Manulife Global Medical. Your access to worldwide cover and services for your medical needs at any time
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1 Manulife Global Medical Your access to worldwide cover and services for your medical needs at any time
2 An international presence, an individual approach Manulife Financial Corporation is a leading international financial services group providing forward-thinking solutions to help people with their most important financial matters. Our principal operations are in Asia, Canada and the United States. For more than 125 years, we have been providing customers strong, reliable, trustworthy and forward-thinking solutions for their most important financial decisions. In Singapore, we have over 35 years of experience in providing insurance, retirement, wealth management and high net worth solutions to our customers. With our wealth of experience and strong capital position, we are well-placed to support you with quality advice and customised solutions to meet your specific financial needs. This marketing material has achieved the Crystal Mark. The Crystal Mark is an internationally recognised accreditation provided by the Plain English Campaign. It recognises Manulife s ongoing efforts to provide information in a simple and easy-to-understand format; and our passion in aiming to deliver an unsurpassed customer experience.
3 A financially sound partner that s here to stay Our financial strength is reflected in our substantial Financial Strength / Claims Paying Ability Ratings: * capital base, our financial ratings awarded by S&P: AA- Moody s: A1 Fitch: AAindependent rating agencies, and our strong * Ratings for The Manufacturers Life Insurance Company asset performance. as of 14 June 2016 Established for over 125 years Global headquarters in Toronto US$736 billion in total assets worldwide (as at 30 September 2016) 20 million customers worldwide (as of end 2015) Canada U.K. Belgium China Japan U.S.A. Bermuda Vietnam Thailand Cambodia Malaysia Singapore Taiwan Hong Kong Philippines Barbados Indonesia Brazil Australia New Zealand Uruguay Asia s trusted insurer since 1897 Operating in 12 Asian markets Established in Singapore in 1980 Classified by Monetary Authority of Singapore as a significant insurer (see note 1) 281.7% Capital Adequacy Ratio (CAR) in Singapore as of June 2016, which is well above legislated requirements
4 Your access to worldwide cover and services for your medical needs at any time Manulife Global Medical is an accident and health insurance plan that offers you: Worldwide cover for staying in hospital, outpatient treatments, maternity expenses, vaccinations, dental and optical expenses; Access to our network of one million medical service providers from trusted hospitals, physicians and healthcare professionals around the world; Cashless claims settlement when you opt for no upfront bill payment (bills are paid direct to the medical providers for you) if you have to stay in hospitals (worldwide) and for outpatient claims if you see general practitioners or specialists from our panel in Singapore. You can focus on your medical treatment and get better; and A personalised health support team that takes away the hassle in arranging medical treatments in Singapore.
5 Create your global medical insurance plan It s easy to apply. You can choose your global medical insurance cover in three simple steps. STEP 1 Choose the geographical area of cover you want (worldwide including USA or worldwide excluding USA). STEP 2 Choose from three levels of plan according to your needs (Elite, Ultimate or Advantage). STEP 3 Manage your premiums with co-insurance options (see note 2) from 0% or 20%. 15 Enjoy no-claims discount of up to 15% on your renewal premiums The plan also comes with a reward as you renew your policy every year and if you have not made any claims. We will provide a discount of 5% on your next renewal premiums (up to a 15% discount if you have not made any claims during the previous policy years). However, if we have paid a claim under this policy, the premium discount will be reset to 0%. After this, you can be eligible for the discount for following years if you do not make a claim. Number of years without a claim before you renew onwards Annual premium discount on renewal premium 5% 10% 15% (Maximum discount under the policy) Claims for consultations with general practitioners (equal to or less than US$300 in the last 12 months), health check-ups (up to the annual health screening benefit limits), dental routine, presciption eyewear and eye exam will not affect your no-claims discount.
6 Worldwide cover for your medical expenses Manulife Global Medical provides you high-end medical coverage with payment of medical expenses and access to treatment anywhere in the world. Choose from three levels of cover according to your needs Choose unlimited cover or two other plans with annual claim limits. Choice of cover between worldwide including USA or worldwide excluding USA. Hospitalisation benefits Cover for expenses if you have to stay in hospital and also parental accommodation in case any child (if they are the life insured) under age 18 has to stay in hospital. Cancer treatment Covers hospitalisation and outpatient treatment, surgery and prescribed drugs, such as chemotherapy, radiotherapy, dietician expenses and other expenses directly associated with cancer treatment. Outpatient healthcare benefits General practitioners and specialist consultations. Alternative therapies provided by, for example, registered traditional Chinese medicine practitioners, chiropractors and acupuncturists. Vaccinations such as hepatitis A and B, influenza, and many others. Maternity benefits Inpatient and outpatient maternity care for routine care and pregnancy complications. Health screening Includes pap smear, prostate-cancer screening and mammograms for breast-cancer screening. Dental and optical benefits Basic restorative and periodontal treatments as well as treatment for dental injuries. Major restorative and orthodontic treatments such as dentures. Lenses needed for correcting vision. Choice to have no upfront bill payment As you focus on your medical treatment, we will take care of your bills for: Hospitalisation claims if you are treated in a panel hospital anywhere in the world; or Outpatient claims with panel general practitioners or specialists in Singapore. Note: For the exact scope of cover for each level of plan (Elite, Ultimate, Advantage), please see the benefits tables in this brochure together with the product summary and the policy contract.
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9 The global medical insurance plan delivered with a personal touch Worldwide access to over one million medical service providers, including: 89,000 behavioral care professionals; 11,400 facilities and clinics; and Exclusive ParkwayHealth advantages in Asia. Show your membership card and get treatments within the ParkwayHealth network without guarantee of payment or documents needed. In Singapore, ParkwayHealth has a network of more than 350 general practitioners and more than 750 specialists. They also own four of the leading private hospitals in Singapore Mount Elizabeth (Orchard), Mount Elizabeth (Novena), Gleneagles and Parkway East Hospital. A dedicated health support team in Singapore, who can: Make travel arrangements to and from Singapore for medical treatments; Arrange priority hospital admissions and help you to be discharged; Book medical appointments for hospitalisation and outpatient treatments; and Give you advice on finding specialists for your medical conditions. Second medical opinion We send your medical reports to another doctor overseas and they deliver a second medical opinion to you without you having to travel to get this. Provides treatment recommendations. Evacuation and repatriation If you face a medical emergency while away from home and it is difficult to find suitable treatments in that area, we will take you to the nearest suitable location or transport you to your home country if medically necessary. We also provide the transport for young family members if your medical condition leaves them at risk.
10 Coverage A whole host of benefits is available to cover you with the peace of mind you deserve. ALL BENEFITS Annual claim limit (This applies for the policy year) Unlimited US$5 million US$2.5 million HOSPITALISATION BENEFITS Annual claim limit (This applies for the policy year) Hospital Charges (include staying in a private room in both public and private hospitals) for: Nursing and accommodation for inpatient treatment; Home nursing; Intensive care; Hospice, rehabilitation and palliative care; Kidney dialysis; Day-care treatment; Operating theatre and recovery room; and Prescribed medicines, drugs and dressings for inpatient or day-case treatment. Unlimited US$5 million US$2.5 million Covered up to the annual claim limits above for staying in hospital in a private room Parental accommodation This applies for policies where the life insured is under the age of 18. We will pay reasonable costs for a parent staying in the same hospital with the child for up to 30 days in any one policy year. Surgeons and anaesthetists fee Specialist s fees This benefit is paid in full for regular visits by a specialist doctor during stays in hospital (including intensive care). Surgical procedures Radiotherapy, chemotherapy, oncology Covered up to the annual claim limits above Radiology and pathology Physiotherapy Advance medical imaging Home nursing charges This benefit will be paid up to 30 days per policy year if: It is recommended by a specialist following treatment which is covered by the policy; It is an alternative to treatment in the hospital; and It reduces the length of time for which the life insured needs to stay in hospital. We will not pay for home nursing which only provides non-medical care or personal assistance.
11 HOSPITALISATION BENEFITS Surgical appliance or medical appliance This benefit will cover expenses for any of the following: An artificial limb, prosthesis or device which is inserted during surgery; An artificial prosthesis or device which is a necessary part of the treatment immediately after surgery; A prosthesis or appliance which is medically necessary and is part of the recuperation process on a short-term basis. Organ transplant This benefit needs to be approved beforehand. HIV and AIDS Treatment or tests in connection with human immunodeficiency virus (HIV) and related illness including acquired immune deficiency syndrome (AIDS). Psychiatric and psychological care This benefit will cover expenses of treatments for psychiatric conditions, other mental-health disorders or addictive conditions for up to 180 days in any policy year. Covered up to the annual claim limits above Private ambulance We will pay this benefit for transport to or from a hospital when ordered for medical reasons. Pre and post hospitilisation treatments Pre-hospitalisation consultations and diagnostic laboratory services incurred preceding hospitalisation or day surgery. Post-hospitalisation follow-up treatments and diagnostic/laboratory services incurred after hospitalisation or day surgery. We will not pay claims under this part of this policy if the treatments form part of cancer treatment. The cover which we provide in respect of cancer treatment is explained in the cancer treatment benefit of this policy. Evacuation and repatriation Emergency medical evacuation Medical repatriation (sending you home) Sending your body or ashes home This benefit needs to be approved beforehand. CANCER TREATMENT BENEFIT Cancer treatment benefit Includes oncology, chemotherapy and radiotherapy, hair-loss treatment, dietician expenses, psychological counselling and other treatments and prescribed drugs directly associated with a cancer condition. We will pay for claims under this benefit under the hospitalisation benefit. Covered up to the annual hospitalisation claim limits above
12 OUTPATIENT HEALTHCARE BENEFITS Annual claim limit (This applies for the policy year) Unlimited US$20,000 US$7,500 Consultations with medical practitioners and specialists HIV and AIDS Treatment or tests in connection with human immunodeficiency virus (HIV) and related illness including acquired immune deficiency syndrome (AIDS). Hormone replacement therapy Non-surgical and minor surgical procedures and treatment Prescribed medicines, drugs and dressings Covered up to the annual outpatient healthcare claim limits above Adult vaccinations Emergency dental treatment We will pay this benefit for treatment received during an emergency visit within 24 hours after accidental damage to natural teeth. Chiropractic and osteopathy services Physiotherapy Advanced medical imaging Alternative therapies This benefit relates only to acupuncture, chiropody, homeopathy, and appropriate treatment received from a registered Chinese medicine practitioner, if it is medically necessary and considered a reasonable alternative for the condition being treated. Covered up to US$5,000 per policy year Covered up to US$2,500 per policy year Covered up to US$1,200 per policy year Psychiatric and psychological care Covered up to the annual outpatient healthcare claim limits above MATERNITY BENEFITS We will pay this for all females covered under the policy. We will only pay this benefit after 12 months from your policy start date. Routine inpatient Routine outpatient Complicated inpatient Includes elective and non-elective Caesarean sections. Complicated outpatient Covered up to US$10,000 per policy year Covered up to US$20,000 per policy year Not covered
13 MATERNITY BENEFITS DENTAL BENEFITS Annual claim limit (This applies for the policy year) US$3,000 US$500 Dental routine class one Investigative and preventative treatment. Benefits include: X-rays, scale and polish. Covered up to the annual dental claim limits above Covered up to the annual dental claim limits above Dental routine class two Basic restorative treatment, periodontal treatment and treatment for dental injury. Benefits include: root-canal treatment, extractions, surgical procedures, occasional treatment, anaesthetics and periodontal treatment. Dental major class three Major restorative treatment. Benefits include: dentures acrylic, synthetic and metal and metal or acrylic, crowns, inlays, mouth guard or occlusal splint (to prevent injury to the teeth, lips and gums). We will refund 80% of the costs, up to the annual dental claim limits above. We will refund 50% of the costs, up to the annual dental claim limits above. Not covered We will only pay this benefit after six months from your policy start date. Orthodontic treatment Maximum benefit for dependent children under the age of 18. Not covered We will only pay this benefit after six months from your policy start date. HEALTH-SCREENING BENEFITS This benefit will be paid for, or in connection with, routine screenings, tests and physical examinations. Covered up to a combined limit of US$1,350 per policy year Covered up to a combined limit of US$800 per policy year Not covered VISION BENEFITS Only one eye examination per policy year by an optometrist or an ophthalmologist. Costs for lenses needed to correct vision, frames for glasses and prescription sunglasses. Covered in full Covered up to US$600 per policy year Not covered
14 Product Footnotes: 1 Under MAS regulations, a significant insurer refers to any direct life insurer incorporated in Singapore with total assets of at least S$5 billion or its equivalent in any foreign currency in its Singapore Insurance. 2 Co-insurance is the amount you need to pay or share with us, and it is usually expressed as a percentage. Important Notes: Manulife Global Medical is underwritten by Manulife (Singapore) Pte. Ltd. (Registered number D). Manulife (Singapore) has appointed Cigna as the claims administrator for this plan. Terms and conditions apply for each benefit. Please see the product summary and policy contract for more details. Buying health insurance products that are unsuitable may affect your ability to finance your future healthcare needs. It is usually detrimental to replace an existing accident and health insurance policy with a new one. You may be disadvantaged as the new policy may cost more or have fewer benefits at the same cost. Premiums are not guaranteed and may be adjusted based on future claims experiences. This marketing material is not a contract of insurance and is not intended as an offer or recommendation to the purchase of the plan. The specific details applicable to this insurance plan are set out in the policy contract. This marketing material is for general information only and does not take account of your specific investment aims, financial situation or any of your particular needs. You should get advice from a financial adviser before making a commitment to buy the plan. If you decide not to get financial advice, you should consider carefully whether this plan is suitable for you. If you decide that the policy is not suitable after purchasing the policy, you may end the policy in line with the free-look condition and Manulife may ask you to pay any amount that we have paid in arranging (underwriting) the policy. This policy is protected under the Policy Owners Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of the coverage, where applicable, please contact Manulife (Singapore) Pte. Ltd. or visit the Life Insurance Association or SDIC websites ( or This marketing material is also available in Chinese and Bahasa Indonesia. If there is any difference between the English, Chinese and Bahasa Indonesia versions, the English version will apply. Information is correct as of 16 January manulife.com.sg
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