Manulife Employee Benefits Singapore Review 2025
Innovative benefits provider focused on health and wellbeing
Manulife is a leading Canadian insurance and financial services company with strong presence across Asia. In Singapore, Manulife offers comprehensive employee benefits solutions combining group medical insurance, life coverage, and award-winning wellness programs. Known for their digital innovation, ManulifeMOVE wellness platform, and proactive claims management, Manulife helps organizations create healthier, more engaged workforces.
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Rating Breakdown
Pros and Cons
Pros
- Excellent digital experience with user-friendly mobile app
- ManulifeMOVE wellness platform drives high employee engagement
- Fast claims processing with high approval rates
- Lower minimum employee requirement (5 vs 10 for competitors)
- Innovative telemedicine integration
- Strong focus on preventive care and mental health
Cons
- Premium plans can be expensive for SMEs
- ManulifeMOVE requires employee participation to maximize value
- Some panel hospitals have limited specialist availability
- Wellness platform setup requires initial change management
- International coverage only on higher-tier plans
Key Features & Services
ManulifeMOVE Wellness Platform
Award-winning wellness program tracking physical activity, nutrition, sleep, and mental wellbeing. Employees earn rewards for healthy behaviors, participate in challenges, and access personalized health insights through gamified mobile app.
Integrated Telemedicine
Comprehensive virtual healthcare with 24/7 doctor consultations, e-prescriptions delivered to home or office, digital medical certificates, and follow-up care coordination. Reduces absenteeism and healthcare costs.
Digital-First Claims
Seamless claims experience with mobile app submission, AI-powered document processing, instant e-approval for eligible claims, direct billing to providers, and real-time status tracking. Average processing time 2-3 days.
Proactive Health Management
Data-driven health risk identification, chronic disease management programs, preventive care initiatives, personalized health coaching, and early intervention support to improve health outcomes and reduce claims.
Mental Health Excellence
Comprehensive mental wellbeing support including 24/7 crisis hotline, counseling sessions, psychiatric consultations, stress management tools, mindfulness programs, and manager training on mental health awareness.
Flexible Plan Design
Modular benefits structure allowing mix-and-match of coverage components, tiered plans for different employee levels, scalable solutions from 5 to 5,000+ employees, and annual plan optimization based on utilization data.
Pricing & Plans
Pricing Model: Flexible Premium Structure | Starting From: From $180 per employee/year
Essential Care
- Basic hospitalization & surgical
- Group term life insurance
- Personal accident coverage
- Minimum 5 employees
- Digital claims portal
- Basic wellness resources
HealthFlex Plus
- Comprehensive medical coverage
- Outpatient & dental benefits
- ManulifeMOVE wellness platform
- Telemedicine access
- Health screening subsidies
- Priority customer support
Premium Wellbeing
- Premium hospitalization (private hospitals)
- Comprehensive mental health support
- International medical coverage
- Executive health screenings
- Dedicated wellness coach
- Concierge medical services
What Clients Say
"ManulifeMOVE transformed our wellness culture. Employee participation rate is 75% and engagement scores increased by 30%. The gamification really works. Claims processing is super fast too."
"Best employee benefits decision we made. The telemedicine feature alone saved us countless hours of MC leave. Digital claims are seamless and customer service is responsive."
"Solid coverage with great digital tools. Premium increased 12% at renewal due to high utilization, but still good value considering the comprehensive coverage and wellness benefits."
Frequently Asked Questions
What makes ManulifeMOVE different from other wellness programs?
ManulifeMOVE is a comprehensive wellness platform that tracks physical activity (steps, workouts), nutrition, sleep, and mental wellbeing through mobile app and wearable integrations. Employees earn points for healthy behaviors (walking 10,000 steps, completing health assessments, meditation) redeemable for rewards like vouchers, premium discounts, or donations. Includes team challenges, leaderboards, and personalized health insights. Over 70% participation rates compared to 20-30% for traditional wellness programs.
How much does Manulife employee benefits cost for small companies?
Manulife has a competitive advantage for SMEs with only 5-employee minimum (vs 10 for most competitors). Essential Care costs $180-$350 per employee/year for basic coverage. HealthFlex Plus (most popular for SMEs) ranges $600-$1,800 depending on age profile and benefits selected. Small companies under 20 employees typically pay slightly higher per-head rates but gain access to enterprise-grade benefits. Request a quote for accurate pricing based on your team demographics.
Does Manulife provide telemedicine services?
Yes, comprehensive telemedicine is integrated into most Manulife plans. Employees access 24/7 GP consultations via video or phone, receive e-prescriptions delivered to home/office, get digital MCs, and coordinate follow-up care. Telemedicine visits are typically free or low co-pay ($10-15). Reduces absenteeism, provides convenient access, and lowers overall healthcare costs. Especially valuable for minor ailments, chronic disease follow-ups, and mental health consultations.
How fast does Manulife process claims?
Digital claims submitted through mobile app with complete documentation are processed in 2-3 business days for straightforward cases. AI-powered review enables instant approval for eligible claims meeting criteria. Cashless admission at panel hospitals has immediate approval. Complex cases requiring medical review take 5-7 days. Claims approval rate exceeds 96%. Real-time status tracking available in app.
Can we customize our benefits package with Manulife?
Yes, Manulife offers modular plan design allowing full customization: (1) Select specific benefits (medical, dental, optical, maternity), (2) Set coverage limits and deductibles, (3) Create tiered plans for different employee grades, (4) Choose co-payment structures, (5) Add or exclude wellness components, (6) Include/exclude dependents. Plans are optimized annually based on claims data and budget. Flexibility scales from 5 to 5,000+ employees.
What mental health support does Manulife provide?
Comprehensive mental wellbeing program including: (1) 24/7 crisis hotline with trained counselors, (2) Up to 8 face-to-face counseling sessions per issue, (3) Psychiatric consultations covered, (4) Digital mental health tools (meditation, CBT exercises), (5) Stress management workshops, (6) Manager training on mental health awareness, (7) Return-to-work support programs. All services completely confidential. Available as add-on or integrated into medical plans.
Does Manulife cover pre-existing conditions?
Pre-existing conditions are subject to standard exclusions or waiting periods (typically 12-36 months) depending on condition severity. However, Manulife offers: (1) Pre-existing condition buyback option for additional premium, (2) Reduced waiting periods for well-controlled conditions, (3) Case-by-case assessment for group customization. Full disclosure during application is mandatory. Discuss specific situations with Manulife underwriters for tailored solutions.
How does Manulife compare to AIA or Prudential?
Manulife's key differentiators: (1) Superior digital experience and mobile app, (2) ManulifeMOVE wellness platform with high engagement, (3) Lower minimum requirement (5 vs 10 employees), (4) Integrated telemedicine as standard. Prudential has stronger brand recognition and wider hospital network. AIA has competitive premiums for large groups. Manulife is best for companies prioritizing digital innovation, wellness culture, and SME accessibility. Consider multiple quotes to compare coverage and pricing.
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Services Offered
- Group Medical & Hospitalization
- Group Life & Disability Insurance
- Critical Illness Coverage
- Dental & Optical Benefits
- Outpatient & Specialist Care
- ManulifeMOVE Wellness Platform
- Mental Health & EAP Services
- Health Screening Programs
- Telemedicine Services
- Retirement & Savings Plans