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10 February 2020

Manulife Plan Coverage of COVID - 2019

In light of the evolving COVID - 2019 situation, you may be concerned on whether your Manulife Plans covers COVID - 2019. While the situation remains uncertain and fluid, rest assured that we remain watchful and are keeping close tabs on the evolving situation. We will provide you with further updates as required so you are kept informed in a timely manner.


We hope the information below would be useful.


 Benefit Types


COVID - 2019  coverage


Death, Terminal Illness and /or Total Permanent  Disability Benefit


Life/Savings/Investment-Linked Policy/Universal Life plans that provides Death, Terminal Illness and/or Total Permanent  Disability Benefit


Examples of Manulife plans:

·       LifeReady Plus

·       ManuProtect Term

·       RetireReady Plus

·       Signature Series

·       ManuInvest Duo

·       InvestReady Wealth (II)


Death, Terminal Illness and Total Permanent Disability due to COVID - 2019 are covered.


If COVID - 2019 leads to Terminal Illness and Total Permanent Disability definition being fulfilled, benefit will be paid.


Critical Illness Benefit


Critical Illness Plans/Riders that provides Early, Intermediate or Major Stage Critical Illness


Examples of Manulife plans:

·       ReadyComplete Care

·       Critical Care Rider

·       Early Critical Care Rider

·       Critical SelectCare


COVID – 2019 is not one of the Critical Illness conditions covered.


However, if COVID – 2019 leads to one of the covered Critical Illnesses being fulfilled, benefit will be paid.


If the Critical Illness Plan/Rider has Death Benefit, death due to COVID – 2019 is covered.


Accident Benefit



Ready Protect Lite



COVID – 2019 is not covered as this plan provides coverage for accidents / injuries and COVID – 2019 is not explicitly stated in the list of ‘Infectious Diseases’.


Hospitalisation Benefit




Hospitalisation due to COVID – 2019 is covered.


Pre-Natal Benefit




Death due to COVID – 2019 is covered.


COVID – 2019 causing hospitalisation is not one of the covered events under Hospital Care Benefit in ReadyMummy.  However, if COVID – 2019 leads to insured child being admitted into Intensive Care Units/ High Dependency Units, and the criteria is being fulfilled, Child Hospital Care benefit will be paid.


All benefit claims are subject to terms & conditions applicable to the policy purchased.

If you need any further assistance, please contact us at (+65) 6833 8188. 


About Manulife

Manulife Financial Corporation is a leading international financial services group that helps people make their decisions easier and lives better. We operate primarily as John Hancock in the United States and Manulife elsewhere. We provide financial advice, insurance, as well as wealth and asset management solutions for individuals, groups and institutions. At the end of 2018, we had more than 34,000 employees, over 82,000 agents, and thousands of distribution partners, serving almost 28 million customers. As of March 31, 2019, we had over $1.1 trillion (US$849 billion) in assets under management and administration, and in the previous 12 months we made $29.4 billion in payments to our customers. Our principal operations in Asia, Canada and the United States are where we have served customers for more than 100 years. With our global headquarters in Toronto, Canada, we trade as 'MFC' on the Toronto, New York, and the Philippine stock exchanges and under '945' in Hong Kong.


Media Contact

Sheryl Alexis Koh