What is Manulife ManuHealth Elite all about?
Ensure your medical security with a medical health plan that covers all your needs at the same time. ManuHealth Elite is a comprehensive medical insurance protection plan specially designed to help you manage your medical expenses when you need medical care. With No Limit for your hospital stay, however long it may be, you can be sure that in the event that you need hospitalization, you will not have to spend a dime.
While you can get this medical plan on its own with no frills attached, you also have the option of adding it on as a unit deducting rider that can be attached to selected Manulife regular premium investment-linked plan. Whatever you decide, this policy has got you covered.
What else is offered with this medical card?
Manulife ManuHealth Elite, comes with the option of 4 different plans, each with their own separate range of coverage and separate premiums. The plans are; MHE150, MHE200, MHE250 and MHE As Charged, which gives you close to unlimited coverage in some aspects on the plan. Aside from that, this plan comes with the flexibility and option to cover your family, spouse or child in just one plan. The coverage also extends to your children born after the policy has been purchased.
Deductible options are also available with this policy to help lower the cost of the insurance premiums. Options available are RM0, RM500 and RM5,000. Simply select the one you are most comfortable with. While this will help reduce your cost, it will also mean that you might have to pay ahead for your medical bills if they fall below the covered amount.
Can anyone apply?
To purchase this protection plan you will need to be at least 30 days attained age, with the maximum age for entry at 70 years old. After which, you can continue to renew the plan annually to its maturity at the age of 99 years old.
As policy holders, you can extend the cover to your family members including your spouse and up to 5 children even if your children are born after the plan has been purchased – the maximum entry age for children is 20 years old.
Foreigners are also more than welcome to apply, as long as you’re a permanent resident with a residential address in Malaysia.
Is this a guaranteed renewal policy?
Definitely! You can renew Manulife ManuHealth Elite up till the age of 99 years so you’re well protected even in retirement. However, it's important to note that the premium increases as you grow older and the rates are not guaranteed, just like any other medical plans.
In case your premium rates have increased you’ll get a 90-day prior notice, so you’ll have more than enough time to decide if you’d like to renew your policy.
Am I covered outside Malaysia?
Manulife ManuHealth Elite will cover you across the world for emergency medical assistance and hospitalisation. Bear in mind that when you're outside of Malaysia, Singapore and Brunei, your coverage will not be applicable if you reside abroad for more than 90 consecutive days.