Underwritten by Manulife Insurance Berhad (814942-M)

Manulife ManuMedic

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 the unparalleled combo of ManuMedic and ManuMedic+!

    • No Lifetime Limit
    • Deductible Up To RM5000
    • Investment-Linked Policy
    • Unlimited Days Of Hospitalisation
    • Standalone Policy Or As Rider
    • Individual Or Family Policy
    • 15-Day Cancellation Refund
    • Optional Coverage Booster Up To RM2,000,000


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 RM150000 up to RM350000
  • Lifetime Limit
    Know your lifetime limit, your medical card expires if you reached this amount.
    No Limit
  • Pre-Hospitalisation Diagnostic Tests
    This covers the costs incurred for diagnostic X-ray, laboratory examination and scans.
    As Charged within 60 days before hospitalisation
  • Room & Board
    For the days that you spend in a hospital room instead of your own bed.
    from RM150 / As Charged unlimited days of hospitalisation
    • Pre-Hospitalisation Consultation
      What's covered for medical consultation prior to hospitalisation or day care.
      As Charged within 60 days before hospitalisation
    • 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 No visitation limit
    • 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 Subject to outpatient lifetime limit
    • Outpatient Cancer Treatment
      Charges covered for consultation, examination tests and prescribed drugs if you are diagnosed with cancer.
      As Charged Subject to outpatient lifetime limit
    • Outpatient Stroke Treatment
      Treatment benefit for stroke patients, not inclusive of physiotherapy and nursing care.
      As Charged Subject to outpatient lifetime limit
    • Day Surgery
      For surgical procedures that do not require you to spend the night in a hospital bed.
      As Charged Subject to outpatient lifetime limit
    • Emergency Accidental Outpatient Treatment
      Cover for emergency outpatient treatment and follow up due to an accident.
      As Charged up to RM2000 per injury
    • Ambulance Fees
      Charges for local ambulance services to and from the hospital.
      As Charged up to RM1000 per disability per policy year
    • Cash Allowance at Government Hospital
      Daily lump sum cash benefits for patients who spend the night at a government hospital.
      from RM50 up to RM100
    • 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 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
    • Intraocular Lens
      Coverage limit for eye corrective surgery to treat cataracts or myopia.
      up to RM1000 per eye and up to RM2000 per lifetime
View more coverage details +

Extra Cover with ManuMedic+

Exclusive medical card rider

Get enhanced protection with Manulife ManuMedic+, an optional add-on attachable only to ManuMedic for extra overall individual lifetime limit and double the lifetime limit for out-patient benefits.

MM As Charged & MM+ As Charged (RM)MM 250 & MM+ 250
MM 200 & MM+ 200
MM 150 & MM+ 150
Annual LimitMM350K250K200K150K
Lifetime LimitMMN/AN/AN/AN/A
MM+1.65 mil1.5 mil1.3 mil850k
Total Claimable Amount at One goUp to 2.0 mil
(350K + 1.65 mil)
Up to 1.75 mil
(250K + 1.5 mil)
Up to 1.5 mil
(200K + 1.3 mil)
Up to 1.0 mil
(150K + 850K)
Lifetime Limit for Out-patient Benefits1.4 mil
(700K + 700K)
1.0 mil
(500K + 500K)
(400K + 400K)
(300K + 300K)


How much your premiums may cost

  • Budget Planner

    Unlike others of his age, the first card that Jeremy's gonna get at the age of 17 is a medical card, not a debit card.

    Suggested PremiumRM817.26
    Get Quote
  • Young Entrepreneur

    At the age of 30, Ms. Judy is a smart consumer who is also prominent in business affairs. She would always ensure that her purchase is best value for her money.

    Suggested PremiumRM1184.02
    Get Quote
  • VIP

    Mr. Cheng who has just turned 50 will never settle for nothing short of the best especially on medical insurance.

    Suggested PremiumRM3496.94
    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 document along with the completed claim form
  • Submit them to any of Manulife branches
  • Or you could mail it directly to Manulife head office at:

Level 12, Menara Manulife

No 6, Jalan Gelenggang, Damansara Heights,

50490 Kuala Lumpur

Medical Assistance Hotline & Services
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 ManuMedic

Things you might want to know

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

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