At Manulife, we provide a fast and simple group insurance claims process along with the proper safeguards to meet your urgent needs, so you can enjoy outstanding protection as well as peace of mind.
Once the claim has been processed, you will receive an alert. Then, you can to Manulife customer website to check the claim status or view past claim records (up to 1 year) under “Claims > Group Life & Health claim history” section (only applicable to eligible members).
Claim for Specialist's Visit
A referral letter should be issued by a registered doctor with the exact diagnosis and related specialty. It is valid for 6 months from the date of issuance or the last follow-up visit.
Claim for X-ray / Laboratory Test Fees
A referral letter should be issued by a registered doctor or registered herbalist (if you are entitled to Chinese Medicine Practitioner benefit) with the exact diagnosis and type of X-ray / laboratory test(s) recommended. It is valid for 6 months from the date of issuance and one-off use only.
Claim for Physiotherapy
A referral letter should be issued by a registered doctor with the exact diagnosis. It is valid for 6 months from the date of issuance or the last follow-up visit.
Please note that original receipts of claims will not be returned. You may request for return of certified true copies of receipts by the following procedure:
The claim already submitted:
Please submit a written request for return of a certified true copy of receipt by fax to (852) 2234 5371 or by mail within 30 days after submission of the claim to Manulife.
Acupuncture is generally covered under Chinese Medicine Practitioner benefit while consultations of "Tui Na", body and foot massage, "Qi Gong" and ear reflexology are not. For details, please refer to the relevant Benefit Provision which is applicable to you.
An exclusion is the circumstances under which a treatment or diagnosis is being excluded from the insurance coverage, i.e. no benefits will be payable to the excluded treatments or diagnosis. You may refer to the back page of the for some of the general exclusions. For details of exclusions in relation to your benefits, please refer to the relevant Benefit Provision and any notices that have been issued to you (if any) as conditions for acceptance of coverage.
Sicknesses or injuries having occurred prior to the member joining the policy are called "Pre-existing Conditions". Benefits payable for treatment related to pre-existing conditions are generally not covered under the policy during the first twelve months from the date the member joins the plan. The exception to this is no treatment received or recommended during the first three months from the date the member joins the plan, to which the pre-existing condition clause does not apply.