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Manulife Financial

Personal Plans for Individuals and Small Business

(for Ontario residents)

FlexCare® Stand-Alones

Summary of Benefits

With Flexcare® Stand-Alone coverage, you don't need a Core plan. You can select one or more Stand-Alones to create your own "One-Of-A-Kind" Flexcare health plan.

 

1) Extended Health Care Basic

2) Extended Health Care Enhanced

3) Hospital Basic

4) Hospital Enhanced

5) Hospital Cash

6) Catastrophic Coverage

7) Lifeline® Personal Response Service

Extended Health Care Basic
(Medical questionnaire required)

      
 
     
  • $250,000 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 - $20 maximum per visit, 20 visit maximum per discipline per anniversary year. (payable only after Government Health Insurance Plan maximums have been reached, if applicable)
  • Chiropractic X-ray - $35 maximum per anniversary year
  • Psychologist or approved social worker - $80 maximum first visit, $65 maximum subsequent visits, 10 visit maximum per anniversary year
  • Physiotherapist - $250 maximum per anniversary year
  • Homecare and Nursing, Prosthetic Appliances, Durable Medical Equipment - $3,000 maximum per anniversary year, for each of these three categories of benefits separately

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, 10 visit maximum per anniversary year
  • Lifeline® Personal Response Service - lifetime maximum of 3 months of service, not including installation fee
  • Accidental Dental - $2,000 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 - $400 maximum per 4 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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      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 indepth 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
  • Lifeline® 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
      
     

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 Cash
(Medical questionnaire required) 		     
 
      This benefit provides you with cash to cover personal expenses incurred while hospitalized.      
 
     
  • $50 per day, beginning on 4th day of hospitalization, regardless of the type of room
  • $5,000 maximum per anniversary year
  • Excludes hospital out-patients
      
     

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
(Medical questionnaire required) 		     
 
      Catastrophic coverage is ideal for people who currently have group or individual health coverage but are looking for protection from an unforeseen, serious accident or medical emergency. People without health coverage will also find Catastrophic coverage an excellent way to protect themselves from large, unplanned medical expenses.

This coverage provides the following benefits:

      
 
     
  • Unlimited 100% coverage for generic and name brand prescription drugs when annual claims exceed $4,500 per anniversary year
  • Additional $25,000 in coverage for Homecare and Nursing, Durable Medical Equipment (wheelchairs, etc.) and Prosthetic Appliances when annual claims exceed $7,500 per anniversary year
  • 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 one year following an accident
  • All benefits are paid at the reasonable and customary level and are co-ordinated with any other health plan coverage you may have
  • Lifetime maximum - $100,000
      
     

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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Lifeline® Personal Response Service
(No medical questionnaire required)

     
 
     

This is a program designed to get help to those who need it. For people coping with medical problems at home and who want to live more independent lives, Lifeline may be the solution. A simple press of a button, worn in the home, alerts our 24 hour monitoring service that help is needed. This benefit gives you indefinite lifeline coverage. The monthly cost includes the unit and the monitoring service. Installation fee not included.
 

      

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                                                       July 27, 2010