
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.
Summary of Benefits
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.
|
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
|
|
Back
to Top
⇑ |
|
|
Bronze
(Medical
questionnaire
required) |
|
|
|
|
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
|
|
|
|
|
-
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
|
|
|
|
|
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
|
|
|
|
|
Provides survivor
benefit for
continuous coverage
for 1 year,
following the death
of subscriber or
co-subscriber |
|
|
|
|
|
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
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
|
|
|
|
|
Covers the cost to
purchase and /or
repair up to the
allowed maximum. |
|
|
|
|
|
-
Maximum: $300
per 4 year
period
|
|
|
|
|
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
|
|
|
|
|
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. |
|
|
|
|
|
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. |
|
|
|
|
|
Silver
(Medical
questionnaire
required)
|
|
|
|
|
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
|
|
|
|
|
-
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
|
|
|
|
|
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
|
|
|
|
|
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
|
|
|
|
|
Provides survivor
benefit for
continuous coverage
for 1 year,
following the death
of subscriber or
co-subscriber |
|
|
|
|
|
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
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
|
|
|
|
|
Covers the cost to
purchase and /or
repair up to the
allowed maximum. |
|
|
|
|
|
-
Maximum: $400
per 4 year
period
|
|
|
|
|
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
|
|
|
|
|
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. |
|
|
|
|
|
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. |
|
|
|
|
|
Gold
(Medical
questionnaire
required)
|
|
|
|
|
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
|
|
|
|
|
-
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
|
|
|
|
|
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
|
|
|
|
|
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
|
|
|
|
|
Provides survivor
benefit for
continuous coverage
for 1 year,
following the death
of subscriber or
co-subscriber |
|
|
|
|
|
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
|
|
|
|
|
Covers the cost to
purchase and /or
repair up to the
allowed maximum. |
|
|
|
|
|
-
Maximum: $500
per 4 year
period
|
|
|
|
|
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
|
|
|
|
|
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. |
|
|
|
|
|
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. |
|
|
|
|
|
Base Dental
(No medical
questionnaire
required)
|
|
|
|
|
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
|
|
|
|
|
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
|
|
|
|
|
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
|
|
|
|
|
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
|
|
|
|
|
Covers the cost to
purchase and /or
repair up to the
allowed maximum. |
|
|
|
|
|
-
Maximum: $300
per 4 year
period
|
|
|
|
|
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
|
|
|
|
|
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. |
|
|
|
|
|
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. |
|
|
|
|
|
Bronze Dental
(No medical
questionnaire
required)
|
|
|
|
|
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
|
|
|
|
|
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
|
|
|
|
|
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
|
|
|
|
|
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
|
|
|
|
|
Covers the cost to
purchase and /or
repair up to the
allowed maximum. |
|
|
|
|
|
-
Maximum: $300
per 4 year
period
|
|
|
|
|
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
|
|
|
|
|
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. |
|
|
|
|
|
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. |
|
|
|
|
|
Silver Dental
(No medical
questionnaire
required)
|
|
|
|
|
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
|
|
|
|
|
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
|
|
|
|
|
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
|
|
|
|
|
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
|
|
|
|
|
Covers the cost to
purchase and /or
repair up to the
allowed maximum. |
|
|
|
|
|
-
Maximum: $300
per 4 year
period
|
|
|
|
|
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
|
|
|
|
|
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. |
|
|
|
|
|
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. |
|
|
|
|
|
Gold Dental
(No medical
questionnaire
required)
|
|
|
|
|
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
|
|
|
|
|
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
|
|
|
|
|
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
|
|
|
|
|
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
|
|
|
|
|
Covers the cost to
purchase and /or
repair up to the
allowed maximum. |
|
|
|
|
|
-
Maximum: $300
per 4 year
period
|
|
|
|
|
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
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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. |
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Health Service
Navigator® |
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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. |
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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.
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