Student Protect: group insurance for students
An all-inclusive student benefit plan that helps protect your school and your students from financial worries brought about by life’s uncertainties.
What is Manulife Student Protect?
Manulife’s Student Protect is a group insurance for students designed for schools and educational institutions. It provides life and accident protection for enrolled students under a single group policy. The plan helps institutions manage financial risks while supporting student safety and well-being.
This student insurance plan also includes free coverage for eligible teachers and staff based on the number of covered students. With simple eligibility rules and affordable premiums, Student Protect offers a practical insurance solution for educational institutions in the Philippines.
Plan key features and benefits
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Basic life We will provide your students with insurance protection, anytime, anywhere.
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Comprehensive accident protection (ADD&D) In case of accidental dismemberment or disablement, your students will receive cash benefits. Or, in case of student's demise due to an accident, beneficiaries will receive additional lump sum benefit on top of the basic life insurance.
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Accidental medical reimbursement (AMR) The student may reimburse medical expenses for treatment and care of any injury caused by accident. The injury must occur within thirty days from the date of the accident.
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Coverage for teachers Your school will receive free insurance coverage for your teachers and/or staff. One free insurance coverage for every 30 covered students. This is applicable to regular and full-time teachers and staff ages 18-64 years old. Free coverage includes PhP25,000 basic life with comprehensive accident protection.
What does Student Protect cover?
Coverage type |
Description |
| Life insurance protection | Provides basic life coverage for students (ages 3–45) in case of death due to natural or accidental causes. |
| Accidental Death & Dismemberment (ADD&D) | Provides additional benefits in case of accidental death, dismemberment, or disability. |
| Accidental Medical Reimbursement (AMR) | Covers medical expenses for accidental injuries, reimbursing treatment costs within 30 days of the incident. |
| Teacher & staff coverage | Offers free coverage for teachers or staff (aged 18–64) for every 30 covered students in the school. |
Who is eligible for this program?
Students with standard risk who are 3 to 45 years old
Groups of students must be at least 26 with 100% participation rate
How does the claim process work?
Filing a claim for the Manulife Student Protect is simple and straightforward. To begin, visit the Manulife claims page or get in touch with your Manulife financial advisor for guidance on submitting your claim.
Required documents:
Claimant’s statement, depending on the type of claim
Valid government-issued ID of the claimant
For death claims:
Certified death certificate
Policyholder details and proof of death
For accidental claims:
Medical records and a physician’s statement confirming the injury
Additional documents may be required depending on the type of claim and policy terms.
Timeline:
Once all required documents are submitted, your claim will typically be processed within 7 working days, subject to verification.
Frequently asked questions
Student Protect typically covers students aged 3 to 45 years old who are considered at standard risk.
Yes. Student Protect is offered on a one-year term basis, and premiums are paid annually per student, making the coverage renewable each year.
Yes. Student Protect includes Accidental Medical Reimbursement (AMR), which reimburses medical expenses for injuries caused by accidents, subject to policy conditions. Coverage applies as long as the injury occurs within 30 days from the date of the accident.
Schools should review student eligibility, minimum group size, required participation rate, and the scope of coverage, including life, accident, and medical benefits. For Student Protect, a minimum of 26 students and 100% participation are required.
Schools can enroll by contacting Manulife Philippines directly through the product inquiry form on the Student Protect page or by speaking with a Manulife advisor. Enrollment is done at the institution level, not by individual students.
Student insurance is typically offered as a group plan for schools or educational institutions. You may contact Manulife to learn about available student protection options, coverage benefits, and enrollment requirements for your organization.
Want to learn more about Student Protect?
Talk to a financial advisor today