Premium Payment FAQs

Premiums for Life Insurance policies should be paid within 31 days from due date while Premiums for Financial Plans policies should be paid within 60 days from due date.

You will receive a billing notice as a reminder for premium due only if your policy is not enrolled in our Autopay facility.

Premiums are paid according to the mode of payment you choose, i.e., Annual, Semi-Annual, Quarterly, or Monthly.  Monthly premiums are paid through post-dated cheques, credit card enrollment, or auto debit arrangement with BPI, BDO, Metrobank or China Bank.
 

You can still pay your premium even without your billing notice, please take note that non-receipt of billing notice will not be considered a sufficient reason for non-payment of premium dues. Premium should be paid to keep the policy in force. But if you wish to have a copy of your billing notice you may:

• Call our Customer Care Hotline +632 8884 7000 or email phcustomercare@manulife.com and request for a copy.
• Request your Manulife Financial Advisor to provide you a copy of your billing notice.

* If you enroll your policy/ies in any of our Auto-Pay facilities (ADA or Credit Card), or submit post-dated cheques, you will no longer receive a billing notice.

* Billing Notices are now being sent digitally, just provide a primary email address to receive your billing notices.
 

You may request for a certified true copy of your official receipt. Call our Customer Care Hotline at +632 8884 7000 or email phcustomercare@manulife.com

Yes, you can pull out your post-dated cheque. Request for a PDC Pull-Out Form from your Manulife Financial Advisor and submit to any Manulife branch nationwide at least five (5) banking days before maturity of the cheque. 
 

A claim can be filed promptly or as soon as reasonably possible following the death, disability/injury/illness or hospitalization of the Insured, unless a specific period is required under the policy.

Death Claim or Accidental Death Benefit Claim may be filed by the beneficiary/ies as stated in the Insured’s policy contract or by their legal representative/s. While illness-related claims such as Daily Hospital Income, Critical Illness, Disability, and Dismemberment must be filed by the Policyowner.

You may file it online through https://eclaim.manulife.com.ph/

A claim will be processed within 7 working days from date of submission of the complete requirements through https://eclaim.manulife.com.ph/

You may file it online through https://eclaim.manulife.com.ph/.  All supporting legal documents like Death Certificate, Special Power of Attorney must be authenticated by the Philippine Consular Office or Apostilled in the country where they originated.

Here are the basic requirements:

• Claimant’s Statement Form found in https://eclaim.manulife.com.ph/;
• Certified PSA/NSO/LCR copy of the insured’s Death Certificate;
• Valid government-issued ID bearing the signature of each beneficiary with three (3) specimen signatures; and

Proof of account (photocopy of passbook or bank statement) indicating the complete account details (complete bank name, bank account name, bank account number and currency) of each beneficiary

Here are the basic requirements:

• Claimant’s Statement Form found in https://eclaim.manulife.com.ph/
• Certified PSA/NSO/LCR copy of the insured’s Death Certificate;
• Valid government-issued ID bearing the signature of each beneficiary with three (3) specimen signatures;
• Proof of account (photocopy of passbook or bank statement) indicating the complete account details (complete bank name, bank account name, bank account number and currency) of each beneficiary
• Attending Physician’s Statement (1. MP CS-DC P1-3 CC copy (manulife.com.ph)); and
• Insured’s complete medical records (consultations, diagnostic tests, confinement, etc.) for the past three years.  

The requirements are:

1. If the claim benefit is Php500,000.00 and below (or its US Dollar equivalent), the following must be submitted in addition to the basic requirements:

• Notarized Affidavit of Parental Care and Custody, and
• PSA/NSO/Certified LCR copy of the Birth Certificate of the minor beneficiary;

2. If the claim benefit exceeds Php500,000.00 (or its US Dollar equivalent), the trustee of the minor beneficiary has three (3) options to choose from:

• Option 1 - A minor beneficiary can claim the full amount of the benefit by submitting a Letter of Guardianship;
• Option 2 - Execute a Settlement Agreement to leave the proceeds with Manulife with option for partial advances for the educational and medical expenses of the minor beneficiary
  • A School Assessment form or Hospital Bill will be required for each partial advance which will be paid directly to the institution; or
• Option 3 – Wait until the minor beneficiary/ies turn/s 18 years, upon which the beneficiary may claim the entire claim benefit themselves.

Death certificates and medical records issued by foreign states and entities must be authenticated by the Philippines Consular Office or Apostilled in the country where they originated.

The following must be submitted in addition to the basic death claims requirements:

• Attending Physician’s Statement (1. MP CS-DC P1-3 CC copy (manulife.com.ph))
• Proof of Accident – Including, but not limited to, the following:
• Traffic Accident Report (if cause of death is vehicular accident);
• Certified True Copy of Investigation Report from Philippine National Police or National Bureau of Investigation or the appropriate agency;
• Certified True Copy of Autopsy Report ;
• Notarized sworn statement of identifying witness; and
• Criminal complaint/fiscal’s/prosecutor’s resolution (if applicable). 

The following must be submitted by the US Citizen or Resident:

• W9 Form (for US Person) https://www.irs.gov/pub/irs-pdf/iw9.pdf
• W8-BEN Form (if non-US Person) https://www.irs.gov/pub/irs-pdf/fw8ben.pdf

You may access this link for more information: https://www.irs.gov/forms-instructions.

The following must be submitted on top of the basic death claim requirements:

• Secretary’s Certificate/Board Resolution (Should indicate the name of the Authorized Representative/Signatory of the company);
• Valid government-issued ID bearing the signature of corporate secretary;
• Claimant’s Statement signed by the Authorized Signatory/ies;
• Valid government-issued ID bearing the signature of Authorized Signatory/ies; and
• FATCA requirements (if applicable) (Please refer to: Forms & Instructions | Internal Revenue Service (irs.gov)).

Living benefits are additional benefits usually covered under riders attached to your basic coverage that provide extra financial security for specified events occurring while the Insured is still alive.

The basic requirements for a Critical Illness claim are:

• Claimant’s Statement Form on  https://eclaim.manulife.com.ph/;
• Attending Physician’s Statement (APS) - specific to illness. If there is no specific APS, use "APS OTHERS" ;
• Discharge summary or clinical abstract or medical abstract of the latest hospitalization;
• Admission/Admitting record with past medical history;
• All available laboratory and tests results (as specified on the Attending Physician’s Statement);
• Outpatient consultation regarding signs / symptoms;
• Diagnostic treatment results;
• Histopathology or Biopsy Result, if applicable;
• Annual Physical Examination for the past 3 years, (if any); and
• Policyowner’s proof of account (photocopy of passbook or bank statement) corresponding to that provided in the Claimant’s Statement Form.

The basic requirements for a Hospital Income Benefit Claim are:

• Claimant’s Statement Form on  https://eclaim.manulife.com.ph/;
• Attending Physician’s Statement (APS) 6. CL Hospital Income Benefit Claim Form P1-2 copy (manulife.com.ph);
• Detailed Hospital Statement of Account (must show room & board charges);
• Medical Certificate; and
• Policyowner’s proof of account (photocopy of passbook or bank statement) corresponding to that provided in the Claimant’s Statement Form.

The basic requirements for a disability benefit claim are:

• Claimants Statement Form on  https://eclaim.manulife.com.ph/;
• Attending Physicians Statement (APS) accomplished by the insured’s specialist physician 9. CS Total and Permanent Disability Claim Form P1-4 copy (manulife.com.ph);
• Discharge summary or clinical abstract or medical abstract of the latest hospitalization;
• Admission/Admitting record with past medical history;
• All available laboratory and tests results (as specified on the Attending Physician’s Statement);
• Caregiving questionnaire;
• Complete Neurological exam (if stroke or related to neuro disease);
• SSS / GSIS approval regarding total disability (if any); and
• Policyowner’s proof of account (photocopy of passbook or bank statement) corresponding to that provided in the Claimant’s Statement Form.

The basic requirements for a Terminal Illness benefit claim are:

• Claimants Statement Form  https://eclaim.manulife.com.ph/;
• Attending Physicians Statement (APS) accomplished by the insured’s specialist physician 8. CS Major Disease-Critical-Terminal Illness Claim P1-2 copy (manulife.com.ph);
• Discharge summary or clinical abstract or medical abstract of the latest hospitalization;
• Admission/Admitting record with past medical history;
• All available laboratory and tests results (as specified in the Attending Physician’s Statement); and
• Policyowner’s proof of account (photocopy of passbook or bank statement) corresponding to that provided in the Claimant’s Statement Form.

The basic requirements for a female benefit claim are:

• Claimants Statement Form on  https://eclaim.manulife.com.ph/;
• Attending Physicians Statement (APS) 2. CL Female Benefit Form P1-2 copy (manulife.com.ph);
• Operating Room [OR] Report of the surgery;
• Discharge summary or clinical abstract or medical abstract of the latest hospitalization;
• Admission/Admitting record with past medical history;
• All available laboratory and tests results (as specified on the Attending Physician’s Statement); and
• Policyowner’s proof of account (photocopy of passbook or bank statement) corresponding to that provided in the Claimant’s Statement Form.

Maturities are one-time lumpsum amounts paid on your policy's maturity date.

Payouts are scheduled benefit proceeds of endowment policies like Success Builder, New Minds, Freedom Smart Minds, Moneymax, etc.

Please call Customer Care to inquire about your policy's maturity or payout at (02) 8884-7000 or domestic toll free at 1-800-1-888-6268 or email phcustomercare@manulife.com. You will need your:

1. Policy number
2. Complete name (First, Middle, and Last Name) of the policyowner
3. Contact details of the policyowner

Maturities and payouts can be claimed by policyowners or insured/beneficiaries (if policyowner is already deceased) who have an upcoming benefit payout.

If you have a valid and updated Philippine mobile number and email address with us, you will receive scheduled notifications through email and SMS reminding you of your upcoming benefit payout and the requirements you need to submit. You will also receive a notification once the payout has been credited to your nominated bank account.

To file for a claim, please submit the following requirements via email to phcustomercare@manulife.com, through your Financial Advisor/Sales Associate, or in any Manulife branch.

Basic requirements

1. Valid photo-bearing government-issued ID with three specimen signatures;

2. Complete bank account details (Bank Name, Account name, Account number, Branch of Account and Type of Account);

3. Accomplished Credit to Account (CTA) Form; and

4. Proof of Bank account (copy of passbook or deposit slip or online transaction showing the account name and account number).

List of Additional Requirements (based on specific circumstances)

If the policyowner (who is not the proposed insured) is deceased

1. Philippine Statistics Authority (PSA) copy or Certified True Copy of Death certificate
2. If no nominated beneficiaries:
   • Sole heir: Notarized Affidavit of Self-adjudication
   • Multiple heirs: Notarized Deed of Extra-judicial Settlement of Estate

If the Payee is below 18 years old and:

1. Total amount payable is less than or equal to PHP500,000.00
   • If the Trustee is the parent/s: Notarized Affidavit of Parental Care and Custody
   • If there's no designated Trustee:
     • If policy proceeds are below Php500,000, a minor beneficiary's father, or in the latter's absence or incapacity, the mother may claim the proceeds in behalf of the minor, as indicated in Republic Act 10607 (Revised Philippine Insurance Code).
   • If Trustee is someone other than the parents:
     • Notarized Substitute Parental Care
     • Notarized written waiver from the minor’s parents or PSA or Certified True Copy of Death Certificate if parents are already deceased. 
2. Total amount payable to minor is more than PHP500,000.00
   • Guardianship Bond

If the Payee is someone other than the policyowner:

1. Notarized Special Power of Attorney (SPA)
2. If SPA is executed outside of the country, document should be Consularized or Apostilled (as applicable)

If the name on the acceptable ID submitted does not match the name appearing in our records

1. Notarized Affidavit of One and the Same Person with explanation on why the names do not match
2. If name on the ID is married name: Philippines Statistics Authority (PSA) copy of Marriage Certificate

If the Payee is a US citizen/resident or has a US address

1. FATCA Requirements (for applicable form, please check the website, www.irs.gov )
2. Privacy and Self-declaration Form

You will receive your maturity or payout through your nominated bank account. If you haven't provided your account details yet, please fill out the Credit to Account (CTA) Form an email to Phcustomercare@manulife.com. You will get a notification from Manulife via email and SMS once your benefit/payout has been credited to your bank account.

Yes. You may email phcustomercare@manulife.com with instructions to apply your proceeds as premium payment.

If the maturity or payout proceeds will be used as premium payment for a policy that is owned by another person, please attach a Payor Information Form to your email request. 

Yes. You may email phcustomercare@manulife.com with instructions to use your proceeds as loan payment. Please note that, for some policies, proceeds will be automatically used to pay off any outstanding or unpaid loans as per policy provision.

You will receive your proceeds depending on the option you chose when you applied for your policy. To check this, please refer to your policy contract. You may also reach out to your Financial Advisor/Financial Sales Associate or call Customer Care for further assistance.

"Insurable interest" is a concept dealing with the legitimacy of a life insurance policy and its beneficiary. The intention of life insurance is to provide financial assistance to the beneficiary after the death of the insured. Most common beneficiaries are immediate family members, descendants, heirs, employers, established business partners and charities of the insured.

Beneficiaries may be designated as Revocable or Irrevocable.

 With Revocable Beneficiaries, owner CAN:

• change beneficiaries; and
• exercise all rights and privileges on the policy without the consent of the designated beneficiaries.

With Irrevocable Beneficiaries, owner CANNOT:

• change beneficiaries; and
• exercise any right or privilege on the policy without the consent of the beneficiaries, therefore: ALL POLICY CHANGES WILL HAVE TO BEAR THE SIGNATURE OF THE IRREVOCABLE BENEFICIARIES (must be of legal age).

Yes, you may change your beneficiary anytime as long as the policy is in force. If the current beneficiary is designated as irrevocable and is of legal age, his consent is necessary to effect the change. If the irrevocable beneficiary is a minor, he can only express his consent through a guardian duly appointed by the court.

Yes, you may change your beneficiary anytime as long as the policy is in force. If the current beneficiary is designated as irrevocable and is of legal age, his consent is necessary to effect the change. If the irrevocable beneficiary is a minThe ownership automatically reverts to the insured.  If insured is a minor, he can only act in his capacity as owner through a guardian duly appointed by the court.or, he can only express his consent through a guardian duly appointed by the court.

A policy can be assigned to any other person, bank or entity in consideration of a loan.

Below are the requirements for the purpose:

1. Assignment/Release of Assignment Form duly signed by the owner and designated irrevocable beneficiary/ies, if there is/are any.
2. Copy of the loan approval from the bank
3. Copy of two valid IDs (e.g. passport, driver’s license)

Submit these documents to Client Services in order to process the request.

The assignee should accomplish the Assignment/Release of Assignment Form and submit the completed form to Client Services Department. If assignee is a corporation (e.g. bank), the form should be signed by the company’s authorized signatory. A copy of Secretary’s Certificate or Board Resolution and valid ID of the signatory are also required.

The ownership of a certain plan policy can be transferred to another person or company.

These are the requirements:

1. Signed Transfer of Ownership Form
2. Copy of ID both of the old and new owner
3. Applicable processing fee
4. Plan Application Form*
5. Original plan contract
6. Non-medical Form*  (for ages 51-above)

*Forms may be secured through your Servicing Agent or Financial Sales Associate. Those are also available at the Head Office or any Branch Office.

The policy owner of a permanent policy that earns cash value beginning on the end of the second or third policy year, depending on the insurance plan and the insured’s age when the policy was issued, can avail of a loan. The policy owner may obtain a loan for an amount not exceeding the Total Cash Value.  

Below are the requirements in availing of cash loan:

1. Policy Loan Agreement Form duly signed by the insured/owner, irrevocable beneficiary/ies and assignee if there is/are any;
2. Copy of latest ID of the policyowner and irrevocable beneficiary;
3. An authorization letter signed by the insured/owner if a check loan will be released through a representative;
4. A duly certified court order appointing and authorizing the guardian to obtain a loan if the irrevocable beneficiary is a minor; and
5. Special Power of Attorney, if the policyowner is residing abroad, executed and duly authenticated by the Philippine Consulate nearest his place of residence.

Policy loan can be paid during the lifetime of the policy and at any amount convenient to the policy owner. The loan plus interest is indicated on the anniversary notice.

A Loan Repayment Schedule may also be requested. You may call our Customer Care at +632 8884 7000 or Toll Free Number 1-800-1-888-6268 or send an email to phcustomercare@manulife.com for the request.

All policy loan, whether cash or through premium loan are charged with interest computed at a fixed rate per annum. Interest is capitalized every policy anniversary and is compounded annually, if not paid.  If principal loan and interest are not paid on or before the policy anniversary, both will automatically become a new loan and interest will be charged accordingly.
 
If at any time the total amount of loan equals or exceeds the cash value, the policy will automatically terminate without any value on that date. In the event of a claim, the Company will deduct all loans and interest from the amount of proceeds under the policy.

If you own a participating policy, you are eligible to receive a policy dividend, an amount of money returned to the holder of a participating policy based on the company’s experience. Dividends are not guaranteed.

Whenever the performance of the Company is better than anticipated, assumed or projected, the policy owner participates in this good performance. Payment of a life insurance dividend indicates that the Company's operating expenses, risk selection and management experience have been better than expectations. Dividends are paid on a policy every anniversary beginning on the third or fourth policy year, depending on the product type.

Yes, you may request for an illustration that shows hypothetical policy performance over a number of years.  Illustrations demonstrate how a life insurance product works. Any annual dividends shown on the illustration reflect the dividend scale in effect when the illustration was created. The dividend scale is reviewed annually and it is very likely that dividends in future years will be higher or lower depending on the company’s actual experience.

No. Illustrations should not be used to project future performance, or as a means to compare products or companies. Dividend performance may and most likely will change over time. Illustrations are not intended to be and should not be used as estimates of future performance.

Purchase paid up additions if no other option is chosen.  These paid up additions have cash values and also earn additional dividends if the company declares any.

Reduce the premiums of your participating whole life insurance policy. Over a period of years the reduction can be considerable, making premium payments for your policy easier to handle.

Paid to you in cash. If you should choose this option, the company will send you a check each year.

Dividends can be left to accumulate interest at a rate set by the company.  The dividend accumulations may be used to pay any indebtedness or any premium due.  You may also wish to withdraw any accumulated dividends.
 

For a participating policy, dividends may be withdrawn depending on the dividend option elected in the application form.

To withdraw dividends, submit the following requirements:

1. Request for Dividend Withdrawal Form duly signed by the insured/owner; and
2. Copy of valid ID. 

To reinstate a lapsed policy:

1.    Pay all back premiums, interest and any other charges

2.    Accomplish the Reinstatement Form and submit to Client Services Department

• Reinstatement Form (for Life)
• Reinstatement Form (for Plans)
• Reinstatement Form (for Corporate)

Additional proof of insurability (e.g. medical examination) may also be required to reinstate the policy.

 
Note:  

• Life policy may be reinstated within three years from lapse date
• Plan policy may be reinstated within two years from lapse date

• Change of Plan*

1.    Fill out the Application for Policy Change Form

2.    Fill out the Reinstatement Form

• Reinstatement Form (for Life)
• Reinstatement Form (for Plans)
• Reinstatement Form (for Corporate)

3.    Submit the accomplished forms duly dated, witnessed, signed by the policyowner and countersigned by irrevocable beneficiary/ies, if any, to Client Services Department.

4.    Additional premiums should be paid, if needed.

* Application for change in plan should be made within six months from issue date. This is done only once in a lifetime of a policy.

• Correction of date of birth and age (Personal Details Change Form)
• Correction of Insured name (Policy Details Change Form)
• Correction of Beneficiary/ies name (Beneficiary Change Form)
• Change in the mode of payment (Policy Details Change Form)
• Address Change (Personal Details Change Form)

You may also write us a letter with your full name, policy number and correct address or send an email to phcustomercare@manulife.com

• Fill out the Declaration of Loss Form and submit it to your financial advisor.

Your Servicing Agent or Financial Advisor can provide details of your policy. You may also visit any of our Manulife office or call our Customer Care at +632 8884 7000 or Toll Free Number 1-800-1-888-6268.

You can also send written inquiry through our email address: phcustomercare@manulife.com

Your Servicing Agent or Financial Advisor may be reached through our trunk line +632 8884 7000 or Toll Free Number 1-800-1-888-6268.

A policyowner whose original agent has left the company will be assigned a new Servicing Agent or Financial Advisor. However, a policyowner can also request for a new Servicing Agent or Financial Advisor by sending Manulife a written request naming the new or preferred Servicing Agent or Financial Sales Associate and the reason for requesting the change.

You may add Critical Illness coverage as a rider* when you buy any of the following Manulife products:

Manulife Education Builder

Manulife Seasons 100

Manulife Freedom

YRT and React5

*Riders are additional benefits you can buy on top of a basic plan.
 

The Critical Illness benefit gives you a lump sum benefit if the insured is diagnosed with any of the 60 covered illnesses. These are*:

Diseases of the Circulatory System

1. Myocardial Infarction*
2. Coronary Artery Bypass Surgery*
3. Heart Valve Replacement*
4. Surgery to Aorta*
5. Cardiomyopathy
6. Other Serious Coronary Artery Disease
7. Primary Pulmonary Arterial Hypertension
8. Severe Infective Endocarditis
9. Eisenmenger’s Syndrome

Diseases of the Nervous System

1. Stroke*
2. Benign Brain Tumor*
3. Multiple Sclerosis*
4. Amyotrophic Lateral Sclerosis*
5. Parkinson's Disease*
6. Poliomyelitis*
7. Encephalitis*
8. Alzheimer's Disease Apallic Syndrome
9. Brain Surgery: Creutzfeldt-Jakob Disease (CJD)
10. Major Head Trauma
11. Myasthenia Gravis
12. Progressive Supranuclear Palsy
13. Bacterial Meningitis
14. Surgery for Idiopathic Scoliosis

Diseases of the Excretory System

1. Kidney Failure*
2. Medullary Cystic Disease*

Diseases of the Muscular System

1. Muscular Dystrophy*
2. Progressive Bulbar Palsy*
3. Progressive Muscular Atrophy*
4. Hemolytic Streptococcal Gangrene*

Hematology-Related Disease

1. Aplastic Anemia*

Specific Diseases

1. Cancer*
2. Major Organ Transplantation*
3. Coma*
4. Terminal Illness*
5. Major Burns*
6. Occupationally Acquired HIV*
7. Necrotizing Fasciitis
8. Pheochromocytoma
9. Elephantiasis
10. Loss of Independent Existence
11. Addison’s Disease
12. HIV due to Blood Transfusion

Forms of Disability

1. Paralysis*
2. Blindness*
3. Loss of Limbs*
4. Loss of Hearing*
5. Loss of Speech*
6. Total and Permanent Disability*
7. Amputation due to Complication from Diabetes

Disease of the Respiratory System

1. End-Stage Lung Disease*

Diseases of the Digestive System

1. Chronic Liver Disease*
2. Chronic Relapsing Pancreatitis*
3. Crohn's Disease
4. Fulminant Hepatitis
5. Severe Ulcerative Colitis

Collagen Diseases

1. Severe Rheumatoid Arthritis*
2. Systemic Lupus Erythematosus*
3. Progressive Scleroderma

*Critical Illnesses covered by Health Choice, Adam, and Eve
 

Critical illness coverage is available for ages 15-60.  There are instances where the maximum age is lower*. Underwriting guidelines also apply. 

*Up to age 55 for all 5-pay periods, Freedom 15 and 20, and up to age 45 for Freedom at 65.
 

You will be covered up to age 75.  For 5-year payment periods, coverage is 20 years or up to age 75, whichever comes first.

*For Freedom series, critical illness coverage terminates at the end of the policy term or attained age 75, whichever comes first.
 

Critical illness benefit is paid out on top of your basic life coverage and other additional benefits. Once it is paid out, it will not affect the other benefits of your policy.
 

365 Ready provides customers with the following insurance plan options:

• 365 Ready Health - a health and life insurance that provides cash benefits upon diagnosis of any of the top 6 critical illnesses like cancer*, heart attack, stroke, coronary artery bypass surgery, kidney failure, end-stage lung disease, or untimely death. 
• 365 Ready Duo – combines both life and personal accident coverage in one plan
• 365 Ready Life – provides life insurance coverage
• 365 Ready Accident – provides personal accident coverage

365 Ready plans are designed to provide coverage at affordable prices.

• 365 Ready Duo – starts at Php 448/year*
• 365 Ready Life – starts at Php 249/year*
• 365 Ready Accident – starts at Php 199/year*
• 365 Ready Health - starts at Php 1,499/year*

*Price may vary based on the coverage amount

365 Ready plans have already been fully decommissioned and are no longer available for purchase. If you need assistance finding an alternative plan or would like recommendations based on your coverage needs, we’ll be happy to help. Just click and fill-out this form to get assistance from our professional financial advisor (link to leads form).

You can buy 365 Ready plans as long as you are:

• 18-45 years old, a Filipino citizen, and a resident of the Philippines
• Currently in the Philippines during the application
• In good health as described in the Declaration and Agreements of the 365 Ready products
• Not involved in hazardous occupations such as military personnel, miner, detective, logger, politician, jeepney, or pedicab driver, crew member of a domestic vessel, non-officer of an international vessel, or any occupation of equal hazard
• Both the policy owner and policy insured

You can buy one (1) policy each of 365 Ready Health, 365 Ready Life, and 365 Ready Accident.

If you already bought 365 Ready Duo, which provides both life and accident coverage, you can no longer purchase 365 Ready Life or 365 Ready Accident.

Same goes with 365 Ready Life or 365 Ready Accident, if you already have any of these policies, you can no longer buy 365 Ready Duo.

365 Ready plans have already been fully decommissioned and are no longer available for purchase. If you need assistance finding an alternative plan or would like recommendations based on your coverage needs, we’ll be happy to help. Just click and fill-out this form to get assistance from our professional financial advisor (link to leads form).

No. You can only purchase a 365 Ready plan for yourself using your credit or debit card.

Yes. You may nominate one (1) beneficiary who will receive the benefits of your 365 Ready policy. You may choose to nominate any of the following:

• Spouse
• Common-law partner
• LBGTQIA partners
• Father or mother
• Brother or sister
• Your child aged 18 years old and above
• Yourself

Please note that your beneficiary should be a Filipino citizen residing in the Philippines.

You may pay in Manulife Shop using your Debit Card or Credit Card powered by Visa or MasterCard. The card should be under your name to make your payment valid.

Your coverage or the effective date of your policy starts as soon as you pay your premium and receive confirmation of your payment.

Please email phcustomercare@manulife.com using the subject line: 365 Ready Policy Contract Request. You may also call us at 02 8884 7000 or Domestic Toll-Free Hotline (1800) 1888 6268 for assistance.

You will be covered for one (1) year starting on your policy effective date. You may also renew your coverage every year until age 55, as written in your policy contract. Your premium amount is fixed and will not change upon renewal.

We will send you an email with a link to renew your coverage one (1) month before your policy effective date ends. 

Yes. If you decide that the policy is not suitable to your needs, you may return it within fifteen (15) days and we will refund your premium. This is the 15-day Cooling Off Period, which starts on your policy effective date.

Yes. Should there be any inconsistencies with your declared information, or it did not meet the terms and conditions of our 365 Ready Plans, we will have to cancel your policy and refund your premium.

You may email phcustomercare@manulife.com or call +632 8884 7000 or Domestic Toll-Free Hotline (1800) 1888 6268 to file a claim.

You qualify for this benefit if, because of an injury, you are unable to work and placed under the regular care of a doctor, and if the disablement has become total, continuous, and permanent after one year.

You may also call Customer Care at +632 8884 7000 or Domestic Toll-Free Hotline (1800) 1888 6268 and email us at phcustomercare@manulife.com.