Manulife ReadyMummy
Product Review
Manulife ReadyMummy is a 3-year maternity plan that provides protection for the expecting mother from as early as 13 weeks into the pregnancy and the child from birth, to policy year 3. This plan is also the first of its kind to cover psychotherapy treatment to provide mental wellness support for the mother.
How it Benefits you?

Coverage and Benefits
for (Mum)

  • Death benefit: 100% of sum assured
  • *Pregnancy Complications Benefits: Receive 100% of the sum assured if diagnosed with any of the insured pregnancy complications
  • *Hospital Care Benefit: 1% sum assured payout for the mother per hospital stay (up to 30 days) 
  • 10% sum assured for Psychotherapy treatment: Major Depressive Disorder (MDD) or Generalized Anxiety Disorders (GAD)


Coverage and Benefits
 for (Baby)

  • Death benefit: 100% of sum assured

  • *Congenital Illness Benefit: Receive 100% of the sum assured if the baby is diagnosed with any insured congenital illnesses
  • * Hospital Care Benefit: Receive 1% of the sum assured per day if the baby is hospitalized for any of the insured events, up to 30 days.
  • Outpatient Phototherapy Treatment Benefit: 1% sum assured for  each day rental of phototherapy machine (up to 10 days)


What we like about the plan?

1. Guaranteed Issuance Benefit for Insured Child: Option to purchasee any eligible plan(s) made available Manulife for the insured child without medical underwriting within 90 days from the birth of the insured child


2. Pregnancy by In Vitro Fertilisation (IVF), Intrauterine Insemination (IUI) and Intracervical Insemination (ICI) can be covered with additional premium.


3. Cover for up to 2 children born from a single pregnancy of the life insured (mother).

Case Studies

Source: Manulife​


For the expectant Mother

*Pregnancy complications (14):

  1. Abruptio Placentae
  2. Amniotic Fluid Embolism
  3. Choriocarcinoma and Malignant Hydatidiform Mole
  4. Disseminated Intravascular Coagulation
  5. Ectopic Pregnancy
  6. Fatty Liver of Pregnancy
  7. Gestational Diabetes Mellitus Resulting in Foetal Macrosomia and Neonatal Hypoglycaemia
  8. HELLP Syndrome (Haemolysis, elevated liver enzymes, low platelet count)
  9. Miscarriage due to Accident
  10. Placenta Increta/Percreta
  11. Postpartum Haemorrhage requiring Hysterectomy
  12. Pre-Eclampsia with severe features or Eclampsia
  13. Still Birth
  14. Uterine Rupture


*Hospital Care benefits (8):

  • Inpatient psychiatric treatment
  • Post-natal Anaemia
  • Puerperal Pyrexia
  • Pulmonary embolism
  • Repair of 4th degree perineal tear
  • Septic pelvic thrombophlebitis
  • Surgical site infection following Caesarean section
  • Uterine infection or transfusion due to retained placenta following birth


Psychotherapy Treatment if the mother is diagnosed with Major Depressive Disorder (MDD) or Generalized Anxiety Disorders (GAD)


For the child

Congenital illness benefits (24):


  1. Absence of two limbs
  2. Anal atresia
  3. Atrial septal defect
  4. Biliary atresia
  5. Cerebral palsy
  6. Cleft lip and cleft palate
  7. Club foot
  8. Congenital blindness
  9. Congenital cataract
  10. Congenital deafness
  11. Congenital diaphragmatic hernia
  12. Congenital Dislocation of Hip
  13. Congenital hypertrophic pyloric stenosis
  14. Development dysplasia of the hip
  15. Down's syndrome
  16. Infantile hydrocephalus
  17. Patent ductus arteriosus
  18. Retinopathy of prematurity
  19. Spina bifida
  20. Tetralogy fallot
  21. Trancheo-Esophageal fistula or Esophageal atresia
  22. Transposition of the great vessels
  23. Truncus arteriosus
  24. Ventricular septal defect


Child Hospital Care Benefit (5):

  1. Admission into ICU/HDU
  2. HFMD
  3. Incubation of newborn child
  4. Phototherapy or blood transfusion for severe neonatal jaundice
  5. Premature birth requiring care in a neonatal ICU/HDU


Outpatient Phototherapy Treatment Benefit: 1% of the sum insured for each day of rental of a phototherapy machine up to a maximum of 10 days

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