Are you worried about unexpected accidents affecting your family's financial stability? You're not alone. Many Singaporeans are looking for affordable ways to protect themselves and their loved ones. That's where Manulife ReadyProtect comes in. Let's explore how this flexible personal accident plan can give you peace of mind without breaking the bank .
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Manulife ReadyProtect is an affordable personal accident insurance plan that starts from just S$2 a week . It's designed to protect you and your family from life's unexpected events. Here's what makes it special:
Coverage from S$50,000 to S$1 million . Double payout for accidents on public transport or during school activities.
Covers medical bills, including overseas treatment. Includes Traditional Chinese Medicine and chiropractic treatment. Covers ambulance fees and mobility aids.
| Age | What suggestion covers | Premium |
|---|---|---|
| 28, Female making $4,166.667 a month | $173 | |
| 25, Female making $4,500 a month | double payout $200,000 accidental death $100,000 ambulance mobility aids $1,200 traditional chinese medicine $500 overseas medical reimbursement $4,000 accidental medical reimbursement $2,000 | $173 |
| 23, Female making $5,500 a month | accidental death $50,000 double payout public transport | $96 |
| 27, Male making $3,200 a month | $9.96 | |
| 25, Female making $3,786 a month | amr overseas $2,000 double payout add $100,000 tcm or chiropractic $250 ambulance and mobility aids $700 accidental medical reimbursement $1,000 accidental death and dismemberment $50,000 | $96 |
Manulife ReadyProtect offers five plans with different levels of coverage . Here's a simple breakdown:
| Benefit | Head Start | Accelerate | Advantage | Ultimate | Signature |
|---|---|---|---|---|---|
| Accidental Death & Dismemberment | S$50,000 | S$100,000 | S$200,000 | S$500,000 | S$1,000,000 |
| Double Payout (public transport/school) | S$100,000 | S$200,000 | S$400,000 | S$1,000,000 | S$2,000,000 |
| Medical Reimbursement | Up to S$1,000 | Up to S$2,000 | Up to S$3,000 | Up to S$4,000 | Up to S$10,000 |
| Overseas Medical Reimbursement | Up to S$2,000 | Up to S$4,000 | Up to S$6,000 | Up to S$8,000 | Up to S$20,000 |
| TCM/Chiropractic Treatment | Up to S$250 | Up to S$500 | Up to S$750 | Up to S$1,000 | Up to S$1,500 |
| Ambulance & Mobility Aids | Up to S$700 | Up to S$1,200 | Up to S$1,200 | Up to S$2,200 | Up to S$3,200 |
| Benefit | Head Start | Accelerate | Advantage | Ultimate | Signature |
|---|---|---|---|---|---|
| Income Support Benefit (weekly) | S$50 | S$100 | S$200 | S$350 | S$500 |
| Hospital Cash Benefit (daily) | S$50 | S$100 | S$150 | S$300 | S$500 |
| Child Care Benefit | S$50,000 | S$100,000 | N/A | N/A | N/A |
The cost depends on your age, occupation, and chosen plan. Here's a simple guide for the core benefits:
Annual Premium Rates (for Class 1 & 2 occupations):
Optional Benefits (annual rates):
Remember, you get a 10% discount when covering two or more family members!
Let's look at how ReadyProtect can help the Lim family:
Mr. Lim (Advantage Plan):
Total potential payout: S$430,800
Sarah (their child, Head Start Plan):
Total potential payout: S$225,000
Very affordable, starting from just S$2 a week
Flexible plans to suit different needs and budgets
Family discount of 10% when covering multiple members
Covers a wide range of accidents and situations
Includes useful benefits like TCM treatment and mobility aids
Optional benefits for income support and child care
Medical expense coverage ends at age 75
Child Care Benefit only available for lower-tier plans
Premiums may increase as you get older
Some benefits have age limits or reduced coverage as you age
You can join up to age 65, but you can renew until age 99 for most benefits.
ReadyProtect can complement your existing coverage, especially for accidents.
Premiums are not guaranteed and may be adjusted based on future claims experience.
Things like self-inflicted injuries, war, or professional sports aren't typically covered.
You can usually adjust your coverage at renewal time.
Manulife ReadyProtect offers an affordable and flexible way to protect yourself and your family from unexpected accidents . With its range of plans and optional benefits, you can tailor your coverage to fit your needs and budget. The family discount makes it even more attractive for those looking to cover multiple family members.
While it provides comprehensive accident coverage, remember that it's not a replacement for health or life insurance. It's best used as part of a broader insurance strategy to ensure you're fully protected against life's uncertainties.
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