Underwritten by Manulife Insurance Berhad (814942-M)

Manulife ManuHealth Elite Medical Card

Choosing the right medical insurance is essential in relieving you of the ever rising medical cost. Boost your coverage to a whole new level with ManuHealth Elite!

    • Deductible Up To RM5000
    • Investment-Linked Policy
    • Hospital Accommodation Up To 365 Days
    • 15-Day Cancellation Refund

Free Multi-Function Mini Jump Starter!

Free Multi-Function Mini Jump Starter!

Apply online now for Manulife ManuHealth Elite Medical Card

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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.
    from RM1000000 up to RM2200000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    No Limit For Hospital and Surgical Benefit
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged For Diagnostic X-Ray and Laboratory Examination and Scans
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM150 / As Charged for unlimited days of Hospitalisation. For selected Plans only
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged within 60 days before hospitalisation
    • Second Medical Opinion
      In case you'd like the medical opinion of another physician before undergoing treatment.
      up to RM2000 per policy year on selected plans only
    • Intensive Care Unit (ICU)
      Worsening conditions may require critical care in the specialised hospital ward.
      As Charged unlimited days of hospitalisation
    • 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 within 90 days after discharge
    • 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 includes treatment such as radiotherapy or chemotherapy
    • Outpatient Stroke Treatment
      Treatment benefit for stroke patients, not inclusive of physiotherapy and nursing care.
      As Charged includes treatment such as speech, occupational and physical therapy
    • Day Surgery
      For surgical procedures that do not require you to spend the night in a hospital bed.
      As Charged
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      from RM2000 up to RM3500per Injury.
    • Medical Evacuation and Repatriation
      Amount covered for treatment requiring medical evacuation or repatriation to Malaysia.
      As Charged up to RM100000 per lifetime, subject to Overall Individual Annual Limit
    • 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.
      As Charged
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      from RM50 up to RM100per day up to 60 days
    • Insured Child Guardian Benefit
      Reimbursement of expenses for parents or guardians of children who are admitted into the hospital ward.
      from RM50 up to RM100per day up to 120 days per policy year
    • Home Nursing Care
      How much you're allowed to claim for care from a government-licensed nurse at your home.
      from RM500 up to RM1000per disability per policy year
    • Government Service Tax (GST)
      GST charges for medical costs that are covered by your health insurance plan.
      As Charged
    • Intraocular Lens
      Coverage limit for eye corrective surgery to treat cataracts or myopia.
      up to RM3000 with a maximum cap of RM6000 per lifetime
View more coverage details +


How much your premiums may cost

  • Business Traveller

    Abdul is a businessman in his 30's planning to get a medical plan with no deductible and RM200 Room and Board option on an annual premium mode.

    Suggested PremiumRM1546.00
    Get Quote
  • Office Admin

    Chelsea, an office worker in her early 30's, has chosen to get a medical plan with RM500 deductible and RM150 Room and Board option on an annual mode.

    Suggested PremiumRM2345.00
    Get Quote
  • Family

    Wong is looking to get a health insurance plan for him and his family, they choose to get the medical plan with RM5000 deductible option on an annual mode.

    Suggested PremiumRM4269.00
    Get Quote

Actual premium rates will be determined by Manulife Insurance Berhad (814942-M) and may vary from what is suggested based on age, sex, occupation, lifestyle habits and other factors.

How to Claim

A good medical card gives you a hassle-free admission process. Here are some tips for a smooth and cashless admission with Manulife:

  • Visit your preferred Manulife's panel hospital or one that is nearest to you
  • If you are required to be hospitalised, present your medical card to the hospital attendant

In case of reimbursement request via manual claim submission:

  • Download and fill in the claim form
  • Attach the original medical receipts and medical report as supporting documents along with the completed claim form
  • Submit them to any Manulife Branch
  • Or you could mail it directly to Manulife head office at:

Level 12, Menara Manulife

No 6, Jalan Gelenggang, Damansara Heights,

50490 Kuala Lumpur

Manulife Customer Care Hotline


Am I eligible to apply for this insurance?

Minimum Entry Age
At least 30 days of age
Maximum Entry Age
At most 70 years of age
Coverage Expiry Age
At most 99 years of age

Frequently Asked Questions about Manulife ManuHealth Elite Medical Card

Things you might want to know

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.

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