What is Manulife ManuMedic all about?
There’s a lot of uncertainty around inflation, prices hikes and the Malaysian Ringgit these days. But what’s more worrying than just that?
If hospital bills are a big concern, fret not. Cause’ you may have 99 problems but with Manulife ManuMedic, your hospital bills ain’t one of them.
On top of cashless admission to the hospital, you’ll also get coverage on hospitalisation fees, medical benefits for inpatient and outpatient treatment, and much more! To find out more, you can always refer to the benefit details under the coverage section above.
You never know that little benign-looking red bump on your leg could actually cause you dengue fever. Worry no more, this medical insurance also covers your outpatient dengue treatment expenses up to your plan's outpatient lifetime limit!
What else is offered with this medical card?
Two is always better than one, which is why Manulife helps you reach the extra mile on your medical insurance coverage with ManuMedic+. This rider can be attached to ManuMedic policy so you can enjoy enhanced coverage up to RM2,000,000 in total throughout a year.
Can anyone apply?
Unfortunately this product is only offered to customers in selected areas. So, if you live in Kuala Lumpur or Selangor, Malacca, and Johor then you are more than eligible for this product.
State aside any, person aged between 30 days to 70 years old can apply for ManuMedic by Manulife. You can also extend your policy to cover your family members which includes 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.
What are the key highlights of Manulife ManuMedic?
Have you heard of Co-insurance? It is the practice of splitting the medical costs between you and your insurance company – sounds like a bad idea?
Lucky for you, none of the health benefits offered by ManuMedic have co-insurance. However if you upgrade your Room and Board beyond your entitled daily rate, you'll be subject to 10% of the total expenses at a minimum of RM300 up to a maximum amount of RM1500.
You can also protect yourself from future increases in Room and Board costs with the ManuMedic As Charged plan, and Manulife will take care of all the costs that you’re covered for under your policy. Keep in mind that As Charged Room and Board is limited up to the basic 2 categories of Single-Bedded Room.
Is ManuMedic only available as an individual plan?
There’s more to ManuMedic than meets the eye! You may purchase this medical card as a standalone policy or attach it to a life or investment-linked Manulife policy as an add-on.
As mentioned above, you can also protect your loved ones by signing up for insured and spouse”, "insured and children" or “insured and family under a single policy.
Is this a guaranteed renewal policy?
Definitely! You can renew Manulife ManuMedic 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 are increased you’ll get 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?
With ManuMedic you’ll be covered at every corner of the world for emergency medical assistance and hospitalisation. Bear in mind that overseas coverage will not be applicable if you reside abroad for more than 90 consecutive days