There are probably many claims that are rejected in the course of these. So to avoid disappointment, off the top of my head, here’s what you should keep in mind:

• Read contract: what’s covered, what’s not, is there any minimum bill need to be charged before claim is valid, and some finer details.
• Most importantly, declare as much as you can any health issues when applying for insurance. Insurance payout may be voided if there are discrepancies. Then all of those premiums you’ve been paying will go down the drain.

Manulife Q1 Claims statistics

Download here.