Disability/Premium Waiver Claims Procedures


Individual Claims Procedure

At Manulife, our Individual Insurance claims process is easy and quick to provide you with the proper safeguards to meet your urgent needs. So you may enjoy peace of mind with protection.

Simply select the claims type below to learn more:

Claims Procedure

    Download and complete Claim Form


    Collect claims documents


    Submit Claim Form and documents no later than 12 months after the commencement of Total Disability


    Claims assessment and approval by Manulife Claims Department


    Receive claims settlement
Claims Documents
Basic Requirements
  • Claimant's Statement of Disability (C03) for disability in first 24 months OR Claimant's Statement of Continued Disability (C04) for continuous claims with disability after 24 months
    • Page 1 & 2 - completed and signed by Claimant
    • Attending Physician's Statement - completed, signed and stamped by Attending Physician (Doctor)
  • Copy of Sick Leave Certificate(s) with Diagnosis
  • HKID Card / Passport copy of both Policyowner and Claimant (if you have never provided clear copy(ies) of such document(s) to us before)
Additional Requirements (if applicable)
  • Income proof (e.g. tax return for the past 12 months prior to disability)
  • Proof of Occupation (e.g. Employment Letter)
  • Employer's Confirmation
  • Certificate of Employees' Compensation Assessment (Form 5 or 7)

Claims Submission

After making a claim, you may login to our Customer Website, and check the claim status or view past claim records (up to the past 5 years) under “Individual Insurance > My Claims” section.

By Mail:
Claims Department
Individual Financial Products Manulife
(International) Limited
22/F, Manulife Financial Centre,
223-231 Wai Yip Street, Kwun Tong,
Kowloon, Hong Kong

In Person:
Customer Service Centre
23/F, Lee Garden One,
33 Hysan Avenue,
Causeway Bay, Hong Kong

Got any further questions? Please contact our Customer Service by phone or email: (852) 2510 3941 or 4008 428 017 (China Toll Free Number)