• $250,000 lifetime maximum per covered person ($260,000 for adults over age 65)
• Chiropractor, Chiropodist, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist – $20 maximum per visit, 20 visit maximum per discipline per person, per anniversary year (payable only after Government Health Insurance Plan maximums have been reached, if applicable)
• Chiropractic X-ray – $35 maximum per person, per anniversary year
• Psychologist – $80 maximum first visit, $65 maximum subsequent visits, 10 visit maximum per person, per anniversary year
• Speech Pathologist/Therapist - $65 maximum first visit, $45 maximum subsequent visits, 10 visit maximum per person, per anniversary year
• Physiotherapist – $250 maximum per person, per anniversary year
• Homecare and Nursing, Prosthetic Appliances, Durable Medical Equipment – covers the services of registered healthcare professionals, surgical bandages and dressings, the purchase or rental of medically necessary equipment such as crutches, non-electric wheelchairs and hospital beds, oxygen and other equipment. All equipment, supplies and services must be recommended by the physician and approved by Manulife Financial. This benefit also covers the costs towards prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies.

The maximum per person, per anniversary year for each of these 3 categories of benefits separately is according to the following:
 

Year 1	Year 2	Year 3	Year 4	Year 5+
$1,000	$1,300	$1,500	$1,700	$3,000

Note: $225 maximum per person, per anniversary year for custom-made Orthotics, which are included as part of Durable Medical Equipment.

• Lifeline^®‡ Personal Response Service – for people coping with medical challenges at home and wanting to lead more independent lives, Lifeline may be a solution. With the simple press of a button, worn in the home, the 24-hour monitoring service is alerted that help is needed. Lifetime maximum of 3 months of service, not including installation fee
• Accidental Dental – covers dental treatment required as a result of an accidental blow to the head or mouth, within 90 days following the accident; $2,000 maximum per person, per anniversary year
• Ambulance Services – provides coverage for unlimited ground transportation 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.

Best Doctors^®
The Bet Dosctors benefit enables you to take advantage of any of the following services:

• Medical Advice and Treatment Planning – upon diagnosis of serious illness or injury, a review of the individual’s medical files may be completed to confirm the initial diagnosis and recommend the most effective treatment; includes access to the latest technologies and the opinions of world-class specialists to reduce potentially serious complications from misdiagnosis, and help local treating physicians determine the proper course of action.
• Identification of the Right Care Provider – a customized search of global database of over 50,000 world-class specialists and recommendations for specific medical needs; includes access to a Personal Advocate
• Care Management – assistance with the hospital admittance process and medical appointments, including co-ordination of necessary information among medical specialists involved, monitoring of treatment process to ensure medical priorities are met, and if travel is required, assistance with reservations and accommodations.

Vision Care

• $100 maximum per person per 2 consecutive benefit years to cover the costs towards prescription lenses, frames, contact lenses and laser eye surgery
• $30 maximum for Optometrist fees per person 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 guarantee for a period of 2 benefit years. This warranty applies to lenses and frames purchased with the Flexcare Vision benefit.

No deductible is charged to you if your eyeglasses can be repaired. If beyond repair, your eyeglasses will be replaced and a $50 deductible charged for eyeglasses originally purchased for up to $250; a $75 deductible, if the original purchase price was $251 to $300; and a $100 deductible, if your eyeglasses originally cost $301, or more.

• Coverage provides for payment up to $50,000 upon the accidental death or dismemberment of a covered adult under 65 years, up to $25,000 upon the accidental death or dismemberment of a covered adult over 65 years, and up to $20,000 upon the accidental death or dismemberment of a child.

• Benefit pays a scheduled amount depending on which bone is fractured. If more than one bone is fractured in a single accident, the amount payable is for the most severe fracture. Fracture payments are as follows:

• $250,000 lifetime maximum per covered person ($260,000 for Adults over age 65)
• Chiropractor, Chiropodist, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist – $20 maximum per visit, 20 visit maximum per discipline per person, per anniversary year (payable only after Government Health Insurance Plan maximums have been reached, if applicable)
• Chiropractic X-ray – $35 maximum per person, per anniversary year
• Psychologist – $80 maximum first visit, $65 maximum subsequent visits, 10 visit maximum per person, per anniversary year
• Speech Pathologist/Therapist - $65 maximum first visit, $45 maximum subsequent visits, 10 visit maximum per person, per anniversary year
• Physiotherapist – $250 maximum per person, per anniversary year
• Homecare and Nursing, Prosthetic Appliances, Durable Medical Equipment – covers the services of registered healthcare professionals, surgical bandages and dressings, the purchase or rental of medically necessary equipment such as crutches, non-electric wheelchairs and hospital beds, oxygen and other equipment. All equipment, supplies and services must be recommended by the physician and approved by Manulife Financial. This benefit also covers the costs towards prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies.

The maximum per person, per anniversary year for each of these 3 categories of benefits separately is according to the following:
 

Year 1	Year 2	Year 3	Year 4	Year 5+
$1,000	$1,300	$1,500	$1,700	$3,000

Note: $225 maximum per person, per anniversary year for custom-made Orthotics, which are included as part of Durable Medical Equipment.

• Lifeline^®‡ Personal Response Service – for people coping with medical challenges at home and wanting to lead more independent lives, Lifeline may be a solution. With the simple press of a button, worn in the home, the 24-hour monitoring service is alerted that help is needed. Lifetime maximum of 3 months of service, not including installation fee
• Accidental Dental – covers dental treatment required as a result of an accidental blow to the head or mouth, within 90 days following the accident; $2,000 maximum per person, per anniversary year
• Ambulance Services – provides coverage for unlimited ground transportation 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.

Best Doctors^®
The Best Doctors benefit enables you to take advantage of any of the following services:

• Medical Advice and Treatment Planning – upon diagnosis of serious illness or injury, a review of the individual’s medical files may be completed to confirm the initial diagnosis and recommend the most effective treatment; includes access to the latest technologies and the opinions of world-class specialists to reduce potentially serious complications from misdiagnosis, and help local treating physicians determine the proper course of action.
• Identification of the Right Care Provider – a customized search of global database of over 50,000 world-class specialists and recommendations for specific medical needs; includes access to a Personal Advocate
• Care Management – assistance with the hospital admittance process and medical appointments, including co-ordination of necessary information among medical specialists involved, monitoring of treatment process to ensure medical priorities are met, and if travel is required, assistance with reservations and accommodations.

Vision Care

• $100 maximum per person per 2 consecutive benefit years to cover the costs towards prescription lenses, frames, contact lenses and laser eye surgery
• $30 maximum for Optometrist fees per person 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 guarantee for a period of 2 benefit years. This warranty applies to lenses and frames purchased with the Flexcare Vision benefit.

No deductible is charged to you if your eyeglasses can be repaired. If beyond repair, your eyeglasses will be replaced and a $50 deductible charged for eyeglasses originally purchased for up to $250; a $75 deductible, if the original purchase price was $251 to $300; and a $100 deductible, if your eyeglasses originally cost $301, or more.

• Coverage provides for payment up to $50,000 upon the accidental death or dismemberment of a covered adult under 65 years, up to $25,000 upon the accidental death or dismemberment of a covered adult over 65 years, and up to $20,000 upon the accidental death or dismemberment of a child.

Cash payment to cover personal expenses incurred during hospitalization. Benefit is payable on the first day if hospitalization is a result of an accident and on the 4th day if a result of illness/pregnancy

• Maximum of $50 per day for covered individuals under 65 years of age and children; $30 per day for covered individuals 65 years and over.

Note: During the first 12 months after the effective date of coverage, cash payment will not be made for costs related to any illness diagnosed within a 12-month period prior to the effective date.

• $250,000 lifetime maximum per covered person ($260,000 for Adults over age 65)
• Chiropractor, Chiropodist, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist – $20 maximum per visit, 20 visit maximum per discipline per person, per anniversary year (payable only after Government Health Insurance Plan maximums have been reached, if applicable)
• Chiropractic X-ray – $35 maximum per person, per anniversary year
• Psychologist – $80 maximum first visit, $65 maximum subsequent visits, 10 visit maximum per person, per anniversary year
• Speech Pathologist/Therapist - $65 maximum first visit, $45 maximum subsequent visits, 10 visit maximum per person, per anniversary year
• Physiotherapist – $250 maximum per person, per anniversary year
• Homecare and Nursing, Prosthetic Appliances, Durable Medical Equipment – covers the services of registered healthcare professionals, surgical bandages and dressings, the purchase or rental of medically necessary equipment such as crutches, non-electric wheelchairs and hospital beds, oxygen and other equipment. All equipment, supplies and services must be recommended by the physician and approved by Manulife Financial. This benefit also covers the costs towards prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies.

The maximum per person, per anniversary year for each of these 3 categories of benefits separately is according to the following:
 

Year 1	Year 2	Year 3	Year 4	Year 5+
$1,000	$1,300	$1,500	$1,700	$3,000

Note: $225 maximum per person, per anniversary year for custom-made Orthotics, which are included as part of Durable Medical Equipment.

• Lifeline^®‡ Personal Response Service – for people coping with medical challenges at home and wanting to lead more independent lives, Lifeline may be a solution. With the simple press of a button, worn in the home, the 24-hour monitoring service is alerted that help is needed. Lifetime maximum of 3 months of service, not including installation fee
• Accidental Dental – covers dental treatment required as a result of an accidental blow to the head or mouth, within 90 days following the accident; $2,000 maximum per person, per anniversary year
• Ambulance Services – provides coverage for unlimited ground transportation 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.

Best Doctors^®
The Best Doctors benefit enables you to take advantage of any of the following services:

• Medical Advice and Treatment Planning – upon diagnosis of serious illness or injury, a review of the individual’s medical files may be completed to confirm the initial diagnosis and recommend the most effective treatment; includes access to the latest technologies and the opinions of world-class specialists to reduce potentially serious complications from misdiagnosis, and help local treating physicians determine the proper course of action.
• Identification of the Right Care Provider – a customized search of global database of over 50,000 world-class specialists and recommendations for specific medical needs; includes access to a Personal Advocate
• Care Management – assistance with the hospital admittance process and medical appointments, including co-ordination of necessary information among medical specialists involved, monitoring of treatment process to ensure medical priorities are met, and if travel is required, assistance with reservations and accommodations.

Vision Care

• $100 maximum per person per 2 consecutive benefit years to cover the costs towards prescription lenses, frames, contact lenses and laser eye surgery
• $30 maximum for Optometrist fees per person 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 guarantee for a period of 2 benefit years. This warranty applies to lenses and frames purchased with the Flexcare Vision benefit.

No deductible is charged to you if your eyeglasses can be repaired. If beyond repair, your eyeglasses will be replaced and a $50 deductible charged for eyeglasses originally purchased for up to $250; a $75 deductible, if the original purchase price was $251 to $300; and a $100 deductible, if your eyeglasses originally cost $301, or more.

• Coverage provides for payment up to $50,000 upon the accidental death or dismemberment of a covered adult under 65 years, up to $25,000 upon the accidental death or dismemberment of a covered adult over 65 years, and up to $20,000 upon the accidental death or dismemberment of a child.

• Coverage provides up to $5 million for emergency health expenses for trips lasting a maximum of 9 days.

Note: Coverage may be limited or excluded for any illness or condition that first manifested itself within the 9 month period preceding the effective date of coverage. Travel coverage is not available to individuals 65 years of age and over.

• $250,000 lifetime maximum per covered person ($260,000 for Adults over age 65)
• Chiropractor, Chiropodist, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist – $20 maximum per visit, 20 visit maximum per discipline per person, per anniversary year (payable only after Government Health Insurance Plan maximums have been reached, if applicable)
• Chiropractic X-ray – $35 maximum per person, per anniversary year
• Psychologist – $80 maximum first visit, $65 maximum subsequent visits, 10 visit maximum per person, per anniversary year
• Speech Pathologist/Therapist - $65 maximum first visit, $45 maximum subsequent visits, 10 visit maximum per person, per anniversary year
• Physiotherapist – $250 maximum per person, per anniversary year
• Homecare and Nursing, Prosthetic Appliances, Durable Medical Equipment – covers the services of registered healthcare professionals, surgical bandages and dressings, the purchase or rental of medically necessary equipment such as crutches, non-electric wheelchairs and hospital beds, oxygen and other equipment. All equipment, supplies and services must be recommended by the physician and approved by Manulife Financial. This benefit also covers the costs towards prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies.

The maximum per person, per anniversary year for each of these 3 categories of benefits separately is according to the following:
 

Year 1	Year 2	Year 3	Year 4	Year 5+
$1,000	$1,300	$1,500	$1,700	$3,000

Note: $225 maximum per person, per anniversary year for custom-made Orthotics, which are included as part of Durable Medical Equipment.

• Lifeline^®‡ Personal Response Service – for people coping with medical challenges at home and wanting to lead more independent lives, Lifeline may be a solution. With the simple press of a button, worn in the home, the 24-hour monitoring service is alerted that help is needed. Lifetime maximum of 3 months of service, not including installation fee
• Accidental Dental – covers dental treatment required as a result of an accidental blow to the head or mouth, within 90 days following the accident; $2,000 maximum per person, per anniversary year
• Ambulance Services – provides coverage for unlimited ground transportation 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.

Best Doctors^®
The Best Doctors benefit enables you to take advantage of any of the following services:

• Medical Advice and Treatment Planning – upon diagnosis of serious illness or injury, a review of the individual’s medical files may be completed to confirm the initial diagnosis and recommend the most effective treatment; includes access to the latest technologies and the opinions of world-class specialists to reduce potentially serious complications from misdiagnosis, and help local treating physicians determine the proper course of action.
• Identification of the Right Care Provider – a customized search of global database of over 50,000 world-class specialists and recommendations for specific medical needs; includes access to a Personal Advocate
• Care Management – assistance with the hospital admittance process and medical appointments, including co-ordination of necessary information among medical specialists involved, monitoring of treatment process to ensure medical priorities are met, and if travel is required, assistance with reservations and accommodations.

Vision Care

• $100 maximum per person per 2 consecutive benefit years to cover the costs towards prescription lenses, frames, contact lenses and laser eye surgery
• $30 maximum for Optometrist fees per person 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 guarantee for a period of 2 benefit years. This warranty applies to lenses and frames purchased with the Flexcare Vision benefit.

No deductible is charged to you if your eyeglasses can be repaired. If beyond repair, your eyeglasses will be replaced and a $50 deductible charged for eyeglasses originally purchased for up to $250; a $75 deductible, if the original purchase price was $251 to $300; and a $100 deductible, if your eyeglasses originally cost $301, or more.

Cash payment to cover personal expenses incurred during hospitalization. Benefit is payable on the first day if hospitalization is a result of an accident and on the 4th day if a result of illness/pregnancy

• Maximum of $50 per day for covered individuals under 65 years of age and children; $30 per day for covered individuals 65 years and over.

Note: During the first 12 months after the effective date of coverage, cash payment will not be made for costs related to any illness diagnosed within a 12-month period prior to the effective date

• Benefit pays a scheduled amount depending on which bone is fractured. If more than one bone is fractured in a single accident, the amount payable is for the most severe fracture. Fracture payments are as follows:

• $250,000 lifetime maximum per covered person ($260,000 for Adults over age 65)
• Chiropractor, Chiropodist, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist – $20 maximum per visit, 20 visit maximum per discipline per person, per anniversary year (payable only after Government Health Insurance Plan maximums have been reached, if applicable)
• Chiropractic X-ray – $35 maximum per person, per anniversary year
• Psychologist – $80 maximum first visit, $65 maximum subsequent visits, 10 visit maximum per person, per anniversary year
• Speech Pathologist/Therapist - $65 maximum first visit, $45 maximum subsequent visits, 10 visit maximum per person, per anniversary year
• Physiotherapist – $250 maximum per person, per anniversary year
• Homecare and Nursing, Prosthetic Appliances, Durable Medical Equipment – covers the services of registered healthcare professionals, surgical bandages and dressings, the purchase or rental of medically necessary equipment such as crutches, non-electric wheelchairs and hospital beds, oxygen and other equipment. All equipment, supplies and services must be recommended by the physician and approved by Manulife Financial. This benefit also covers the costs towards prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies.

The maximum per person, per anniversary year for each of these 3 categories of benefits separately is according to the following:
 

Year 1	Year 2	Year 3	Year 4	Year 5+
$1,000	$1,300	$1,500	$1,700	$3,000

Note: $225 maximum per person, per anniversary year for custom-made Orthotics, which are included as part of Durable Medical Equipment.

• Lifeline^®‡ Personal Response Service – for people coping with medical challenges at home and wanting to lead more independent lives, Lifeline may be a solution. With the simple press of a button, worn in the home, the 24-hour monitoring service is alerted that help is needed. Lifetime maximum of 3 months of service, not including installation fee
• Accidental Dental – covers dental treatment required as a result of an accidental blow to the head or mouth, within 90 days following the accident; $2,000 maximum per person, per anniversary year
• Ambulance Services – provides coverage for unlimited ground transportation 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.

Best Doctors^®
The Best Doctors benefit enables you to take advantage of any of the following services:

• Medical Advice and Treatment Planning – upon diagnosis of serious illness or injury, a review of the individual’s medical files may be completed to confirm the initial diagnosis and recommend the most effective treatment; includes access to the latest technologies and the opinions of world-class specialists to reduce potentially serious complications from misdiagnosis, and help local treating physicians determine the proper course of action.
• Identification of the Right Care Provider – a customized search of global database of over 50,000 world-class specialists and recommendations for specific medical needs; includes access to a Personal Advocate
• Care Management – assistance with the hospital admittance process and medical appointments, including co-ordination of necessary information among medical specialists involved, monitoring of treatment process to ensure medical priorities are met, and if travel is required, assistance with reservations and accommodations.

Vision Care

• $100 maximum per person per 2 consecutive benefit years to cover the costs towards prescription lenses, frames, contact lenses and laser eye surgery
• $30 maximum for Optometrist fees per person 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 guarantee for a period of 2 benefit years. This warranty applies to lenses and frames purchased with the Flexcare Vision benefit.

No deductible is charged to you if your eyeglasses can be repaired. If beyond repair, your eyeglasses will be replaced and a $50 deductible charged for eyeglasses originally purchased for up to $250; a $75 deductible, if the original purchase price was $251 to $300; and a $100 deductible, if your eyeglasses originally cost $301, or more.

Cash payment to cover personal expenses incurred during hospitalization. Benefit is payable on the first day if hospitalization is a result of an accident and on the 4th day if a result of illness/pregnancy

• Maximum of $50 per day for covered individuals under 65 years of age and children; $30 per day for covered individuals 65 years and over.

Note: During the first 12 months after the effective date of coverage, cash payment will not be made for costs related to any illness diagnosed within a 12-month period prior to the effective date.

• Coverage provides up to $5 million for emergency health expenses for trips lasting a maximum of 9 days.

Note: Coverage may be limited or excluded for any illness or condition that first manifested itself within the 9 month period preceding the effective date of coverage. Travel coverage is not available to individuals 65 years of age and over.

• $250,000 lifetime maximum per covered person ($260,000 for Adults over age 65)
• Chiropractor, Chiropodist, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist – $20 maximum per visit, 20 visit maximum per discipline per person, per anniversary year (payable only after Government Health Insurance Plan maximums have been reached, if applicable)
• Chiropractic X-ray – $35 maximum per person, per anniversary year
• Psychologist – $80 maximum first visit, $65 maximum subsequent visits, 10 visit maximum per person, per anniversary year
• Speech Pathologist/Therapist - $65 maximum first visit, $45 maximum subsequent visits, 10 visit maximum per person, per anniversary year
• Physiotherapist – $250 maximum per person, per anniversary year
• Homecare and Nursing, Prosthetic Appliances, Durable Medical Equipment – covers the services of registered healthcare professionals, surgical bandages and dressings, the purchase or rental of medically necessary equipment such as crutches, non-electric wheelchairs and hospital beds, oxygen and other equipment. All equipment, supplies and services must be recommended by the physician and approved by Manulife Financial. This benefit also covers the costs towards prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies.

The maximum per person, per anniversary year for each of these 3 categories of benefits separately is according to the following:
 

Year 1	Year 2	Year 3	Year 4	Year 5+
$1,000	$1,300	$1,500	$1,700	$3,000

Note: $225 maximum per person, per anniversary year for custom-made Orthotics, which are included as part of Durable Medical Equipment.

• Lifeline^®‡ Personal Response Service – for people coping with medical challenges at home and wanting to lead more independent lives, Lifeline may be a solution. With the simple press of a button, worn in the home, the 24-hour monitoring service is alerted that help is needed. Lifetime maximum of 3 months of service, not including installation fee
• Accidental Dental – covers dental treatment required as a result of an accidental blow to the head or mouth, within 90 days following the accident; $2,000 maximum per person, per anniversary year
• Ambulance Services – provides coverage for unlimited ground transportation 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.

Best Doctors^®
The Best Doctors benefit enables you to take advantage of any of the following services:

• Medical Advice and Treatment Planning – upon diagnosis of serious illness or injury, a review of the individual’s medical files may be completed to confirm the initial diagnosis and recommend the most effective treatment; includes access to the latest technologies and the opinions of world-class specialists to reduce potentially serious complications from misdiagnosis, and help local treating physicians determine the proper course of action.
• Identification of the Right Care Provider – a customized search of global database of over 50,000 world-class specialists and recommendations for specific medical needs; includes access to a Personal Advocate
• Care Management – assistance with the hospital admittance process and medical appointments, including co-ordination of necessary information among medical specialists involved, monitoring of treatment process to ensure medical priorities are met, and if travel is required, assistance with reservations and accommodations.

Vision Care

• $100 maximum per person per 2 consecutive benefit years to cover the costs towards prescription lenses, frames, contact lenses and laser eye surgery
• $30 maximum for Optometrist fees per person 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 guarantee for a period of 2 benefit years. This warranty applies to lenses and frames purchased with the Flexcare Vision benefit.

No deductible is charged to you if your eyeglasses can be repaired. If beyond repair, your eyeglasses will be replaced and a $50 deductible charged for eyeglasses originally purchased for up to $250; a $75 deductible, if the original purchase price was $251 to $300; and a $100 deductible, if your eyeglasses originally cost $301, or more.

• Coverage provides up to $5 million for emergency health expenses for trips lasting a maximum of 9 days.

Note: Coverage may be limited or excluded for any illness or condition that first manifested itself within the 9 month period preceding the effective date of coverage. Travel coverage is not available to individuals 65 years of age and over.

• Benefit pays a scheduled amount depending on which bone is fractured. If more than one bone is fractured in a single accident, the amount payable is for the most severe fracture. Fracture payments are as follows: