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Protecting What Matters Most

When you're young and healthy, it's easy to believe you are 'immune' to life's uncertainties. However, according to a Life Insurance Association Singapore (LIA) study1 done in 2022, Singaporeans have a 21% mortality protection gap and a 74% Critical Illness (CI) protection gap. This gap indicates a crucial shortfall in insurance coverage and potential financial vulnerability that can lead to sizable financial burden and major lifestyle changes in the situations of CI, disability and/or death, if you are unprepared.

How much Life and Health Insurance should you have?

The amount of coverage you need depends on your financial goals and needs. LIA recommends 9x annual income for mortality coverage and approximately 4x annual income for adequate CI insurance coverage, assuming the insured recovers in five years before returning to the workforce1. Find out how much coverage is needed for each life stage as shown in examples below.

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Manulife's Health and Life Insurance Safeguard Your Family

Critical Illness insurance for your family

Manulife CI FlexiCare

  • Covers up to 126 critical illnesses (CI) conditions across early, intermediate and advanced stages.
  • Get one-time payout of 200%  of basic sum insured2 upon diagnosis of Advanced Stage CI.
  • Receive coverage up to 4 times for another CI condition3 and 2 times for recurring advanced stage condition4 with CoverMeAgain Booster rider.

Learn more

Personal Accident insurance for your family

Whole Life insurance for your family

Term Life insurance for your family

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    Need more information? Discover insights to help you make informed decisions on Health and Life Insurance.

    Terms and conditions apply, please refer to the respective Product Summaries and Policy Contracts for specific definitions.


    1. LIA 2022 Protection Gap Study on the Economically Active (EA) mortality and critical illness protection gap:

    2. Basic sum insured refers to the sum insured amount selected at policy inception for the basic policy that is used to compute the benefits of the policy.

    3. 100% of basic sum insured will be payable upon diagnosis of a critical illness after 12 claim-free months from the last critical illness claim, subject to:

        (a) a maximum of 4 claims, and

        (b) the new diagnosed condition not having been claimed under the basic policy.

    4. 100% of basic sum insured will be payable upon diagnosis of a recurring/relapse condition after 24 claim-free months from the last critical illness claim, subject to a maximum of 2 claims.

    5. The premium is based on Manulife ReadyProtect Head Start plan, class 1 occupation for a life insured age 55 and below, paying annual premium.

    6. Option is only available after the enhanced protection expires at age 70 or 80, and can only be exercised once. Annual payout will result in coverage reduction and lower cash value when the policy matures. Please refer to the product summary for more details.

    7. Premiums will be based on the life insured’s age at point of renewal. Not available for Level and Convertible.


    Important notes

    These insurance products are underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D). This advertisement has not been reviewed by the Monetary Authority of Singapore.  Buying a life insurance policy is a long-term commitment. There may be high costs involved if you terminate the policy early, and your policy's surrender value (if any) may be zero or less than the total premiums paid. Term policy has no cash value. Buying health insurance products that are unsuitable for you may affect your ability to finance your future healthcare needs. Premiums are not guaranteed and may be adjusted based on future claims experience. Manulife reserves the right to vary premiums at any time by giving 30 days’ written notice to the policyowner before doing so.

    This website is for your information only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. You can find the full terms and conditions, details, and exclusions for the mentioned insurance product(s) in the policy contract. If there are any differences between the English and Chinese versions of this website, the English version will apply.

    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 coverage, where applicable, please contact us or visit the LIA or SDIC websites ( or

    We recommend that you seek advice from a Manulife Financial Consultant or our Appointed Distributors before making a commitment to purchase a policy.

    Information is correct as of 19 Feb 2024.