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Requesting for your benefits is as simple as 1-2-3!
List of Requirements
For Request for Letter of Authorization (LOA)
Elective Inpatient/Hospital Confinement & Special Procedures
- Physician’s Order
- If policy insured is of legal age, photo-bearing valid IDs with signatures of the Policyowner and Insured
Note: Letters of Authorization are valid for 3 days upon issue.
For Inpatient/Hospital Confinement Reimbursement Claims
- Original sales invoice or official receipt/s from the medical facility(ies) and/or Physician(s)
- Final Statement of Account with itemized billing
- Discharge summary/discharge Instruction
- Incident / Police Report (for accident-related treatments and confinements)
- If policy insured is of legal age, photo-bearing valid IDs with signatures of the Policyowner and Insured
- Proof of bank account ownership stated in the Credit to Account Details above (e.g., deposit slip or screenshot of the bank account number with the name of the bank and Policyowner)
- Attending Physician's Statement
For Pre- and Post-Confinement Treatments Reimbursement Claims
- Original sales invoice or official receipt/s from the medical facility(ies) and/or Physician(s)
- Physician’s order
- Incident / Police Report (for accident-related treatments and confinements)
- Laboratory / diagnostic tests
- Physician’s prescription for medicines (for pre- and post-confinement treatments)
- Medical Certificate
- If policy insured is of legal age, photo-bearing valid IDs with signatures of the Policyowner and Insured
- Proof of bank account ownership stated in the Credit to Account Details above (e.g., deposit slip or screenshot of the bank account number with the name of the bank and Policyowner)
- Attending Physician’s Statement (for covered Special Procedures)
For Emergency Treatment Reimbursement Claims
- Original official receipts from the medical facility(ies) and/or Physician(s)
- Incident / Police Report (for accident-related treatments and confinements)
- Emergency Room Report
- If policy insured is of legal age, photo-bearing valid IDs with signatures of the Policyowner and Insured
- Proof of bank account ownership stated in the Credit to Account Details above (e.g., deposit slip or screenshot of the bank account number with the name of the bank and Policyowner)
Tips for a Smooth Claim Process
Frequently Asked Questions
When can I start using my Medical Secure policy?
Coverage for the Policy Insured starts 30 days from the Policy’s effective date or 10 days from the reinstatement date. Coverage starts immediately for illnesses or injuries sustained from Dengue Fever, Rabies, and accidents. There are specific illnesses and pre-existing conditions that have a 12-month waiting period. Kindly refer to the Policy Contract for the specified illnesses.
Please always ensure that your premium payments are up to date to avail your benefits.
Until when can I avail my Medical Secure policy?
Your Medical Secure plan is valid for one year and is renewable every contract year up to 75 years old.
What if I forgot my Policy Number and don't have access to my card yet?
Please log-in to the Manulife App to check your Medical Secure policy details and access your Medical Secure Card.
Does my Medical Secure policy include a death benefit?
Yes, in the unfortunate event of death, your family will receive cash assistance equivalent to 10% of your annual benefit limit.
Does Medical Secure include Outpatient consultation and procedure coverage?
No, Medical Secure only covers Inpatient and Emergency leading to confinement and special procedures.
What are my options for accessing the medical services and benefit of my Medical Secure policy?
- Via Accredited Network: Cashless availment or reimbursement based on the Relative Value Scale (RVS) or the equivalent benefit provided for Accredited Network, whichever is lower.
- Via Non-Accredited Network: Reimbursement based on the Relative Value Scale (RVS) or the equivalent benefit provided for Accredited Network, whichever is lower.
What if there is no accredited hospital in my area, can I file for reimbursement?
If there is no accredited hospital near your location, you may still seek medical treatment and subsequently file for reimbursement through your Medical Secure policy. To do this, please ensure you gather all necessary documents required for the reimbursement process. These documents are listed in detail in the Requirements section above.
Manulife China Bank Life (MCBL) is regulated by the Philippine Insurance Commission and is authorized to provide financial products or services in the Philippines.
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