Product Update: ManuMedic by Manulife

Removal of Upgraded Room and Board Co-Payment

Manulife Mar 05, 2018 1340


1. What does the removal of Upgraded Room and Board Co-Payment clause means to policyholders?

With the removal of this clause, if the Covered Member is confined to hospital at a Room and Board rate that is higher than the plan purchased, the Covered Member shall only need to pay the difference in Room and Board rates incurred. Apart from that, all other existing benefits enjoyed by the Covered Member shall remain unchanged.

2. What is Upgraded Room and Board Co-Payment?

A co-payment shall apply when the Covered Member is confined to hospital at a Room and Board rate that is higher than the plan purchased. The Co-Payment is borne by Policy Owner and is equal to 10% of the total Eligible Expenses, subject to a minimum of RM300 and maximum of RM1,500.

Eligible Expenses means, in relation to the benefits stated in the Benefit Schedule to which the Co-Payment amount applies (if any) to any of the following actual expenses incurred for the following items:

a. Hospital Intensive Care
b. Additional Daily Room and Board whilst Overseas
c. Hospital Miscellaneous Services
d. Surgical Benefit
e. Anaesthetist’s Benefit
f. Operation Theatre Benefit
g. Attending Physician’s Benefit
h. Pre-Hospitalisation Benefit
i. Post-Hospitalisation Benefit

3. Which product will be entitled to this enhancement?

The removal of Upgraded Room and Board Co-Payment clause is only applicable for the following products:
a. ManuMedic
b. ManuMedic+
c. ManuMedic Link
d. ManuMedic Link+

How FSM INSURANCE can help you get on track

Here at FSM INSURANCE, we help to make your coverage more affordable with our 30% cost-savings. Email us at for more information.




Protect yourself and your loved ones now and enjoy savings at FSM INSURANCE!

You may be interested in:

You Might be in Massive Trouble, Without These 3 Insurance Policies

Are Financial Disasters Your Thing? Here's 4 Mistakes You Must Avoid

At Least 4 Things To Know About Critical Illness Insurance

Infographic: Understanding Heart Attack


All materials and contents found in this Site are strictly for information purposes only and should not be considered as an offer, or solicitation, to deal in any of the funds or products found in this Site. While iFAST Capital Sdn. Bhd. (“IFCSB”) has tried to provide accurate and timely information, there may be inadvertent delays, omissions, technical or factual inaccuracies and typographical errors. Any opinion or estimate contained in this Site is made on a general basis and does not take into account the specific objective, financial situation or particular need of any specific person or group of persons. You should consider carefully if the products you are going to purchase into are suitable for your financial goals and objectives, risk tolerance and other personal circumstances. You should also consider the fees and charges involved. If you are uncertain about the suitability of the insurance product, please seek advice from a financial adviser representative, before making a decision to purchase the insurance product. Opinions expressed herein are subject to change without notice. Please read our disclaimer in the website.