FAQs for Hospital Income Benefit related claims due to COVID-19

Hospital Income Benefit provides you with a cash allowance for each day of hospital confinement to help you pay for your medical expenses and doctor’s fees for a maximum of 1,000 days.

You may check your coverage via Manulife Online, by checking your policy contract, or through your insurance advisor. You may also reach out to Customer Care at 8884-7000 or phcustomercare@manulife.com if you need further assistance. 

Yes, as long as your policy is active and your COVID-19 diagnosis leads to a condition that requires hospitalization stay as defined in your policy contract, you may submit a claim.

If the mandated hospitalization cannot be done in the hospital due to full capacity and was done in an LGU facility or home quarantine instead, hospital income benefit will be given for a maximum of 14 days. Coverage period is from September 1 to December 31, 2021.

This special consideration is granted only once, during the period specified, and per policy basis. Please note that you may avail of these additional benefits only if:

a.     You were diagnosed or experienced symptoms after the effectivity of your policy; and,

b.     Your diagnosis was obtained within the period specified above (September 1 to December 31, 2021).  

c.     It is for an individual policy and not issued as part of a group coverage.

Provisions on pre-existing conditions still apply , as specified in your policy contract.

You may submit claim requirements through the following:

• eClaims – https://eclaim.manulife.com.ph/ or https://www.manulife.com.ph/services/eClaims/individual.html
• Phclaims@manulife.com
• Manulife Branch office

The standard requirements in filing a claim are: 

• Claimant’s statement (Hospital Income Claim) form
• Attending Physician Statement
• Photocopy of a valid photo bearing government ID with 3 specimen signatures
• Applicable receipts including billing and statement of account  
• Medical abstract/admitting History (detailed/itemized)
• All available laboratory and test results (as specified on the Attending Physician’s Statement)

On top of the basic requirements, if the mandated confinement was done in a quarantine facility or at home, please submit the following:

• Physician’s Statement or Medical Certificate stating the diagnosis, the need for confinement and that hospital in full capacity; indicate the specific number of days to be confined
  
  • Local Government Unit certification regarding confinement in a facility or home care, specific number of days in quarantine, and medical clearance
  • Copy of laboratory tests done including RT-PCR (swab) test, copy of receipts for prescriptions (for health benefits), and other available medical records

Once you’ve submitted all requirements, we will process the claim and release your benefit within five (5) working days.

Ideally, you must file a claim within 30 days from the start of your confinement. However, we do understand that you may need more time to recover and gather the necessary requirements. We will accept claim request and requirements on or before December 31, 2021. 

You may check your coverage with your Financial insurance Advisor advisor,or get the details of your coverage through Manulife Online, or through your policy contract. You may also call 8884-7000 or email phcustomercare@manulife.com for assistance. 

No, coverage is limited to facilities and home confinements in the Philippines.

Yes, you may still add riders to your plan within six months after you purchased it.  

These are subject to the guidelines regarding addition of riders. Please get in touch with your insurance advisor for more details.