Claims FAQs

A claim can be filed promptly or as soon as reasonably possible following the death, disability/injury/illness or hospitalization of the Insured, unless a specific period is required under the policy.

Death Claim or Accidental Death Benefit Claim may be filed by the beneficiary/ies as stated in the Insured’s policy contract or by their legal representative/s. While illness-related claims such as Daily Hospital Income, Critical Illness, Disability, and Dismemberment must be filed by the Policyowner.

You may file it online through https://eclaim.manulife.com.ph/

A claim will be processed within 7 working days from date of submission of the complete requirements through https://eclaim.manulife.com.ph/

You may file it online through https://eclaim.manulife.com.ph/.  All supporting legal documents like Death Certificate, Special Power of Attorney must be authenticated by the Philippine Consular Office or Apostilled in the country where they originated.

Here are the basic requirements:

·         Claimant’s Statement Form found in https://eclaim.manulife.com.ph/;

·         Certified PSA/NSO/LCR copy of the insured’s Death Certificate;

·         Valid government-issued ID bearing the signature of each beneficiary with three (3) specimen signatures; and

·         Proof of account (photocopy of passbook or bank statement) indicating the complete account details (complete bank name, bank account name, bank account number and currency) of each beneficiary

Here are the basic requirements:

·         Claimant’s Statement Form found in https://eclaim.manulife.com.ph/

·         Certified PSA/NSO/LCR copy of the insured’s Death Certificate;

·         Valid government-issued ID bearing the signature of each beneficiary with three (3) specimen signatures;

·         Proof of account (photocopy of passbook or bank statement) indicating the complete account details (complete bank name, bank account name, bank account number and currency) of each beneficiary

·         Attending Physician’s Statement (1. MP CS-DC P1-3 CC copy (manulife.com.ph)); and

·         Insured’s complete medical records (consultations, diagnostic tests, confinement, etc.) for the past three years.  

The requirements are:

1. If the claim benefit is Php500,000.00 and below (or its US Dollar equivalent), the following must be submitted in addition to the basic requirements:

a)     Notarized Affidavit of Parental Care and Custody, and

b)     PSA/NSO/Certified LCR copy of the Birth Certificate of the minor beneficiary;

2. If the claim benefit exceeds Php500,000.00 (or its US Dollar equivalent), the trustee of the minor beneficiary has three (3) options to choose from:

a)     Option 1 - A minor beneficiary can claim the full amount of the benefit by submitting a Letter of Guardianship;

b)     Option 2 - Execute a Settlement Agreement to leave the proceeds with Manulife with option for partial advances for the educational and medical expenses of the minor beneficiary

·         A School Assessment form or Hospital Bill will be required for each partial advance which will be paid directly to the institution; or

c)     Option 3 – Wait until the minor beneficiary/ies turn/s 18 years, upon which the beneficiary may claim the entire claim benefit themselves.

Death certificates and medical records issued by foreign states and entities must be authenticated by the Philippines Consular Office or Apostilled in the country where they originated.

The following must be submitted in addition to the basic death claims requirements:

·         Attending Physician’s Statement (1. MP CS-DC P1-3 CC copy (manulife.com.ph))

·         Proof of Accident – Including, but not limited to, the following:

·         Traffic Accident Report (if cause of death is vehicular accident);

·         Certified True Copy of Investigation Report from Philippine National Police or National Bureau of Investigation or the appropriate agency;

·         Certified True Copy of Autopsy Report ;

·         Notarized sworn statement of identifying witness; and

·         Criminal complaint/fiscal’s/prosecutor’s resolution (if applicable). 

The following must be submitted by the US Citizen or Resident:

·       W9 Form (for US Person) https://www.irs.gov/pub/irs-pdf/iw9.pdf

·       W8-BEN Form (if non-US Person) https://www.irs.gov/pub/irs-pdf/fw8ben.pdf

You may access this link for more information: https://www.irs.gov/forms-instructions.

The following must be submitted on top of the basic death claim requirements:

·       Secretary’s Certificate/Board Resolution (Should indicate the name of the Authorized Representative/Signatory of the company);

·       Valid government-issued ID bearing the signature of corporate secretary;

·       Claimant’s Statement signed by the Authorized Signatory/ies;

·       Valid government-issued ID bearing the signature of Authorized Signatory/ies; and

·       FATCA requirements (if applicable) (Please refer to: Forms & Instructions | Internal Revenue Service (irs.gov)).

Living benefits are additional benefits usually covered under riders attached to your basic coverage that provide extra financial security for specified events occurring while the Insured is still alive.

The basic requirements for a Critical Illness claim are:

·       Claimant’s Statement Form on  https://eclaim.manulife.com.ph/;

·       Attending Physician’s Statement (APS) - specific to illness. If there is no specific APS, use "APS OTHERS" ;

·       Discharge summary or clinical abstract or medical abstract of the latest hospitalization;

·       Admission/Admitting record with past medical history;

·       All available laboratory and tests results (as specified on the Attending Physician’s Statement);

·       Outpatient consultation regarding signs / symptoms;

·       Diagnostic treatment results;

·       Histopathology or Biopsy Result, if applicable;

·       Annual Physical Examination for the past 3 years, (if any); and

·       Policyowner’s proof of account (photocopy of passbook or bank statement) corresponding to that provided in the Claimant’s Statement Form.

The basic requirements for a Hospital Income Benefit Claim are:

·         Claimant’s Statement Form on  https://eclaim.manulife.com.ph/;

·         Attending Physician’s Statement (APS) 6. CL Hospital Income Benefit Claim Form P1-2 copy (manulife.com.ph);

·         Detailed Hospital Statement of Account (must show room & board charges);

·         Medical Certificate; and

·         Policyowner’s proof of account (photocopy of passbook or bank statement) corresponding to that provided in the Claimant’s Statement Form.

The basic requirements for a disability benefit claim are:

·         Claimants Statement Form on  https://eclaim.manulife.com.ph/;

·         Attending Physicians Statement (APS) accomplished by the insured’s specialist physician 9. CS Total and Permanent Disability Claim Form P1-4 copy (manulife.com.ph);

·         Discharge summary or clinical abstract or medical abstract of the latest hospitalization;

·         Admission/Admitting record with past medical history;

·         All available laboratory and tests results (as specified on the Attending Physician’s Statement);

·         Caregiving questionnaire;

·         Complete Neurological exam (if stroke or related to neuro disease);

·         SSS / GSIS approval regarding total disability (if any); and

·         Policyowner’s proof of account (photocopy of passbook or bank statement) corresponding to that provided in the Claimant’s Statement Form.

The basic requirements for a Terminal Illness benefit claim are:

·         Claimants Statement Form  https://eclaim.manulife.com.ph/;

·         Attending Physicians Statement (APS) accomplished by the insured’s specialist physician 8. CS Major Disease-Critical-Terminal Illness Claim P1-2 copy (manulife.com.ph);

·         Discharge summary or clinical abstract or medical abstract of the latest hospitalization;

·         Admission/Admitting record with past medical history;

·         All available laboratory and tests results (as specified in the Attending Physician’s Statement); and

·         Policyowner’s proof of account (photocopy of passbook or bank statement) corresponding to that provided in the Claimant’s Statement Form.

The basic requirements for a female benefit claim are:

·         Claimants Statement Form on  https://eclaim.manulife.com.ph/;

·         Attending Physicians Statement (APS) 2. CL Female Benefit Form P1-2 copy (manulife.com.ph);

·         Operating Room [OR] Report of the surgery;

·         Discharge summary or clinical abstract or medical abstract of the latest hospitalization;

·         Admission/Admitting record with past medical history;

·         All available laboratory and tests results (as specified on the Attending Physician’s Statement); and

·         Policyowner’s proof of account (photocopy of passbook or bank statement) corresponding to that provided in the Claimant’s Statement Form.