Get your claims processed quickly

One of the best things about Group benefits insurance is knowing some of your health and dental expenses are covered by your plan.

Goodbye cheques ... Hello direct deposit!

Manulife is shifting to a fully digital claims experience. The best part about it? You get your money back faster.


Before you incur any health or dental expenses, it’s important to know what your plan covers and what it doesn’t. Take some time to review any information materials, like your benefits booklet* (see the ‘Your coverage’ tab), and consider these health expense categories before you spend any money: prescription drugs, medical equipment and provider coverage.

Prescription drugs

In some cases, a drug you’ve been prescribed may need to go through a pre-approval process. That’s because the exact drugs covered under your plan may differ from other plans, depending on the benefits your employer provides.

You can confirm if a drug is covered under your plan by reviewing your benefits booklet. If you’re still not sure, simply send us the following information to confirm:

  • drug name
  • DIN number (Drug Identification Number)
  • method for taking the drug
  • dose of the drug
  • where the drug is given (if applicable)
  • Drug prior authorization form  (Google Chrome: Right-click the link and select Save link as... to download the form)

Estimates and preapprovals

For expensive equipment or procedures, before you buy, it’s always a good idea to check that your claim will be covered when you send it in. You can ask your medical service or equipment provider to provide you with a cost estimate. You can then send it in for us to review.

To send your estimate to us online, go to the plan member site for your group benefits, sign in and attach a copy of your estimate. Make sure you clearly label it as an ‘estimate’ (not a cost you've already incurred) so that we know exactly what you need.

We recommend your providing us a cost estimate for the following:

  • Medical equipment that costs more than $500
  • Expensive dental work (your dentist knows what we need, and most can submit an estimate directly to us for you, or you can submit it to us yourself online)

Make sure your provider is covered

Manulife covers claims from many providers, but not all. To find an approved provider, or check to make sure we cover yours:


Before you incur any health or dental expenses, remember the following:

Your benefits may not cover everything

To find out more about your plan and what’s covered, check your benefits booklet or ask your plan administrator for more information. To find your benefits booklet:

  • Sign in to your plan member secure site
  • Click on ‘My benefits’ in the top menu bar
  • In the dropdown, look for ‘Benefits booklet’
  • Click on the link to open your benefits booklet

Another health plan may cover some of your expenses

Another health plan may help cover some of your expenses. If that’s the case, please send us a statement indicating how much of your claim the other plan paid. We call the process of getting expenses covered by more than one plan Coordination of benefits, or COB.

Your province’s health plan may also cover some of your expenses

Your province’s health plan may also help cover some of your medical and health expenses. To find out if that’s the case:

  • Ask your doctor or health professional if your province’s health plan covers part of the cost.
  • If you sent a claim to your province’s health plan and they turned it down, send us a statement from them explaining their decision.
  • If your province’s health plan should cover your claim, but you’re not sending a claim to them, provide us a note to tell us why.
For more information about provincial health plans across Canada, follow these links:
 


In some cases, your provider can submit your claim directly to Manulife on your behalf. To confirm if that’s the case, please check with your provider.

If filing a claim yourself, depending on the claim, you may need to send us additional information, including pictures, receipts, images or x-rays. Click on the links below to learn more about certain claims and what you need to send us to get your claim covered.

Note that you can send us a picture instead of mailing us a paper copy of an item or receipt, but please make sure that the picture you send us is clear (if the picture is blurry and we can’t see the details, we’ll have to ask you to send it to us again).

Here’s what you need to include with your claim:

  • a copy of the original receipt that shows:
    • the name of the person who needed the ambulance
    • the date of service
    • a description of the service

Here’s what you need to include with your claim:

  • a medical doctor’s referral
  • a copy of any statements you get from your provincial plan
  • a copy of the original receipt that shows:
    • the name of the person who needs the prosthesis
    • the date of service
    • the cost of the prosthesis

If this prosthesis is a replacement, and you are not claiming the new prosthesis through your province’s health plan, or if coverage was declined, include a medical doctor’s referral that shows:

  • the age of the existing prosthesis
  • the reason it is being replaced
  • the reason why the province’s plan won’t cover it, or why you didn’t claim it through your province’s plan

If you are submitting a claim for a repair, include an estimate for repair that shows:

  • the type of prosthesis being repaired
  • the cost to repair
  • the age of the prosthesis

Here’s what you need to include with your claim:

  • a copy of the original receipt that shows:
    • the name of the person being tested
    • the name of the test
    • where the test was done
    • a breakdown of the costs
    • the total amount charged for the test

Here’s what you need to include with your claim:

  • a copy of the original receipt that shows:
    • the name of the person who needs the hearing aid
    • the date of service
    • the cost of the hearing aid
  • a copy of any statements you get from your provincial plan
  • if your province’s health plan doesn’t pay for any of the hearing aid cost, include a medical doctor’s referral if the hearing aid costs more than $3000.00

Here’s what you need to include with your claim:

  • a medical doctor’s referral that shows:
    • why you need the product
    • diagnosis or medical condition you need the product for
    • the medical reasons why you need a hospital bed rather than a regular bed
    • an estimate for how long you’ll need the hospital bed
  • a receipt that shows either the rental cost or the purchase price for the hospital bed
  • a quote with the cost for buying the equipment, if you’re renting the item
  • a copy of any statements you get from your provincial plan

Insulin pump supplies are a type of medical equipment.

Here’s what you need to include with your claim:

  • a copy of the original receipt that shows:
    • the name of the person who needs the equipment
    • the date of purchase
    • a description of the items
  • Include one of these documents:
    • a medical doctor’s referral that includes a diagnosis or medical condition you need the product for
    • a statement from your province’s health plan confirming that they cover the supplies

We only pay for expenses that are more than your provincial grant amount.

Here’s what you need to include with your claim:

  • a medical doctor’s referral that shows:
    • why you need the equipment
    • how long you’ll need the equipment
    • a description of activities the equipment will be used for
  • tell us if you’re buying this equipment for the first time, or tell us the reason you’re replacing this equipment
    • if you’re replacing this equipment, tell us how old it is and why you’re replacing it
  • a copy of the original receipt that shows:
    • the name of the person who needs the equipment
    • the date of purchase
  • a quote with the cost for buying the equipment, if you’re renting the item
  • a copy of any statements you get from your provincial plan

We may ask you for more information to help us check your claim.

Here’s what you need to include with your claim:

  • a medical doctor’s referral that shows:
    • why you need the product
    • diagnosis or medical condition you need the product for
  • a copy of the original receipt that shows:
    • the name of the person who needs the shoes
    • a breakdown of the expenses
    • the date the shoes were given out, or the date you fully paid for them
  • a copy of any statements you get from your provincial plan
  • for custom shoes only: a receipt showing that the shoes were made from a last of the person’s feet — a last is a model of a person’s feet that the shoes are built on

Slippers, workboots, and sandals are not covered.

Here’s what you need to include with your claim:

  • a referral showing the medical reason for the orthotics
  • copies of the biomechanical evaluation and gait analysis
  • a description of how the orthotics were created, which must include:
    • casting technique
    • type of raw materials used
  • a copy of the original receipt that shows:
    • the orthotics have been given out to you, or
    • you’ve fully paid for them

You can attach this information as one file, or a few separate files. Your referral may need to be from a licensed doctor, podiatrist, or chiropodist. Some plans may have different rules for referrals. Check your booklet to find out yours.

Here’s what you need to include with your claim:

  • a medical doctor’s referral that shows:
    • the medical reason for the oxygen
    • an estimate for how long you’ll need oxygen therapy
    • confirmation that you are able to move on your own. If yes, how many hours per day and per week?
    • whether you are able to leave your home
  • an estimate from the oxygen supplier that includes:
    • a description of the oxygen system and reasons they recommend that system
    • the cost to buy the system, including accessories
    • if you can’t buy the system, what is the cost to rent, including accessories?
    • if you need more than one type of oxygen system, tell us why the second system is needed
  • any supporting oximetry reports
  • a copy of any statements you get from your provincial plan

Send in an estimate before you send in your claim.

Here’s what you need to include with your claim:

  • a letter from a medical doctor that shows:
    • a diagnosis and description of the medical condition
    • an estimate for how long the patient will need nursing care
    • how many hours per day is care needed?
    • a list of orders for the care
    • a copy of the doctor’s order for nursing care
    • a list of drugs the nurse will be giving, including strength, dosage, and method of administration
    • a confirmation of the level of nursing needed (R.N., R.P.N., L.P.N., Health Care Aide, etc.)
    • where the services will be provided (the patient’s home, hospital, nursing home, other)
  • information from the nursing company:
    • the name and address of the agency providing the services
    • the type of nurse they are sending and the hourly rate
  • if your province’s home care program is also providing nursing care in the home, include a detailed description of their services, including:
    • how many hours per week your province’s home care plan covers
    • a description of who is providing the service (their title and whether they’re an RN, RPN, or PSW)
    • if the home care plan doesn’t cover service, explain why it isn’t covered

Here’s what you need to include with your claim:

  • a medical doctor’s referral (once every 12 months) that shows:
    • why you need the stockings
    • the diagnosis or medical condition you need the stockings for
  • a statement showing your provincial plan paid part of the cost (if needed)
  • a copy of the original receipt that shows:
    • the name of the person who needs the stockings
    • the date of the service
    • a breakdown of the expenses
    • the gradient or compression factor
    • the stocking style (knee high or full length)
  • a description of activities the stockings will be worn for
  • indication of whether the stockings were custom-made or stock
Looking for compression products? AccuCare’s online shop makes it easy to find the best product for your needs, right from the comfort of your home.

Here’s what you need to include with your claim:

  • a copy of the original receipt that shows:
    • the name of the person who needs the supplies
    • the date
    • the full cost of the supplies
  • a copy of any statements you get from your provincial plan

We only pay for expenses that are more than your provincial grant amount.

Here’s what you need to include with your claim:

  • a medical doctor’s referral that shows:
    • the medical reason for the wheelchair
    • the type of wheelchair – is it a scooter, a manual wheelchair, or an electric wheelchair?
    • an estimate for how long you’ll need the wheelchair
    • if you already have a wheelchair, how old is it and why are you replacing it?
    • if the doctor is recommending an electric wheelchair, they should include details about why they are recommending electric instead of manual
    • the note should tell us:
      • if you can move a manual wheelchair on your own
      • how far you can move it
      • what activities you’ll use the wheelchair for
    • how long will the wheelchair help you to move on your own

This information helps us understand what type of equipment your doctor thinks you can operate.

  • a copy of any statements you get from your provincial plan
  • a copy of the original receipt that shows:
    • the name of the person who needs the wheelchair
    • the date of purchase
    • a breakdown of costs, including any accessories

For ‘out of province’ coverage or ‘out of country’ medical referrals:

If you need medical help when traveling out of province, send your claim to your province’s health plan first, as many items should be covered. You can then send us copies of your receipts along with the statement that shows what was covered by your provincial plan.

Here’s what you need to include with your claim:

  • a copy of the original receipt that shows:
    • the name of the person being treated
    • the diagnosis or medical condition the person was treated for
    • the date of service
    • the details and cost for each service
    • the details of any discounts you received
    • your Allianz case number, if you were travelling outside of Canada
  • whether the person was treated for the same diagnosis or medical condition before leaving Canada
  • the dates of the trip, including when the person left Canada, when they came back to Canada, and where they were travelling to
  • whether the person was covered under any other travel or group insurance plan

Here’s what you need to include with your claim:

  • a medical doctor’s referral that:
    • explains the diagnosis
    • confirms the referral
  • statements showing any payment or decline from your province’s health plan
  • a copy of the original receipt that shows:
    • the name of the person receiving the service
    • the date of service
    • the details and cost for each service


Here’s some help on how to send your claim in to us.

Collect your receipts

Put together all of the official receipt(s) from your health care provider(s). They should show a description of the product or service you paid for (we don’t need the credit card receipt or statement, just the provider’s official receipt from their office or store).

Submit your claim

Online

Step 1 – Sign in to your plan member secure site. To do so, you need:

  • your plan contract number
  • member certificate number
  • the password you set up when you registered your account

Step 2 – Once signed in, click on ‘Claims’ in the top menu bar, and under ‘Submit a claim’ choose between:

  • health and dental claim
  • disability claim
  • or click on claim forms to find the appropriate form for your specific type of claim

If you are submitting a disability claim, you’ll be asked to provide some information and documentation to support your claim:

  • From your doctor: Attending Physician’s Statement (APS) form
  • From you: Plan member authorization, certification and agreement form

For a life and critical illness claim, you’ll be asked to provide some information and documentation to support your claim. 

Simply attach any supporting documents, if required (i.e., receipts, provincial coverage details, statements from other health plans). And that’s it!

Mobile app

Download the iOS or Android app, sign in, and submit your claims on the go! You may be asked to provide a receipt for your claim. Just scan or take a picture of it, attach it digitally, and send in the claim through the app.

Paper claims

If you would still like to send us a paper claim, you can do that too. Here’s how:

  • Once you sign in to your secure site, follow the prompts for your type of claim.
  • Fill in the form, print it out, and follow the mailing instructions included right on the form. Here are some helpful links (when you click on the link, it may take a moment for the form to open):
  • Remember to include and attach to your claim any supporting documents requested (e.g., receipts, provincial coverage details, statements from other health plans).

If you need help submitting your claim, you can get in touch with your plan administrator, or contact us Monday to Friday, 8am to 8pm ET.


How long does it take to process a claim?

It takes up to five business days to process a claim, provided you include all receipts and/or paperwork required to support the claim (when you first sent it in). Otherwise, the process may take longer.

If you have direct deposit, add one or two more business days for funds to be deposited into your account. If you receive your money by cheque, please add standard mailing timelines to that (to allow time for mail delivery).