Manulife ReadyProtect Personal Accident
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Summary
Manulife ReadyProtect Personal Accident Insurance Review 2024
Manulife ReadyProtect is an affordable personal accident insurance which offers coverage from as little as S$2 a week.
The plan offers 5 different tiers of coverage ranging from the most basic (Head Start) to premium (Signature).
The accidental death and dismemberment payout ranges from S$50,000 (Head Start) to S$1,00,000 (Signature).
In terms of medical expenses, you will be covered for:
- accidental medical reimbursement (both locally and while overseas)
- alternative treatments like Traditional Chinese Medicine or chiropractic treatment
- ambulance fees and mobility aids
You'll also get coverage for up to 21 infectious diseases, terrorism, and even during full-time National Service and reservist training.
On top of this, you can also choose to opt in for
- income support benefit
- hospital cash benefit
- child care benefit
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Summary
Manulife ReadyProtect Personal Accident Insurance Review 2024
Manulife ReadyProtect is an affordable personal accident insurance which offers coverage from as little as S$2 a week.
The plan offers 5 different tiers of coverage ranging from the most basic (Head Start) to premium (Signature).
The accidental death and dismemberment payout ranges from S$50,000 (Head Start) to S$1,00,000 (Signature).
In terms of medical expenses, you will be covered for:
- accidental medical reimbursement (both locally and while overseas)
- alternative treatments like Traditional Chinese Medicine or chiropractic treatment
- ambulance fees and mobility aids
You'll also get coverage for up to 21 infectious diseases, terrorism, and even during full-time National Service and reservist training.
On top of this, you can also choose to opt in for
- income support benefit
- hospital cash benefit
- child care benefit
Plans (5)
ReadyProtect Signature
$1,000,000
ACCIDENTAL DEATH
$500 / week
TEMPORARY DISABILITY
Up to $10,000
MEDICAL BENEFITS
$1500
TCM & CHIROPRACTOR
4.7
69 Reviews
Service Rating
Ease of Claim
Agent Reliability
Application Process
High to Low
Posted 25 Dec 2024
Purchased
ReadyProtect Signature
AVOID THIS COMPANY If you are looking for an accident plan, you can go ahead and skip Manulife! Trust me. If you buy this plan, you will regret it when you want to claim. Here is my reviews: Timeline are as follows: 8/9/2024:Suffered an injury. 9/9/2024: Visited the specialist and submitted the claim to Manulife. 4/10/2024: Manulife took close to 1 month to get back to me for my claims and mailed me a letter to request for a list of documents. There is no SMS,Email or calls from them to inform me. They have to mail hardcopy to me. 5/11/2024: I have submitted the documents that they requested via email. 8/12/2024: Manulife took more than 1 month to get back to me and sent me a questionnaire to request for more information. They dont even have a portal for you to check the claim status. haha I gave up and asked for a refund of my premium. They agreed to give me a full refund. From my experience, you can tell that they are not serious in providing any coverage. Once you submit a claim, they will squeeze their brains and try to delay your claim or dont pay you at all.0
What are your thoughts?Posted 21 Jun 2024
Purchased
ReadyProtect Signature
Manulife ReadyProtect is a budget-friendly personal accident insurance starting at just S$2 weekly. With 5 tiers of coverage, from basic to premium, it ensures flexibility to match individual needs. Payouts up to S$1,00,000 for accidental death and dismemberment provide comprehensive protection at an affordable rate. Ideal for those seeking peace of mind without breaking the bank.0
What are your thoughts?Posted 24 May 2024
Purchased
ReadyProtect Head Start
The claiming process for my claim was quite smooth, agents are professional. The rates are good. Happy with premium.0
What are your thoughts?Posted 07 Mar 2024
Purchased
ReadyProtect Signature
claiming process easy hassle-free. good value given the premium amount to be paid and the coverage recommended!0
What are your thoughts?Posted 25 Jul 2023
Purchased
ReadyProtect Signature
The peace of mind that comes with knowing I am protected in the event of an accident is invaluable. The accidental death and dismemberment payout options, ranging from S$50,000 to S$1,00,000, provide a sense of security for my loved ones.0
What are your thoughts?Posted 23 Oct 2022
Purchased
ReadyProtect Signature
Plan is comprehensive and claims is easy to get. Highly reccomended. Would reccomend it to others. Kudos1
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28 Jul 2020
Purchased
ReadyProtect Signature
[Claims Process] Claim process was online and was hastle free. was able to submit the documents and the settlement was quite fast. [Agent Responsiveness] Was able to get timely response from my agent with regards to the claim process.0
What are your thoughts?22 Jul 2020
Purchased
ReadyProtect Head Start
[Insurance Coverage] It covers the recent dengue virus. [Claims Process] Submission is easy. The policy accepts claim for TCM treatment which many of us will go to when we injured ourselves. [Agent Responsiveness] Very helpful and responsive when I wrote to her for assistance.0
What are your thoughts?22 Jul 2020
Purchased
ReadyProtect Head Start
[Claims Process] It was smooth and fast. I pay for 5 personal accident plan. My dad, my mum, myself, my elder child in primary school and my toddler. We have claimed for food poisoning, dental injury. [Insurance Coverage] I do understand that the coverage amount are lesser compared to other insurance providers. But do note that the monthly premiums are lower so more affordable That is why I am able to commit and pay for 5 personal accident plan. Manulife also offer a family discount plan. [Claims Document] Must always remember to get doctor to write a memo. This is the troublesome part.0
What are your thoughts?22 Jul 2020
Purchased
ReadyProtect Accelerate
[Agent Responsiveness] Agent is extremely knowledgable and I can always count on her to provide me with the best advice on which plans to get. She takes into account one's needs and financial status before advising which plan they should get. Attention to detail at its best.1
What are your thoughts?I can choose from five levels of protection according to my family’s needs
Cover against 21 infectious diseases, for example, Zika virus, Hand, foot and mouth disease.Enjoy a 10% family purchase discount when covering two or more family members. Agent is knowledgable.Reply
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Manulife ReadyProtect Coverage Summary
Manulife ReadyProtect offers 5 different plans for personal accident coverage:
- Head Start
- Accelerate
- Advantage
- Ultimate
- Signature
Plans | Accidental Death and Dismemberment | Accidental medical reimbursement (AMR) | Traditional Chinese Medicine or chiropractic treatment | Ambulance fees and mobility aids |
|---|---|---|---|---|
Head Start | S$50,000 | Up to S$1,000 | Up to S$250 | Up to S$700 |
Accelerate | S$100,000 | Up to S$2,000 | Up to S$500 | Up to S$1,200 |
Advantage | S$200,000 | Up to S$3,000 | Up to S$750 | Up to S$1,200 |
Ultimate | S$500,000 | Up to S$4,000 | Up to S$1,000 | Up to S$2,200 |
Signature | S$1,000,000 | Up to S$10,000 | Up to S$1,500 | Up to S$3,200 |
How to Claim Manulife Personal Accident Insurance?
It's pretty straightforward!
You can submit your claims online via Manulife's eClaims service.
Just remember to prepare the following documents beforehand:
- Policy owner's completed Personal Accident Claim Form
- Final medical bill(s)
- Hospital Discharge Summary
- Doctor's memo, medical report, or Attending Physician’s Statement (APS) to support the diagnosis
- Police Report if any
- Original receipts are not required for a claimable amount of S$500 and below per accident.
Other things to note:
- If MediSave or MediShield Life is involved, the deduction must be finalised and you must provide the statement from CPF Board showing the deductions
- For bills or receipts from Traditional Chinese Medicine (TCM) or Chiropractic clinics, please ensure that the practitioner's name is indicated clearly on the bills or receipts
Who can Apply for Manulife ReadyProtect Personal Accident Insurance?
You can buy ReadyProtect from as young as 15 days to 65 years.
The core benefits will cover you till you reach 99 years old.
And it'll cover your medical expenses till you're 75 years old.
Contact Manulife Insurance
If you need to contact Manulife Singapore, you can:
- Contact the Client Service Team at +65 6833 8188
- Email the Client Service Team at [email protected]
- Visit the Manulife Client Service Centre at 8 Cross Street #01-01A Manulife Tower Singapore 048424
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Thanks for sharing.