One Medical Emergency Can Wipe Out Your Savings — Are You Ready?
Be Protected Before It’s Too Late. Discover a Smarter Way to Handle Medical Emergencies.
Protect Your Future with Medical Secure
Introducing Medical Secure by Manulife, a health insurance product that offers cashless treatment for hospitalizations, covering expenses for emergencies, inpatient care, and more. It's designed to help individuals be fully prepared for medical emergencies with confidence, backed by a wide range of medical providers.
Here's how it works in 15 minutes
(👇Watch this video👇)
Why Choose Medical Secure?
✅ 1. Because One Illness Can Cost Millions - Medical bills from ICU, surgeries, or cancer treatments can instantly wipe out your savings. Medical Secure gives you up to ₱5 Million in annual coverage — so you won’t have to choose between getting treated or going broke.
✅ 2. Because Your HMO Isn’t Enough - Most HMO cards have limited coverage and don’t include major procedures like dialysis, chemotherapy, or heart surgeries. Medical Secure fills in that critical gap, protecting you from massive, unexpected bills.
✅ 3. Because You Deserve Peace of Mind - You work hard. You plan for the future. Medical Secure ensures that in case of a medical emergency, you can focus on recovery, not on finding money. It’s a safety net that lets you sleep better at night.
✅ 4. Because Protection Should Be Simple and Transparent - No hidden terms. No confusing conditions. Everything is explained upfront. With no deductibles (if you choose full cover) and clearly defined limits, you always know what you’re covered for.
✅ 5. Because Real Love Means Preparing for the Worst - You’re not just doing this for yourself — you’re doing it for your spouse, your kids, your parents. When you’re prepared, they’re protected too. That’s the true value of being insured with Medical Secure.
Download Sample Proposals
For visual reference only. Your own proposal can be tailored to your age, gender, and benefit limit.
Click any of the button below to download.
Frequently Asked Questions
Do I need this if I have HMO?
Yes. Most HMOs have limited annual benefit limits and often cover only basic or outpatient services. Medical Secure is designed to cover large, unexpected hospitalization costs — up to ₱1M, ₱2.5M, or ₱5M per year.
When does coverage start?
Coverage starts after the 30-day standard waiting period. For pre-existing conditions, there is a 12-month waiting period. However, accidents, rabies bites and Dengue are covered starting Day 1 of your policy.
How much does it cost?
Premiums vary depending on your age, gender, and coverage level. For example:
✅ A 30-year-old male 1M ABL plan starts at less than ₱2,500/month, with options customizable to your needs and budget.
✅ Customized quotes are available — just ask us for a free proposal.
Can I use this at any hospital?
Yes! If the hospital is part of the ValuCare network, enjoy cashless hospitalization. If not, you can still go to your preferred hospital and get reimbursed after confinement.
Cashless Treatment: For cashless treatment, you'll need to use hospitals and doctors that are part of our accredited network (ValuCare). You can access your Medical Secure Card through the Manulife Online app to show proof of coverage. ValuCare has a really extensive medical network across the country! They have about 1,800 accredited hospitals and 20,000 physicians. It's worth noting that the list of accredited facilities can change, so it's always a good idea to double-check directly with the facility or call Manulife Customer Care if you want to be absolutely sure before your visit.
With Medical Secure, you have a couple of options if you need to go to a hospital that isn't in our accredited network:
Reimbursement: You can still get treated at a non-accredited hospital. You'll need to pay out-of-pocket first, and then you can file for reimbursement. Keep in mind that the amount reimbursed will be based on the relative value scale (RVS) determined by PhilHealth, not necessarily the full amount you spent.
What if I already have a condition?
If you have a pre-existing condition when applying for Medical Secure, here's what can happen:
Premium Loading: Your premium might increase because of the added risk.
Exclusion: Certain things related to that condition might not be covered by the plan.
Postponement: We might need to wait and re-evaluate after a period, like 6 months, especially if medical exams show unclear results.
Decline: In some cases, the application might be declined.
It's super important to declare all your medical history when you apply, even if you've recovered. This helps manage expectations and ensures you have the right coverage. If a condition is approved with an exclusion or premium loading, you'll need to sign a document agreeing to the terms or the exclusion. Also, keep in mind there's usually a 12-month waiting period for pre-existing conditions before coverage applies, and some conditions might be permanently excluded.
Want this protection? Let's talk.
Book a 45-minute Zoom call (we'll allow 90 minutes for your questions).
Real Stories, Real Security
From people who took the step to protect their health and future.
I like working with Mr.Jake, He evaluates my needs for my application with my Insurance policy. He determine the appropriate insurance policy that suited for me. He will listen to you and he gave me good financial advisory during my meetings with him.
Sir Jake has been a great help! Very responsive and always willing to help and educate anyone who's interested on learning. Very professional and he has extensive knowledge in the field he is in. Will absolutely recommend him as a financial advisor 👌 ⭐️⭐️⭐️⭐️⭐️
A guide for a secured future.
Accolade Pinnacle Financial Advisors
20th Floor, Hanston Square, 17 San Miguel Avenue
Ortigas Centre, Pasig, 1605 Metro Manila
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