Manulife Just Medical

Manulife Just Medical is a health insurance plan from Manulife Life Insurance Japan, available to residents of Japan. Sum insured ranges from varies, eligible ages 0 to 75, and the policy is lifelong. Below is our take on how it compares to other health plans in our database — what it does well, where it lags, and the kind of policyholder it actually fits.

Annual premium starts at ¥2.9K, against a category median of ¥3K across the 7 comparable health plans we track in this country. That places Manulife Just Medical in the middle of the pack on price, and the middle of the pack on coverage ceiling (maximum sum insured N/A versus a peer median of N/A). On the value spectrum it reads as priced near the category median.

Coverage breadth is in line with what most health plans offer: 5 core inclusions, 4 highlighted features, and 2 optional riders. Notable features called out by Manulife Life Insurance Japan include Manulife Canada group, Expat-friendly documentation, and Multi-language support. On the rider side, Manulife Just Medical can be extended with Cancer lump sum and Disability income — each adding to the base premium but also widening what the policy will pay out for.

Where Manulife Just Medical explicitly will not pay: Pre-existing, Cosmetic surgery, and Self-inflicted. These are not unusual exclusions for a health plan, but they are the boundary of the contract — anything outside that list is in scope, anything inside is not. Read the full exclusions list before signing; every plan we have ever audited has at least one exclusion the buyer did not realise was there.