Make a claim today

An insurance claim is a process by which a person (i.e., claimant or policyholder) lets their insurance company know they’re seeking funds (reimbursement, payouts or other remuneration) according to a benefit they understand they’re entitled to receive, under their insurance policy.

The conditions of the policy will have been determined by Manulife at the time the policy originally came into force.

A claimant starts an insurance claim by completing an online digital form or a paper form. The claim is made against an insurance policy they own or one through an organization or employer that provides benefits to them, according to specific terms.

Depending on your coverage, you may submit a health insurance claim, dental claim, life insurance claim, critical illness insurance claim, disability insurance claim, mortgage insurance claim, or another eligible claim.

You can claim Manulife benefits through online claims processing or by using a paper claim form if that’s easier. It's important to remember that the claims process may be slightly different depending on the kind of insurance you have and the customer group to which you belong.

Health claims, dental claims or travel insurance benefits generally involve signing in to your plan, SecureServe web portal, or a travel claim administration tool. With online claims reimbursement, once a claim is reviewed and approved for payout, any funds owed to you get deposited directly into your bank account.

The web page you’re currently visiting (i.e., Make a claim today) includes links to several resources that will help get you on the right path to making a claim. 

Each insurance policy has limits as to how much it will cover in a policy year. Generally, on an annual basis, provided you re-enrol in your insurance when the time comes, those limits reset themselves to the original maximum amount allotted to you on the anniversary of your policy, often January 1st.

If, for example, you have dental benefits for a maximum of $1,000 annually for basic care, provided you continue with the insurance into the next year, the maximum of $1,000 resets on the anniversary date.

Every policy is different, so it’s important to ask questions to understand the full extent of your benefits package. Revisiting your plan regularly can help you maximize your benefits, check on claim status, and facilitate claims management.

You may file a claim for a dependant so long as they’re covered under your policy and within the age limit prescribed by the policy/certificate.

Most policies in Canada allow for children 18 and under who live with the claimant in the same household to be covered under a family policy. In some cases, if the child continues in post-secondary education, that age restriction increases from 18 to 25.

It’s important to check your policy or certificate and read the coverage details carefully when you first arrange your insurance. That way, you’ll understand any limits, conditions, or exclusions that apply to coverage for your dependants.

Claim processing times can vary by insurance claim type and the information needed to assess your claim. Submitting complete forms and supporting documents can help avoid delays. Sign in any time to check your claim status or contact us for support.

The documents required for your insurance claim depend on the type of claim. You may need receipts, itemized invoices, prescriptions, medical records, or other supporting documents. Sending complete information and all required documents can help us process your claim faster and avoid delays.

You can check the status of your insurance claim any time by signing in to your account. View recent claims on the website or on the Manulife Mobile app. Track claim progress from submission to payment in the Claims Hub.

If you're covered by more than one benefits plan, you may be able to coordinate your benefits to maximize your coverage. Start by submitting your insurance claim through your own plan. If part of the claim remains unpaid, you can then submit the balance to your other benefits plan for consideration.

For more information about coordination of benefits, visit our help page.