Manulife ReadyProtect
Affordable protection with up to S$1 million coverage
About this plan
Manulife ReadyProtect is a personal accident plan in Singapore which provides accidental death benefits with a financial protection in the event of accidental injuries, disability, diseases or death.
Why should you get it?
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Lump sum payout for accidental death and dismemberment benefit Receive S$50,000 to S$1 million coverage for accidental death and dismemberment. Receive 2x payout if the accidental death or dismemberment happens on public transport.
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Medical Expenses Benefit1 Enjoy medical reimbursement for accidents, with double the limit if the accident occurs overseas, as well as coverage for Traditional Chinese Medicine or chiropractor fees, ambulance fees and mobility aids.
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Wide coverage including infectious diseases Covers 21 infectious diseases, including Zika virus and Hand, Foot and Mouth Disease.
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(Optional add-on) Income support benefit2 Receive a weekly income benefit3, disability support allowance and any necessary home modification reimbursement if you are unable to work due to an accident.
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(Optional add-on) Hospital cash benefit4 Receive daily hospitalisation cash benefit for up to 365 days per accident. If admitted to the ICU, you will get double the benefit for up to 30 days per accident.
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(Optional add-on) Child care benefit5 If the policy owner dies due to an accident, all future premiums will be waived until the life insured (child) reaches age 25.
Learn more about Manulife ReadyProtect
With Manulife ReadyProtect, it is easy to get the required coverage for personal accidents, injuries or infectious diseases.
Step 1: Choose your plan
Choose a personal accident insurance plan that fits your protection needs and lifestyle.
Step 2: Activate your coverage
Once your policy is in force, your coverage begins for covered accidental events, subject to policy terms.
Step 3: Stay protected against accidents
Your coverage includes accidental death, permanent disability and injury-related events.
Step 4: Receive financial support if an accident occurs
If a covered accident occurs, a lump-sum payout may be provided to help with financial needs during recovery or to support your family.
Step 5: Use benefits for recovery and expenses
The payout can help cover medical costs, lost income and daily living expenses, depending on the situation.
Manulife ReadyProtect may be suitable for you if you want financial protection against unexpected accidents that could impact your health, income, or family stability.
If you are a young working adult, you may want affordable protection against accidental injury or disability while building your career.
If you are a family breadwinner, you may want financial support to help protect your family’s income and daily living needs in case of an accident.
If you have an active or outdoor lifestyle, you may want coverage for accident risks during travel, sports, or daily activities.
If you are self-employed, you may want financial protection since an accident could temporarily pause your income.
If you are in a high-risk job, you may want added protection against occupational accident risks and related financial loss.
If you are planning for financial security, you may want a personal accident insurance scheme that helps reduce unexpected medical and recovery costs.
Choose from 5 plan types with different levels of coverage to cater to the specific needs of you and your family.
What are the differences between the 5 plan types?
| Head Start | Accelerate | Advantage | Ultimate | Signature | ||
| Accidental death and dismemberment (ADD) | S$ 50,000 | S$ 100,000 | S$ 200,000 | S$ 500,000 | S$ 1,000,000 | |
| Double payout on ADD (in public transport or during school activities) | S$ 100,000 | S$ 200,000 | S$ 400,000 | S$ 1,000,000 | S$ 2,000,000 | |
| Medical expenses (per accident) | Accidental medical reimbursement (AMR) | 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 |
| AMR while overseas | 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 | |
| Traditional Chinese Medicine or 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 fees and 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 | |
Frequently asked questions
Accidental death insurance and life insurance differ mainly in the events they cover. Accidental death insurance provides coverage for accidental death, while life insurance generally provides broader coverage, subject to the policy terms and conditions.
Manulife ReadyProtect focuses on accidental death protection as part of its personal accident insurance scheme.
Manulife ReadyProtect includes coverage for 21 infectious diseases such as Zika virus and Hand, Foot and Mouth Disease (HFMD), subject to policy terms.
Personal accident policies generally provide coverage for injuries resulting from accidental events. The scope of coverage, benefits and exclusions may vary depending on the policy terms and conditions.
- Please refer to the product summary for more details
Coverage ends when the life insured reaches age 75
Benefits are payable per accident, for up to 104 weeks
Coverage ends when the life insured reaches age 99
The last entry age for the life insured (child) is 16 years old, and the benefit covers the life insured up to age 25. For Manulife ReadyProtect Head Start and Accelerate plans only.
ReadyProtect and its supplementary benefits are underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D). This advertisement has not been reviewed by the Monetary Authority of Singapore. Premiums are not guaranteed and may be adjusted based on future claims experience. Manulife reserves the right to vary premiums at any time by giving 30 days’ written notice to the policyowner before doing so. Buying health insurance products that are unsuitable for you may affect your ability to finance your future healthcare needs. This brochure is for your information only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. You can find the full terms and conditions, details, and exclusions for the mentioned insurance product(s) in the policy contract. If there are any differences between the English and Chinese versions of this brochure, the English version will apply. This policy is protected under the Policy Owners’ Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic, and no further action is required from you. For more information on the types of benefits that are covered under the scheme, as well as the limits of coverage, where applicable, please contact us or visit the LIA or SDIC websites (www.lia.org.sg (opens in a new tab) or www.sdic.org.sg (opens in a new tab)).
The information on this page is for general informational purposes only and does not constitute financial advice.
We recommend that you seek advice from a Manulife Financial Consultant or its Appointed Distributors before making a commitment to purchase a policy.
Information is correct as of 14 August 2026.