MEDICAL CARD / Manulife
MANULIFE HEALTH SAVER ENRICH (MHSE)
Manulife Insurance Berhad · Medical rider on investment-linked policy · 1 tiers · verified 24 Aug 2026
| Tier | Annual limit | Lifetime | Room & board | Deductible | Co-ins. | Co-pay | ICU | Day surg. | Renewable | Entry age |
|---|---|---|---|---|---|---|---|---|---|---|
| MHSE 200 | RM 3,000,000 | Unlimited | RM 200 | — | — | Deductible options RM500/RM1,000/RM5,000/RM10,000 per year per covered member; 5% co-insurance on Outpatient Illness Treatment subject to max co-insurance RM150/year; main hospital & surgical benefits payable as charged less deductible | Yes | Yes | Yes | 1–70 |
● WAITING PERIODS
- General: 30 days
- Specified (120-day): 120 days
- Pre-existing: n/a
● SOURCE
- Verified: 24 Aug 2026
- Source: official PDS / product page
- Official PDS (template with <<XX>> placeholders, generated 22 Aug 2025) + official MHSE Individual Brochure (Award Update 260817, 17pp) + official product page. PDS confirms: unit-deducting medical rider on ILP (units deducted from account value into insurance risk fund for COI), cashless basis, Overall Individual Annual Limit RM3,000,000, No Lifetime Limit, R&B RM<<R&B>>/day, surgical as charged, renewal guaranteed but premium rates not guaranteed, coverage starts 30 days after effective date, pre-existing excluded. Brochure confirms current tier MHSE 200 (R&B RM200/day, no day limit), deductible options RM500/1,000/5,000/10,000, annual limit RM3,000,000, no lifetime limit, pre-hosp 120 days, post-hosp 210 days (365 days for 5 critical illnesses), NCD up to 40% on insurance charges, entry ages 1-70 with renewal-only rates to attained age 98 next birthday (charge table). COVERAGE GAP: MHSE 300 and MHSE 1000 tiers discontinued effective 15 Apr 2026 (official site announcement); only MHSE 200 currently offered. PDS is a template with unfilled placeholders so deductible/coinsurance per-tier figures not disclosed in PDS itself.
Premiums are quote-gated in Malaysia. Get an official quote from Manulife — we never publish invented premiums.