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Manulife ReadyProtect: Affordable Protection for You and Your Family
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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What is Manulife ReadyProtect?
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:
- Flexible Protection: Choose from five different levels to fit your needs and budget.
- Family Discount: Get a 10% discount when you cover two or more family members.
- Wide Age Range: Available from 15 days old to 65 years old.
- Long-lasting Coverage: Protects you until age 99 for most benefits.
Key Features of Manulife ReadyProtect
Accidental Death & Dismemberment Benefit
Coverage from S$50,000 to S$1 million . Double payout for accidents on public transport or during school activities.
Medical Expenses Benefit
Covers medical bills, including overseas treatment. Includes Traditional Chinese Medicine and chiropractic treatment. Covers ambulance fees and mobility aids.
Optional Benefits
- Income Support Benefit: Provides weekly income if you can't work due to an accident
- Hospital Cash Benefit: Gives daily cash if you're hospitalized due to an accident
- Child Care Benefit: Supports your child's education if you pass away in an accident
Real premiums suggested for Manulife ReadyProtect
28, Female making $4,166.667 a month
Coverage:
Premium:
$173
Read More25, Female making $4,500 a month
Coverage:
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
Premium:
$173
Read More23, Female making $5,500 a month
Coverage:
accidental death
$50,000
double payout public transport
Premium:
$96
Read More27, Male making $3,200 a month
Coverage:
Premium:
$9.96
Read More25, Female making $3,786 a month
Coverage:
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
Premium:
$96
Read More| 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 |
What Does It Cover?
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 |
Optional Benefits
| 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 |
How Much Does It Cost?
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):
- Age 15 days to 55 years: S$96
- Age 56 to 65 years: S$144
Optional Benefits (annual rates):
- Income Support Benefit: S$42 (age 15 days to 55) / S$63 (age 56 to 65)
- Hospital Cash Benefit: S$20 (age 15 days to 55) / S$30 (age 56 to 65)
- Child Care Benefit: S$108 (available until age 16)
Remember, you get a 10% discount when covering two or more family members!
Real-Life Example
Let's look at how ReadyProtect can help the Lim family:
Mr. Lim (Advantage Plan):
- If he loses sight in one eye due to an accident, he'll receive S$200,000.
- If he can't work for 104 weeks, he'll get S$20,800 in income support.
- He'll also receive S$200,000 disability support over 10 years and up to S$10,000 for home modifications.
Total potential payout: S$430,800
Sarah (their child, Head Start Plan):
- If she loses use of one limb during a school activity, she'll receive S$125,000.
- The Child Care Benefit ensures her education is supported if her parents pass away in an accident.
Total potential payout: S$225,000
Pros and Cons
Pros
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
Cons
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
Frequently Asked Questions
Can I join if I'm over 65?
You can join up to age 65, but you can renew until age 99 for most benefits.
What if I already have other insurance?
ReadyProtect can complement your existing coverage, especially for accidents.
Are the premiums fixed?
Premiums are not guaranteed and may be adjusted based on future claims experience.
What's not covered?
Things like self-inflicted injuries, war, or professional sports aren't typically covered.
Can I change my plan later?
You can usually adjust your coverage at renewal time.
Wrapping It Up
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.
Ready to take the next step? Don't rely on just one opinion. Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on personal accident insurance. These professionals will review your needs and provide personalised recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for you and your family. Don't leave your protection to chance – get the expert advice you deserve today.
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Why people were suggested Manulife ReadyProtect
Dae, 28
GenderFemale
Monthly Income$4,166.667
Insurance Types Suggested
- Critical Illness
- Term Life
- Hospital
- Personal Accident
Why MANULIFE READYPROTECT ACCELERATE was suggested:
The MANULIFE READYPROTECT ACCELERATE is a personal accident plan that provides additional protection in case of accidents. It offers optional income support and hospital cash benefits, which can provide financial support if the prospect is unable to work due to an accident.
Ariel, 25
GenderFemale
Monthly Income$4,500
Insurance Types Suggested
- Hospital
- Endowment
- Whole Life
- Critical Illness
- Investment Linked Plan
- Personal Accident
Why Manulife Ready Protect was suggested:
The Manulife Ready Protect personal accident plan is recommended to provide Ariel with additional protection against accidental death, dismemberment, and medical expenses. The double payout benefit for accidents in public transport or during school activities is particularly relevant for a young professional like Ariel.
shiqi, 23
GenderFemale
Monthly Income$5,500
Insurance Types Suggested
- Hospital
- Personal Accident
- Critical Illness
- Disability
- Whole Life
Why Manulife ReadyProtect was suggested:
At just $96 per year, this personal accident plan provides affordable coverage of $50,000 for accidental death, along with useful benefits like double payout for accidents on public transport. This offers basic protection against unforeseen accidents for the prospect.