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Manulife Financial

 Association Health & Dental Plans

Personal Plans for Individuals, Small Businesses and Associations

If you are not covered by a group health and dental plan, are self-employed, or are a small business owner, the Association Health and Dental Plan can be right for you.

Also The Association Health and Dental Plans offer an individual health and dental insurance plans to small or large associations and small businesses. Each member can select the appropriate plan option to suit their individual needs.

 

Get a Free Quote and Apply Online

 

Summary of Benefits

 

    Health & Dental Plans

  • Base Health&Dental 

  • Bronze Health&Dental  

  • Silver Health&Dental

  • Gold Health&Dental

  

    Dental Plans

  • Base Dental

  • Bronze Dental

  • Silver Dental

  • Gold Dental

 


 

Base
(No medical questionnaire required)

 
Dental Services
Covers basic services, paid at a percentage of the current Dental Fee Guide or the reasonable and customary charge in your province of residence.
  • Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic and other basic dental services: 70%
  • Reimbursement on extensive services including endodontics, periodontics and denture services: 70%
  • Reimbursement on crowns, bridges, dentures and orthodontics: Not covered
  • Anniversary year maximums: $400 per year
  • Recall visits: 9 months

 

Prescription Drugs
  • Generic vs Brand-Name coverage: Generic
  • Shared Dispensing Fee: $6.50 maximum
  • Birth control and fertility drugs: Not covered
  • Reimbursement on first amount per anniversary year: 70% on first $750
  • Reimbursement on next amount per anniversary year: None

Vision Care

Covers the costs to purchase prescription lenses and frames and/or contact lenses. This benefit does not include industrial safety glasses.
  • $100 per 2 years plus $50 for Optometrist visits

Accidental Death and Dismemberment
Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.
  • Maximum: $10,000 per adult
  • Maximum: $4,000 per child or senior over 65

Travel Coverage
(to age 65)

Covers emergency hospital /medical expenses while travelling outside your province or territory of residence and access to a 24-hour worldwide medical assistance centre up to a maximum of $5,000,000 per trip.
  • Number of trips per year: Unlimited
  • Maximum trip length: 5 days

Survivor Benefit
Provides survivor benefit for continuous coverage for 1 year, following the death of subscriber or co-subscriber
  • Maximum: Available 1 year after policy effective date

 

EXTENDED HEALTH CARE:

Registered Specialists and Therapists
Includes visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Social Workers and Speech Therapists.

Registered Specialists and Therapists

  • Maximum claims paid: $300 per specialist/therapist
  • Per visit maximum: $20
  • Chiropractic x-rays: $35 per year

Psychologist/Social Worker

  • Maximum per first visit: $80
  • Maximum per subsequent visit: $65
  • Maximum visits per year: 10

Speech Therapist

  • Maximum per first visit: $65
  • Maximum per subsequent visit: $45
  • Maximum visits per year: 10

Lifeline Response Service

Provides 24-hour monitoring service for people coping with medical problems at home.
  • Maximum: 3 months per lifetime

Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment

Covers the services of registered health professionals including Registered Nurse, Registered Nursing Assistant or healthcare aid; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheel-chairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife Financial. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies. Payment will be coordinated where benefits are available through the Assistive Devices Program.

  • For each of Homecare & Nursing, Prosthetic Appliances and Durable Medical Equipment:
Year 1: $1,000 Year 2: $1,300
Year 3 :$1,500 Year 4: $2,000
Year 5+: $2,500
  • Custom-made Orthotics - $225 per year

Hearing Aids
Covers the cost to purchase and /or repair up to the allowed maximum.
  • Maximum: $300 per 4 year period

Ambulance Services
Covers trips to hospitals in a licensed ground ambulance. Covers charges up to the amount between what your provincial health plan covers and what is reasonable and customary. Air ambulance is payable only after provincial health insurance plan maximum has been reached, if applicable.
  • Maximum: Unlimited ground transport
  • Maximum: $4,000 maximum air ambulance

Accidental Dental
Covers dental treatment required as a result of an accidental blow to the head or mouth. Treatment must be sought within the 90-day period following the accident.
  • Maximum: $2,000 per year

 

Health Service Navigator®
With Health Service Navigator, you and your eligible family members can quickly and easily get answers to your questions and access to support services. Easily accessible on the web or with a simple call to a dedicated toll-free line, you will be connected to Health Service Navigator where you can receive information, medical coordination services and resources on how to navigate the Canadian health care system. And, if you want a second opinion from a world-class hospital, Health Service Navigator will help you get it.

Lifetime Maximum

  • $100,000
Back to Top

 

 

 

     


Bronze
(Medical questionnaire required)

     
     
Dental Services
     
      Covers basic services, paid at a percentage of the current Dental Fee Guide or the reasonable and customary charge in your province of residence.      
 
     
  • Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic and other basic dental services: 70%
  • Reimbursement on extensive services including endodontics, periodontics and denture services: 70%
  • Reimbursement on crowns, bridges, dentures and orthodontics: Not covered
  • Anniversary year maximums: $500 per year
  • Recall visits: 9 months
     
     
Prescription Drugs
     
     
  • Generic vs Brand-Name coverage: Generic
  • Shared Dispensing Fee: $6.50 maximum
  • Birth control and fertility drugs: Not covered
  • Reimbursement on first amount per anniversary year: 70% on first $500
  • Reimbursement on next amount per anniversary year: 80% on next $2,500
     
     
Vision Care
     
     

Covers the costs to purchase prescription lenses and frames and/or contact lenses. This benefit does not include industrial safety glasses.

     
 
     
  • $100 per 2 years plus $50 for Optometrist visits
     
     
Accidental Death and Dismemberment
     
      Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.      
 
     
  • Maximum: $12,500 per adult
  • Maximum: $5,000 per child or senior over 65
     
     
Travel Coverage (to age 65)
     
     

Covers emergency hospital /medical expenses while travelling outside your province or territory of residence and access to a 24-hour worldwide medical assistance centre up to a maximum of $5,000,000 per trip.

     
 
     
  • Number of trips per year: Unlimited
  • Maximum trip length: 9 days
     
     
Survivor Benefit
     
      Provides survivor benefit for continuous coverage for 1 year, following the death of subscriber or co-subscriber      
 
     
  • Maximum: Covered
     
     
EXTENDED HEALTH CARE:
     
 
     

Registered Specialists and Therapists

Includes visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Social Workers and Speech Therapists.

Registered Specialists and Therapists

  • Maximum claims paid: 80% to a maximum of $450 per specialist/therapist
  • Per visit maximum: Not Applicable
  • Chiropractic x-rays: $35 per year

Psychologist/Social Worker

  • Maximum per first visit: $80

  • Maximum per subsequent visit: $65
  • Maximum visits per year: 10

Speech Therapist

  • Maximum per first visit: $65
  • Maximum per subsequent visit: $45
  • Maximum visits per year: 10
     
     
Lifeline Response Service
     
      Provides 24-hour monitoring service for people coping with medical problems at home.      
 
     
  • Maximum: 3 months per lifetime
     
     
Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment
     
     

Covers the services of registered health professionals including Registered Nurse, Registered Nursing Assistant or healthcare aid; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheel-chairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife Financial. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies. Payment will be coordinated where benefits are available through the Assistive Devices Program.

     
 
     
  • Homecare & Nursing: $2,500 per year
  • Prosthetic Appliances: $2,500 per year
  • Durable Medical Equipment: $2,500 per year
  • Custom-made Orthotics - $225 per year
     
     
Hearing Aids
     
      Covers the cost to purchase and /or repair up to the allowed maximum.      
 
     
  • Maximum: $300 per 4 year period
     
     
Ambulance Services
     
     

Covers trips to hospitals in a licensed ground ambulance. Covers charges up to the amount between what your provincial health plan covers and what is reasonable and customary. Air ambulance is payable only after provincial health insurance plan maximum has been reached, if applicable.

     
 
     
  • Maximum: Unlimited ground transport
  • Maximum: $4,000 maximum air ambulance
     
     
Accidental Dental
     
     

Covers dental treatment required as a result of an accidental blow to the head or mouth. Treatment must be sought within the 90-day period following the accident.

     
 
     
  • Maximum: $2,000 per year
     
     
Health Service Navigator®
     
     

With Health Service Navigator, you and your eligible family members can quickly and easily get answers to your questions and access to support services. Easily accessible on the web or with a simple call to a dedicated toll-free line, you will be connected to Health Service Navigator where you can receive information, medical coordination services and resources on how to navigate the Canadian health care system. And, if you want a second opinion from a world-class hospital, Health Service Navigator will help you get it.

     
 
     
Lifetime
Maximum
     
 
     
  • $250,000
     
   Back to Top

 
     


Silver
(Medical questionnaire required)

     
     
Dental Services
     
     

Covers basic services, paid at a percentage of the current Dental Fee Guide or the reasonable and customary charge in your province of residence.

     
 
     
  • Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic and other basic dental services: 80%
  • Reimbursement on extensive services including endodontics, periodontics and denture services: 80%
  • Reimbursement on crowns, bridges, dentures and orthodontics: Not covered
  • Anniversary year maximums: Year 1: $500; Year 2 and beyond: $900
  • Recall visits: 9 months
     
     
Prescription Drugs
     
     
  • Generic vs Brand-Name coverage: Generic
  • Shared Dispensing Fee: $7.50 maximum
  • Birth control and fertility drugs: Covered
  • Reimbursement on first amount per anniversary year: 70% on first $500
  • Reimbursement on next amount per anniversary year: 100% on next $4,650
     
     
Vision Care
     
      Covers the costs to purchase prescription lenses and frames and/or contact lenses. This benefit does not include industrial safety glasses.      
 
     
  • $150 per 2 years plus $50 for Optometrist visits
     
     
Hospital Benefits
     
     

Preferred hospital accommodation in excess of the standard ward room rate made by a general (acute care) hospital. Also included is a cash benefit in lieu of the room cost for each day you are not able to obtain preferred accommodation.

     
 
     
  • Type of accommodation: Semi-private only
  • Maximum charge per day: $150
  • Reimbursement per anniversary year: 100% on first 30; 50% on next 100 days
  • Cash benefit in lieu of accommodation:
-Per Day: $25 payable starting on the fourth day
-Maximum: $750
 
     
     
Accidental Death and Dismemberment
     
     

Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.

     
 
     
  • Maximum: $25,000 per adult
  • Maximum: $10,000 per child or senior over 65
     
     
Travel Coverage (to age 65)
     
     

Covers emergency hospital /medical expenses while travelling outside your province or territory of residence and access to a 24-hour worldwide medical assistance centre up to a maximum of $5,000,000 per trip.

     
 
     
  • Number of trips per year: Unlimited
  • Maximum trip length: 17 days
     
     
Survivor Benefit
     
      Provides survivor benefit for continuous coverage for 1 year, following the death of subscriber or co-subscriber      
 
     
  • Maximum: Covered
     
  

  


EXTENDED HEALTH CARE:

     
     

Registered Specialists and Therapists

Includes visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Social Workers and Speech Therapists.

Registered Specialists and Therapists

  • Maximum claims paid: 90% to a maximum of $600 per specialist/therapist
  • Per visit maximum: Not Applicable
  • Chiropractic x-rays: $35 per year

Psychologist/Social Worker

  • Maximum per first visit: $80

  • Maximum per subsequent visit: $65
  • Maximum visits per year: 12

Speech Therapist

  • Maximum per first visit: $65
  • Maximum per subsequent visit: $45
  • Maximum visits per year: 12
     
     
Lifeline Response Service
     
      Provides 24-hour monitoring service for people coping with medical problems at home.      
 
     
  • Maximum: 6 months per lifetime
     
     
Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment
     
     

Covers the services of registered health professionals including Registered Nurse, Registered Nursing Assistant or healthcare aid; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheel-chairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife Financial. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies. Payment will be coordinated where benefits are available through the Assistive Devices Program.

     
 
     
  • Homecare & Nursing: $3,500 per year
  • Prosthetic Appliances: $3,500 per year
  • Durable Medical Equipment: $3,500 per year
  • Custom-made Orthotics - $225 per year
     
     
Hearing Aids
     
      Covers the cost to purchase and /or repair up to the allowed maximum.      
 
     
  • Maximum: $400 per 4 year period
     
     
Ambulance Services
     
     

Covers trips to hospitals in a licensed ground ambulance. Covers charges up to the amount between what your provincial health plan covers and what is reasonable and customary. Air ambulance is payable only after provincial health insurance plan maximum has been reached, if applicable.

     
 
     
  • Maximum: Unlimited ground transport
  • Maximum: $4,000 maximum air ambulance
     
     
Accidental Dental
     
     

Covers dental treatment required as a result of an accidental blow to the head or mouth. Treatment must be sought within the 90-day period following the accident.

     
 
     
  • Maximum: $2,500 per year
     
     
Health Service Navigator®
     
     

With Health Service Navigator, you and your eligible family members can quickly and easily get answers to your questions and access to support services. Easily accessible on the web or with a simple call to a dedicated toll-free line, you will be connected to Health Service Navigator where you can receive information, medical coordination services and resources on how to navigate the Canadian health care system. And, if you want a second opinion from a world-class hospital, Health Service Navigator will help you get it.

     
 
     
Lifetime Maximum
     
     
  • $350,000
     
   Back to Top

 
     


Gold
(Medical questionnaire required)

     
     
Dental Services
     
      Covers basic services, paid at a percentage of the current Dental Fee Guide or the reasonable and customary charge in your province of residence.      
 
     
  • Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic and other basic dental services: 80%
  • Reimbursement on extensive services including endodontics, periodontics and denture services: 80%
  • Reimbursement on crowns, bridges, dentures and orthodontics: Year 1 & 2: 0%; Year 3 and beyond: 60% ($800 maximum every 2 consecutive years)
  • Anniversary year maximums: Year 1: $750; Year 2: $1,000; Year 3: $1,200; Year 4: $1,200; Year 5 and beyond: $1,500
  • Recall visits: 6 months
     
     
Prescription Drugs
     
     
  • Generic vs Brand-Name coverage: Brand-name
  • Shared Dispensing Fee: Covered
  • Birth control and fertility drugs: Covered
  • Reimbursement on first amount per anniversary year: 90% on first $2,222
  • Reimbursement on next amount per anniversary year: 100% on next $8,000
     
     
Vision Care
     
      Covers the costs to purchase prescription lenses and frames and/or contact lenses. This benefit does not include industrial safety glasses.      
 
     
  • $250 per 2 years plus $50 for Optometrist visits
     
     
Hospital Benefits
     
     

Preferred hospital accommodation in excess of the standard ward room rate made by a general (acute care) hospital. Also included is a cash benefit in lieu of the room cost for each day you are not able to obtain preferred accommodation.

     
 
     
  • Type of accommodation: Semi-private & private
  • Maximum charge per day: $200
  • Reimbursement per anniversary year: 100% for complete year
  • Cash benefit in lieu of accommodation:
-Per Day: $50 payable starting on the first day
-Maximum: $3,000
     
     
Accidental Death and Dismemberment
     
      Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.      
 
     
  • Maximum: $50,000 per adult
  • Maximum: $20,000 per child or senior over 65
     
     
Travel Coverage
(to age 65)
     
     

Covers emergency hospital /medical expenses while travelling outside your province or territory of residence and access to a 24-hour worldwide medical assistance centre up to a maximum of $5,000,000 per trip.

     
 
     
  • Number of trips per year: Unlimited
  • Maximum trip length: 30 days
     
     
Survivor Benefit
     
      Provides survivor benefit for continuous coverage for 1 year, following the death of subscriber or co-subscriber      
 
     
  • Maximum: Covered
     
     
EXTENDED HEALTH CARE:
     
 
     

Registered Specialists and Therapists

Includes visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Social Workers and Speech Therapists.

Registered Specialists and Therapists

  • Maximum claims paid: $1,500 combined
  • Per visit maximum: Unlimited
  • Chiropractic x-rays: $35 per year

Psychologist/Social Worker

  • Maximum per first visit: $80
  • Maximum per subsequent visit: $65
  • Maximum visits per year: 15

Speech Therapist

  • Maximum per first visit: $65
  • Maximum per subsequent visit: $45
  • Maximum visits per year: 15
     
     
Lifeline Response Service
     
      Provides 24-hour monitoring service for people coping with medical problems at home.      
 
     
  • Maximum: 6 months per 3 year period
     
     
Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment
     
     

Covers the services of registered health professionals including Registered Nurse, Registered Nursing Assistant or healthcare aid; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheel-chairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife Financial. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies. Payment will be coordinated where benefits are available through the Assistive Devices Program.

     
 
     
  • Combined maximum for Homecare & Nursing, Prosthetic Appliances, and Durable Medical Equipment: $8,500 per year
  • Custom-made Orthotics - $225 per year
     
     
Hearing Aids
     
      Covers the cost to purchase and /or repair up to the allowed maximum.      
 
     
  • Maximum: $500 per 4 year period
     
     
Ambulance Services
     
     

Covers trips to hospitals in a licensed ground ambulance. Covers charges up to the amount between what your provincial health plan covers and what is reasonable and customary. Air ambulance is payable only after provincial health insurance plan maximum has been reached, if applicable.

     
 
     
  • Maximum: Unlimited ground transport
  • Maximum: $4,000 maximum air ambulance
     
     
Accidental Dental
     
     

Covers dental treatment required as a result of an accidental blow to the head or mouth. Treatment must be sought within the 90-day period following the accident.

     
 
     
  • Maximum: $3,000 per year
     
     
Health Service Navigator®
     
     

With Health Service Navigator, you and your eligible family members can quickly and easily get answers to your questions and access to support services. Easily accessible on the web or with a simple call to a dedicated toll-free line, you will be connected to Health Service Navigator where you can receive information, medical coordination services and resources on how to navigate the Canadian health care system. And, if you want a second opinion from a world-class hospital, Health Service Navigator will help you get it.

     
 
     
Lifetime Maximum
     
     
  • $350,000
     
   Back to Top

 
     


Base Dental
(No medical questionnaire required)
 

     
     
Dental Services
     
     

Covers basic services, paid at a percentage of the current Dental Fee Guide or the reasonable and customary charge in your province of residence.

     
 
     
  • Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic and other basic dental services: Year 1: 50%; Year 2 and beyond: 70%
  • Reimbursement on extensive services including endodontics, periodontics and denture services: Year 1: 50%; Year 2 and beyond: 70%
  • Reimbursement on crowns, bridges, dentures and orthodontics: Not covered
  • Anniversary year maximums: $400 per year
  • Recall visits: 9 months
     
     
Vision Care
     
     

Covers the costs to purchase prescription lenses and frames and/or contact lenses. This benefit does not include industrial safety glasses.

     
 
     
  • $100 per 2 years plus $50 for Optometrist visits
     
     
Accidental Death and Dismemberment
     
     

Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.

     
 
     
  • Maximum: $10,000 per adult
  • Maximum: $4,000 per child or senior over 65
     
     
Survivor Benefit
     
      Provides survivor benefit for continuous coverage for 1 year, following the death of subscriber or co-subscriber      
 
     
  • Maximum: Available 1 year after policy effective date
     
     


EXTENDED HEALTH CARE:

     
     

Registered Specialists and Therapists

Includes visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Social Workers and Speech Therapists.

Registered Specialists and Therapists

  • Maximum claims paid: $300 per specialist/therapist
  • Per visit maximum: $20
  • Chiropractic x-rays: $35 per year

Psychologist/Social Worker

  • Maximum per first visit: $80
  • Maximum per subsequent visit: $65
  • Maximum visits per year: 10

Speech Therapist

  • Maximum per first visit: $65
  • Maximum per subsequent visit: $45
  • Maximum visits per year: 10
     
     
Lifeline Response Service
     
      Provides 24-hour monitoring service for people coping with medical problems at home.      
 
     
  • Maximum: 3 months per lifetime
     
     
Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment
     
     

Covers the services of registered health professionals including Registered Nurse, Registered Nursing Assistant or healthcare aid; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheel-chairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife Financial. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies. Payment will be coordinated where benefits are available through the Assistive Devices Program.

     
 
     
  • For each of Homecare & Nursing, Prosthetic Appliances and Durable Medical Equipment:
Year 1: $1,000 Year 2: $1,300
Year 3 $1,500 Year 4: $2,000
Year 5+: $2,500
  • Custom-made Orthotics - $225 per year
     
     
Hearing Aids
     
      Covers the cost to purchase and /or repair up to the allowed maximum.      
 
     
  • Maximum: $300 per 4 year period
     
     
Ambulance Services
     
     

Covers trips to hospitals in a licensed ground ambulance. Covers charges up to the amount between what your provincial health plan covers and what is reasonable and customary. Air ambulance is payable only after provincial health insurance plan maximum has been reached, if applicable.

     
 
     
  • Maximum: Unlimited ground transport
  • Maximum: $4,000 maximum air ambulance
     
     
Accidental Dental
     
      Covers dental treatment required as a result of an accidental blow to the head or mouth. Treatment must be sought within the 90-day period following the accident.      
 
     
  • Maximum: $2,000 per year
     
     
Health Service Navigator®
     
     

With Health Service Navigator, you and your eligible family members can quickly and easily get answers to your questions and access to support services. Easily accessible on the web or with a simple call to a dedicated toll-free line, you will be connected to Health Service Navigator where you can receive information, medical coordination services and resources on how to navigate the Canadian health care system. And, if you want a second opinion from a world-class hospital, Health Service Navigator will help you get it.

     
 
     
Lifetime Maximum
     
     
  • $100,000
     
   Back to Top

 
     


Bronze Dental
(No medical questionnaire required)
 

     
     
Dental Services
     
     

Covers basic services, paid at a percentage of the current Dental Fee Guide or the reasonable and customary charge in your province of residence.

     
 
     
  • Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic and other basic dental services: Year 1: 50%; Year 2 and beyond: 70%
  • Reimbursement on extensive services including endodontics, periodontics and denture services: Year 1: 50%; Year 2 and beyond: 70%
  • Reimbursement on crowns, bridges, dentures and orthodontics: Not covered
  • Anniversary year maximums: $500 per year
  • Recall visits: 9 months
     
     
Vision Care
     
     

Covers the costs to purchase prescription lenses and frames and/or contact lenses. This benefit does not include industrial safety glasses.

     
 
     
  • $100 per 2 years plus $50 for Optometrist visits
     
     
Accidental Death and Dismemberment
     
     

Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.

     
 
     
  • Maximum: $10,000 per adult
  • Maximum: $4,000 per child or senior over 65
     
     
Survivor Benefit
     
      Provides survivor benefit for continuous coverage for 1 year, following the death of subscriber or co-subscriber      
 
     
  • Maximum: Available 1 year after policy effective date
     
     


EXTENDED HEALTH CARE:

     
     

Registered Specialists and Therapists

Includes visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Social Workers and Speech Therapists.

Registered Specialists and Therapists

  • Maximum claims paid: $300 per specialist/therapist
  • Per visit maximum: $20
  • Chiropractic x-rays: $35 per year

Psychologist/Social Worker

  • Maximum per first visit: $80
  • Maximum per subsequent visit: $65
  • Maximum visits per year: 10

Speech Therapist

  • Maximum per first visit: $65
  • Maximum per subsequent visit: $45
  • Maximum visits per year: 10
     
     
Lifeline Response Service
     
      Provides 24-hour monitoring service for people coping with medical problems at home.      
 
     
  • Maximum: 3 months per lifetime
     
     
Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment
     
     

Covers the services of registered health professionals including Registered Nurse, Registered Nursing Assistant or healthcare aid; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheel-chairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife Financial. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies. Payment will be coordinated where benefits are available through the Assistive Devices Program.

     
 
     
  • For each of Homecare & Nursing, Prosthetic Appliances and Durable Medical Equipment:
Year 1: $1,000 Year 2: $1,300
Year 3 $1,500 Year 4: $2,000
Year 5+: $2,500
  • Custom-made Orthotics - $225 per year
     
     
Hearing Aids
     
      Covers the cost to purchase and /or repair up to the allowed maximum.      
 
     
  • Maximum: $300 per 4 year period
     
     
Ambulance Services
     
     

Covers trips to hospitals in a licensed ground ambulance. Covers charges up to the amount between what your provincial health plan covers and what is reasonable and customary. Air ambulance is payable only after provincial health insurance plan maximum has been reached, if applicable.

     
 
     
  • Maximum: Unlimited ground transport
  • Maximum: $4,000 maximum air ambulance
     
     
Accidental Dental
     
     

Covers dental treatment required as a result of an accidental blow to the head or mouth. Treatment must be sought within the 90-day period following the accident.

     
 
     
  • Maximum: $2,000 per year
     
     
Health Service Navigator®
     
     

With Health Service Navigator, you and your eligible family members can quickly and easily get answers to your questions and access to support services. Easily accessible on the web or with a simple call to a dedicated toll-free line, you will be connected to Health Service Navigator where you can receive information, medical coordination services and resources on how to navigate the Canadian health care system. And, if you want a second opinion from a world-class hospital, Health Service Navigator will help you get it.

     
 
             
     
Lifetime Maximum
     
     
  • $100,000
     
   Back to Top

 
     


Silver Dental
(No medical questionnaire required)

     
     
Dental Services
     
     

Covers basic services, paid at a percentage of the current Dental Fee Guide or the reasonable and customary charge in your province of residence.

     
 
     
  • Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic and other basic dental services: Year 1: 60%; Year 2 and beyond: 80%
  • Reimbursement on extensive services including endodontics, periodontics and denture services: Year 1: 60%; Year 2 and beyond: 80%
  • Reimbursement on crowns, bridges, dentures and orthodontics: Not covered
  • Anniversary year maximums: Year 1: $500; Year 2 and beyond: $900
  • Recall visits: 9 months
     
     
Vision Care
     
      Covers the costs to purchase prescription lenses and frames and/or contact lenses. This benefit does not include industrial safety glasses.      
 
     
  • $100 per 2 years plus $50 for Optometrist visits
     
     
Accidental Death and Dismemberment
     
     

Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.

     
 
     
  • Maximum: $10,000 per adult
  • Maximum: $4,000 per child or senior over 65
     
     
Survivor Benefit
     
      Provides survivor benefit for continuous coverage for 1 year, following the death of subscriber or co-subscriber      
 
     
  • Maximum: Available 1 year after policy effective date
     
     


EXTENDED HEALTH CARE:

     
     

Registered Specialists and Therapists

Includes visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Social Workers and Speech Therapists.

Registered Specialists and Therapists

  • Maximum claims paid: $300 per specialist/therapist
  • Per visit maximum: $20
  • Chiropractic x-rays: $35 per year

Psychologist/Social Worker

  • Maximum per first visit: $80
  • Maximum per subsequent visit: $65
  • Maximum visits per year: 10

Speech Therapist

  • Maximum per first visit: $65
  • Maximum per subsequent visit: $45
  • Maximum visits per year: 10
     
     
Lifeline Response Service
     
      Provides 24-hour monitoring service for people coping with medical problems at home.      
 
     
  • Maximum: 3 months per lifetime
     
     
Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment
     
     

Covers the services of registered health professionals including Registered Nurse, Registered Nursing Assistant or healthcare aid; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheel-chairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife Financial. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies. Payment will be coordinated where benefits are available through the Assistive Devices Program.

     
 
     
  • For each of Homecare & Nursing, Prosthetic Appliances and Durable Medical Equipment:
Year 1: $1,000 Year 2: $1,300
Year 3 $1,500 Year 4: $2,000
Year 5+: $2,500
  • Custom-made Orthotics - $225 per year
     
     
Hearing Aids
     
      Covers the cost to purchase and /or repair up to the allowed maximum.      
 
     
  • Maximum: $300 per 4 year period
     
     
Ambulance Services
     
     

Covers trips to hospitals in a licensed ground ambulance. Covers charges up to the amount between what your provincial health plan covers and what is reasonable and customary. Air ambulance is payable only after provincial health insurance plan maximum has been reached, if applicable.

     
 
     
  • Maximum: Unlimited ground transport
  • Maximum: $4,000 maximum air ambulance
     
     
Accidental Dental
     
      Covers dental treatment required as a result of an accidental blow to the head or mouth. Treatment must be sought within the 90-day period following the accident.      
 
     
  • Maximum: $2,000 per year
     
     
Health Service Navigator®
     
     

With Health Service Navigator, you and your eligible family members can quickly and easily get answers to your questions and access to support services. Easily accessible on the web or with a simple call to a dedicated toll-free line, you will be connected to Health Service Navigator where you can receive information, medical coordination services and resources on how to navigate the Canadian health care system. And, if you want a second opinion from a world-class hospital, Health Service Navigator will help you get it.

     
 
     
Lifetime Maximum
     
     
  • $100,000
     
   Back to Top

 
     


Gold Dental
(No medical questionnaire required)
 

     
     
Dental Services
     
      Covers basic services, paid at a percentage of the current Dental Fee Guide or the reasonable and customary charge in your province of residence.      
 
     
  • Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic and other basic dental services: Year 1: 60%; Year 2 and beyond: 80%
  • Reimbursement on extensive services including endodontics, periodontics and denture services: Year 1: 60%; Year 2 and beyond: 80%
  • Reimbursement on crowns, bridges, dentures and orthodontics: Year 1 & 2: 0%; Year 3 and beyond: 60% ($800 maximum every 2 consecutive years)
  • Anniversary year maximums: Year 1: $750; Year 2: $1,000; Year 3: $1,200; Year 4: $1,200; Year 5 and beyond: $1,500
  • Recall visits: 6 months
     
     
Vision Care
     
      Covers the costs to purchase prescription lenses and frames and/or contact lenses. This benefit does not include industrial safety glasses.      
 
     
  • $100 per 2 years plus $50 for Optometrist visits
     
     
Accidental Death and Dismemberment
     
      Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.      
 
     
  • Maximum: $10,000 per adult
  • Maximum: $4,000 per child or senior over 65
     
     
Survivor Benefit
     
      Provides survivor benefit for continuous coverage for 1 year, following the death of subscriber or co-subscriber      
 
     
  • Maximum: Available 1 year after policy effective date
     
     


EXTENDED HEALTH CARE:

     
     

Registered Specialists and Therapists

Includes visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Social Workers and Speech Therapists.

Registered Specialists and Therapists

  • Maximum claims paid: $300 per specialist/therapist
  • Per visit maximum: $20
  • Chiropractic x-rays: $35 per year

Psychologist/Social Worker

  • Maximum per first visit: $80
  • Maximum per subsequent visit: $65
  • Maximum visits per year: 10

Speech Therapist

  • Maximum per first visit: $65
  • Maximum per subsequent visit: $45
  • Maximum visits per year: 10
     
     
Lifeline Response Service
     
      Provides 24-hour monitoring service for people coping with medical problems at home.      
 
     
  • Maximum: 3 months per lifetime
     
     
Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment
     
     

Covers the services of registered health professionals including Registered Nurse, Registered Nursing Assistant or healthcare aid; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheel-chairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife Financial. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies. Payment will be coordinated where benefits are available through the Assistive Devices Program.

     
 
     
  • For each of Homecare & Nursing, Prosthetic Appliances and Durable Medical Equipment:
Year 1: $1,000 Year 2: $1,300
Year 3 $1,500 Year 4: $2,000
Year 5+: $2,500
  • Custom-made Orthotics - $225 per year
     
     
Hearing Aids
     
      Covers the cost to purchase and /or repair up to the allowed maximum.      
 
     
  • Maximum: $300 per 4 year period
     
     
Ambulance Services
     
     

Covers trips to hospitals in a licensed ground ambulance. Covers charges up to the amount between what your provincial health plan covers and what is reasonable and customary. Air ambulance is payable only after provincial health insurance plan maximum has been reached, if applicable.

     
 
     
  • Maximum: Unlimited ground transport
  • Maximum: $4,000 maximum air ambulance
     
     
Accidental Dental
     
      Covers dental treatment required as a result of an accidental blow to the head or mouth. Treatment must be sought within the 90-day period following the accident.      
 
     
  • Maximum: $2,000 per year
     
     
Health Service Navigator®
     
     

With Health Service Navigator, you and your eligible family members can quickly and easily get answers to your questions and access to support services. Easily accessible on the web or with a simple call to a dedicated toll-free line, you will be connected to Health Service Navigator where you can receive information, medical coordination services and resources on how to navigate the Canadian health care system. And, if you want a second opinion from a world-class hospital, Health Service Navigator will help you get it.

     
 
     
Lifetime Maximum
     
 
     
  • $100,000
     

   Back to Top

 

 

All plans (except those indicated "No medical Questionnaire required") are medically underwritten, which means you will have to answer several medical questions when applying for this insurance. After that, your application has to be approved by the insurance company. If approved, coverage is effective the first day of the month following final approval of the application.

 

 

NOTE: The product related information is for illustration purpose only.  Please Click here for more information and to get a quote & apply ONLINE.

 



 

Investments:    RESP     RRSP     TFSA       Segregated Funds

                                                       August 02, 2017