Terms and Conditions for the ManulifeMOVE Rewards Programme

Please read these terms and conditions (“Terms”) before participating in the ManulifeMOVE Rewards Programme (“Programme”). Your participation in the Programme means you unreservedly accept the following Terms. Manulife (Singapore) Pte. Ltd.

(“We/Us/Manulife”) may vary these Terms without any notice to you. 

A. Service

This behavioural insurance Programme is a programme designed to motivate a healthy lifestyle. In order for this Programme to be effective, it will be necessary for us to collect, use and share certain data about you. You may be asked to enter various health, fitness, nutritional, and/or other relevant data, including but not limited to health metrics, fitness activities, sleep, heart rate, weight, height, steps and calories burned (“Data”).

The MOVE health score provides you with a score based on the Data you provide. The health score generated is for information purposes only and is not intended to substitute the expertise and/or judgment of any healthcare professional. This score does not make any medical diagnosis nor does it provide treatment to any medical conditions. In case of any specific questions regarding the treatment and/or care of a medical condition, please contact your healthcare professional.

You confirm that the Data provided during the Programme is accurate and true to the best of your knowledge, belief and ability.

B. Usage of Service

Manulife shall exclusively own the Data and use it for the following purposes:

• to process, administer, implement and effect the requests, transactions or participation in the Programme. These include but are not limited to rewards calculation, in-app display and alerts to help you keep on track with activities in the Programme;
• to design new experiences and enhance existing products to be provided by Manulife and its partners under the Programme;
• to develop ideas, concepts and/or campaigns relating to this Programme that is contained in any communication you send to us via this application

C. Eligibility Conditions

You will be eligible to participate in the Programme if:

• you are the primary life insured of at least one Manulife policy (“Eligible Policy”) issued which is either:
  • a regular premium policy with a minimum annual premium of SGD/USD 3,000; or
  • an Heirloom, or a Signature Series single premium policy
• you were the primary life insured of the Eligible Policy when it first commenced;
• you are/were at least 18 years of age at the inception of the Eligible Policy;
• your mobile number was provided when the Eligible Policy was purchased (as part of the application process);or
• the free-look period of the Eligible Policy has ended.

D. Programme Membership Activation

To activate your Programme membership, you need to:

1. Download the ManulifeMOVE mobile application via the App Store or Google Play Store,
2. Create an account with a valid email address,
3. Verify the email address via a one-time PIN that will be sent to your email address,
4. Enter your NRIC/FIN/Passport details and date of birth when prompted.
5. Connect a tracker* to the ManulifeMOVE application

*ManulifeMOVE supports iOS (iPhones), Apple Watch, Android (Samsung Health, Google Fit), Fitbit, Garmin.

For the avoidance of doubt, participants are only allowed to create 1 membership account. Manulife reserves the right to suspend and/or terminate the account(s) of such participant who holds more than 1 membership.   

E. Rewards

Every 182 days from the date of activation of your Programme membership (“MOVE Period”), you can earn premium cashback of:

SGD 50, if you accumulate 10,000 average daily steps over the MOVE Period; or

SGD 25, if you accumulate 7,000 average daily steps over the MOVE Period.

You will be notified via your ManulifeMOVE mobile application if you qualify for the above premium cashback.

Note: If you are unsure about whether the Programme is appropriate for your health needs and condition, please consult your physician or other healthcare professionals before/during the Programme.

F. Payment of Rewards

The premium cashback will be paid to the policyowner of the Eligible Policy, via a cheque issued by a Singapore local bank, which will be mailed to the residential address of the Eligible Policy’s policyowner.

It is your responsibility to ensure that the address is correct at the point of Eligible Policy application and thereafter.

If the Eligible Policy’s policyowner (or the assignor of an assigned Eligible Policy) is a corporate entity, the premium cashback will instead be payable to Eligible Policy’s primary life insured.

The payment methods of the premium cashback may be amended from time to time, without prior notification to you.

G. Membership Suspension and Termination

(1) Failure to meet eligibility

Your membership will be suspended for 182 calendar days if you fail to meet any or all eligibility conditions at any point during your membership.

Your membership will be reinstated once you are able to meet all the eligibility conditions within 182 calendar days from when your membership was suspended. The steps accumulated during the suspension period will only be accounted for once the membership is reinstated.

Note that there will be no payment of rewards during the suspension period.

There will also be no payment of rewards missed during the suspension period even upon reinstatement.

If you are unable to meet all the eligibility conditions within the 182 calendar days suspension period, your membership will be terminated.

After termination, if you are again able to meet all the eligibility conditions, you may be offered a new membership, subject to the Terms of the Programme at that point.

(2) Voluntary termination

You may also choose to terminate your Programme membership at any point by notifying us via email at MOVESG@manulife.com.

H. Other Conditions

Inactivity of ManulifeMOVE Health score feature

Your ManulifeMove Health Score feature (the “Feature”) will be deactivated in the event that you do not utilise the Feature within 120 days. You will receive an in-application and email notification on the impending deactivation, and you may follow the steps reflected in the application should you wish to continue utilising the Feature. In the event where no action is taken, this Feature shall be deactivated without further reference to you. 

For the avoidance of doubt, please note that all points and/or rewards accumulated prior to the deactivation of the Feature will not be replaced if your Feature is terminated due to inactivity.

In the event of the deletion/termination of your Programme membership, all data including but not limited to your profile, steps history, rewards and challenges shall be removed from the Mobile App and Manulife’s database.

These Terms are accurate as at the date below. These Terms will be updated if there are any changes to this Programme without prior notification to you.

Please refer to www.manulifemove.sg  for the latest Terms of this Programme. You confirm that you have read and agreed to the latest Terms at all points of time during your Programme membership.

By participating in the Programme, you consent to being contacted for feedback regarding the Programme and/or related activities.

Manulife reserves the right to abolish, grant, refuse, terminate or amend the membership of any user or the Programme at any point of time, for any reason whatsoever. All decisions made are final.

A person who is not a party of these Terms has no right under the Contracts (Rights of Third Parties) Act 2001 to enforce any the terms mentioned herein.

These Terms will be governed by the laws of the Republic of Singapore and the parties agree to submit to the exclusive jurisdiction of the courts in the Republic of Singapore.

For any other information or assistance you may email Us at MOVESG@manulife.com.

In addition to these Terms, any personal information submitted to us using the ManulifeMove application will be subject to our Statement of Personal Data Protection.

Disclaimer: The information and material mentioned herein are provided on an “as is” and “as available” basis and no warranty as to the accuracy, adequacy, completeness or reasonableness of the information and material mentioned herein is deemed to be made by Manulife and/or its holding company and/or its subsidiaries. Whilst Manulife, endeavors to ensure that the contents of the material are accurate, errors or omissions may occur and Manulife expressly disclaims liability for any errors or omissions in or from such information and materials.

Date last updated: 4 April 2023