Health Protect: employee critical illness insurance
Provide extra health coverage and financial benefits for your employees with a health insurance plan.
What is Health Protect?
Health Protect is a critical illness insurance plan for employees, providing coverage for serious conditions like cancer, heart attack, and stroke. It’s designed to ease the financial burden on employees during recovery, offering essential medical insurance for employees.
This employee critical illness insurance helps businesses protect their workforce and attract top talent by offering reliable benefits. With flexible plans, including employee cancer insurance, Health Protect can be tailored to meet the needs of any organization, whether for small businesses or large enterprises.
Key benefits and features of Health Protect
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Guaranteed financial assistance Employee will receive up to PhP 5M* lump sum amount when diagnosed with a critical illness.
*Applies to Manulife Health Protect and up to PhP 6M for the New Critical Illness Rider
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Health insurance protection The employee will receive health protection coverage from critical illnesses such as cancer, heart attack, stroke and 57 other critical illnesses.
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Hassle-free application Take advantage of the No Evidence Limit offer (NEL), which means no medical check-ups are required.
What does Health Protect cover?
Health Protect provides essential employee critical illness insurance coverage for a variety of serious conditions, offering protection for your employees when they need it most. With critical illness coverage for employees, Health Protect helps your workforce focus on recovery, without the added financial stress.
Here’s a breakdown of what Health Protect covers:
Coverage type |
Description |
| Cancer | Covers the treatment and care for various types of cancer, ensuring employee cancer insurance protection. |
| Heart attack | Provides financial support for employees recovering from a heart attack, including medical treatment and hospitalization. |
| Stroke | Financial protection for recovery from a stroke, including ongoing medical care and rehabilitation. |
| Kidney failure | Coverage for employees facing kidney failure, including dialysis and necessary treatments. |
| Major organ transplants | Protection for employees undergoing organ transplants, including the procedure and related medical expenses. |
| Coronary artery disease | Coverage for treatment of coronary artery disease, including surgeries and medical interventions. |
| Critical illness recovery | Provides support for the continued recovery process after a critical illness, including rehabilitation and care. |
Who is eligible for this program?
Health Protect is available to various employer-employee groups. The eligibility criteria are as follows:
Employer-employee groups: Eligible for both Manulife Health Protect and the New Critical Illness Rider.
Professional associations: Eligibility is assessed on a case-by-case basis.
Labor unions: Also evaluated on a case-by-case basis for the New Critical Illness Rider.
Eligibility for these programs will be determined based on the specific needs and requirements of each group.
How does the claim process work?
The Health Protect claim process is designed to be straightforward and efficient, ensuring that your employees receive the support they need as quickly as possible. Here’s how it works:
1. Notify Manulife: The employee or their representative must inform Manulife about the diagnosis of a covered critical illness.
2. Submit required documents: Submit the necessary medical records and documentation, including the doctor’s diagnosis and any other required forms.
3. Claim evaluation: Manulife will review the submitted documents to assess eligibility and ensure the claim meets the program’s criteria.
4. Approval and payment: Once the claim is approved, payment will be processed according to the terms of the policy.
5. Ongoing support: If needed, Manulife will provide additional assistance and resources to help during the recovery period.
For more detailed information, you can visit our claims page to start the process or track an existing claim.
Frequently asked questions
Critical illness coverage typically includes life-threatening conditions such as cancer, heart attack, stroke, kidney failure, and major organ transplants. These illnesses are specifically outlined in the policy and covered under employee critical illness insurance.
No, employee critical illness insurance only covers the insured employee. Family members would require separate coverage under a different plan or rider.
Pre-existing conditions may not be covered immediately under employee critical illness insurance. Coverage for such conditions depends on the specific policy terms and waiting periods. It’s important to check the policy for exclusions related to pre-existing conditions.
In most cases, employee critical illness insurance is tied to employment. If you leave your job, the coverage typically ends. However, some plans offer options to convert to an individual policy. Check with Manulife for available options.
Generally, employee critical illness insurance does not require a medical exam for enrollment. Coverage is usually offered as part of an employee benefits package, though individual eligibility may vary.
To inquire about group health insurance, you may contact Manulife to discuss your organization’s requirements. A Manulife representative can provide information on available plans and prepare a proposal based on your group profile. Coverage availability is subject to underwriting, plan terms, and regulatory requirements.
Want to learn more about Manulife Group Health Protect?
Talk to a financial advisor today!