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Manulife Financial

Personal Plans for Individuals and Small Business

FlexCare® Add-Ons

Summary of Benefits

These coverage options are only available with a Flexcare® Core plan. They allow you to customize your Flexcare DrugPlus, DentalPlus or ComboPlus plan to create your own "One-Of-A-Kind" coverage.

 

1) Extended Health Care Enhanced

2) Hospital Basic

3) Hospital Enhanced

4) Vision Enhanced

5) Travel +8 days

6) Travel +21 days

7) Accidental Death and Dismemberment Enhanced

8) Catastrophic Coverage - $4,500 deductible

9) Catastrophic Coverage - $10,200 deductible

 

Extended Health Care Enhanced
(Medical questionnaire required)

  

  
 
     
  • $350,000 lifetime maximum (applies to all Extended Health Care benefits)
  • Best Doctors® Solutions Services - upon diagnosis of a serious illness or injury, you can receive an evaluation of your medical records by world-class specialists who confirm the initial diagnosis and recommend appropriate treatment options. This fast, yet in-depth review can reduce potentially serious complications from a misdiagnosis and help your local physician determine the proper course of action. In addition to medical advice, Best Doctors provides the following services: treatment planning, identification of the most appropriate care provider, and care management.
  • Chiropractor, Chiropodist, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist, Physiotherapist - combined maximum of $750 per anniversary year for all eight of these paramedical specialists, including chiropractic x-rays (payable only after Government Health Insurance Plan maximums have been reached, if applicable)
  • Psychologist or approved social worker - $80 maximum first visit, $65 maximum subsequent visits, 12 visit maximum per anniversary year
  • Homecare and Nursing, Prosthetic Appliances, Durable Medical Equipment - combined maximum of $8,500 per anniversary year
Note: $225 maximum per anniversary year for Orthotics which are included as part of Durable Medical Equipment.
  • Speech Pathologist/Therapist - $65 maximum first visit, $45 maximum subsequent visits, 12 visit maximum per anniversary year
  • LifelineMD Personal Response Service maximum of 3 months of service per 3 anniversary years, not including installation fee
  • Accidental Dental - $3,000 maximum per anniversary year
  • Ambulance - unlimited ground transportation to hospital and $4,000 maximum for air ambulance transportation per anniversary year (payable only after Government Health Insurance Plan maximums have been reached, if applicable)
  • Hearing Aid - $600 maximum per 5 consecutive benefit years
      
     
Anniversary Year means the consecutive 12 months following the Effective Date of the Agreement, and each 12 month period thereafter.

Benefit Year means the 12 consecutive months following the incurred date of the claim.

Calendar Year means the 12 consecutive month period commencing January 1 and ending December 31.
     

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      Hospital Basic
(Medical questionnaire required) 		     
 
     
  • Semi-private room coverage
  • 100% during the first 30 days, 50% of the next 100 days per anniversary year
  • The reasonable and customary provincial room rates will be paid up to a maximum of $150 per day
  • Cash Benefit - $25 per day beginning on the 4th day of hospitalization, for a maximum of 30 days, if a semi-private room is not obtained
      
     
Anniversary Year means the consecutive 12 months following the Effective Date of the Agreement, and each 12 month period thereafter.

Benefit Year means the 12 consecutive months following the incurred date of the claim.

Calendar Year means the 12 consecutive month period commencing January 1 and ending December 31.
     

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      Hospital Enhanced
(Medical questionnaire required) 		     
 
     
  • Semi-private or private room coverage
  • 100% coverage per anniversary year
  • The reasonable and customary provincial room rates will be paid up to a maximum of $200 per day
  • Cash Benefit - $50 per day beginning on the 4th day of hospitalization, for a maximum of 60 days, if a semi-private or private room is not obtained

Note - Enhanced coverage describes the total benefits provided in conjunction with the corresponding Basic coverage benefits

     
     
Anniversary Year means the consecutive 12 months following the Effective Date of the Agreement, and each 12 month period thereafter.

Benefit Year means the 12 consecutive months following the incurred date of the claim.

Calendar Year means the 12 consecutive month period commencing January 1 and ending December 31.
     

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      Vision Enhanced
(No medical questionnaire required) 		     
 
     
  • $500 maximum per 3 consecutive benefit years towards the cost of prescription lenses, frames and contact lenses; $100 of the overall maximum may be used towards laser eye surgery.
  • $50 maximum for Optometrist fees per 2 consecutive benefit years (payable only after Government Health Insurance Plan maximum has been reached, if applicable)
  • Eyeglasses are covered against breakage and scratches by a repair warranty for a period of 3 benefit years. This warranty applies to lenses and frames purchased under the Flexcare Vision benefit
Note - Enhanced coverage describes the total benefits provided in conjunction with the corresponding Basic coverage benefits. 		     
     
Anniversary Year means the consecutive 12 months following the Effective Date of the Agreement, and each 12 month period thereafter.

Benefit Year means the 12 consecutive months following the incurred date of the claim.

Calendar Year means the 12 consecutive month period commencing January 1 and ending December 31.
     

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      Travel +8 days
(No medical questionnaire required) 		     
 
      Trips of up to 17 days are covered, up to $5,000,000 per covered person per trip.

Travel coverage is not available to persons age 65 and over.

Trips over the selected number of days, i.e. 9, 17, or 30 days are not covered; to purchase separate coverage, please call 1-877-COVER ME® (1-877-268-3763)

      

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      Travel +21 days
(No medical questionnaire required) 		     
 
      Trips of up to 30 days are covered, up to $5,000,000 per covered person per trip.

Travel coverage is not available to persons age 65 and over.

Trips over the selected number of days, i.e. 9, 17, or 30 days are not covered; to purchase separate coverage, please call 1-877-COVER ME® (1-877-268-3763)

      

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      Accidental Death and Dismemberment Enhanced
(No medical questionnaire required) 		     
 
     
  • The total for both Core plan and Add-On coverage is equal to $50,000 for adults under 65, and is equal to $20,000 for children under age 21 and adults age 65 and over
Note - Enhanced coverage describes the total benefits provided in conjunction with the corresponding Basic coverage benefits. 		     
     
Anniversary Year means the consecutive 12 months following the Effective Date of the Agreement, and each 12 month period thereafter.

Benefit Year means the 12 consecutive months following the incurred date of the claim.

Calendar Year means the 12 consecutive month period commencing January 1 and ending December 31.
     

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      Catastrophic Coverage - $4,500 deductible
 (Medical questionnaire required) 		     
 
     

Catastrophic Coverage is designed to offer protection against large unforeseen medical expenses that often result from serious accidents or medical emergencies. If you have a health plan or if you are applying for a Flexcare core plan, Catastrophic Coverage is an affordable and ideal option to further enhance your coverage. If you are currently without a health plan and are looking for protection against very large medical expenses, Flexcare Catastrophic Coverage may be an excellent solution for you.

This coverage provides the following benefits:

      
 
     

  • Unlimited 100% coverage for generic and name brand prescription drugs that commences when annual claims exceed $4,500 per person per anniversary year (available as an Add-On to DrugPlus Basic and ComboPlus Basic plans, or as a Stand-Alone);

  • Additional $25,000 in coverage for Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment (wheelchairs, etc.) that commences when annual claims exceed $7,500 per person per anniversary year; lifetime maximum of $100,000.

  • In the event of an accident that requires a hospital stay of at least 24 hours, Catastrophic Coverage provides unlimited Chiropractor and Physiotherapist coverage for 1 year following the accident.

  • All Catastrophic Coverage benefits are paid at the reasonable and customary level, and are co-ordinated with any other health plan coverage you may have.

  • You are eligible to apply for Catastrophic Coverage if you are under 65 years of age and a Canadian resident. Once your application is approved, your coverage will continue as long as your premiums are paid, regardless of age or any future changes in your health

      
     
Anniversary Year means the consecutive 12 months following the Effective Date of the Agreement, and each 12 month period thereafter.

Benefit Year means the 12 consecutive months following the incurred date of the claim.

Calendar Year means the 12 consecutive month period commencing January 1 and ending December 31.
     

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      Catastrophic Coverage - $10,200 deductible
 (Medical questionnaire required) 		     
 
      Catastrophic Coverage is designed to offer protection against large unforeseen medical expenses that often result from serious accidents or medical emergencies. If you have a health plan or if you are applying for a Flexcare core plan, Catastrophic Coverage is an affordable and ideal option to further enhance your coverage. If you are currently without a health plan and are looking for protection against very large medical expenses, Flexcare Catastrophic Coverage may be an excellent solution for you.

This coverage provides the following benefits:

      
 
     
  • Unlimited 100% coverage for generic and name brand prescription drugs that commences when annual claims exceed $10,200 per person per anniversary year (available as an Add-On to DrugPlus Enhanced and ComboPlus Enhanced plans, or as a Stand-Alone).
  • Additional $25,000 in coverage for Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment (wheelchairs, etc.) that commences when annual claims exceed $7,500 per person per anniversary year; lifetime maximum of $100,000.
  • In the event of an accident that requires a hospital stay of at least 24 hours, Catastrophic Coverage provides unlimited Chiropractor and Physiotherapist coverage for 1 year following the accident.
  • All Catastrophic Coverage benefits are paid at the reasonable and customary level, and are co-ordinated with any other health plan coverage you may have.
  • You are eligible to apply for Catastrophic Coverage if you are under 65 years of age and a Canadian resident. Once your application is approved, your coverage will continue as long as your premiums are paid, regardless of age or any future changes in your health.
      

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                                                       September 26, 2011