e.g. dental treatment or oral surgery except as necessitated by accidental injuries
    • Pregnancy, child birth, miscarriage, abortion and prenatal or postnatal care
    • Suicide, attempted suicide or intentional self-inflicted injury while sane or insane. 

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