Manulife Plan Coverage of COVID - 2019

 Benefit Types

Plans

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

ReadyProtect

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

ManuCare

Hospitalisation due to COVID – 2019 is covered.

Pre-Natal Benefit

ReadyMummy

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.