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Manulife Financial


Personal Plans for Individuals and Small Business

(for Ontario, Alberta and British Columbia residents)

 

Summary of Benefits

Manulife Financial offers the following individual Health&Dental insurance products:

  ►  FlexCare®  provides supplemental health and dental coverage to those not covered by a group plan or not satisfied with the health coverage they have today. You can choose from the next FlexCare®  plans:

           

 

  Core Plans

           

 

 Stand-Alones

          

 

  Add-Ons

           

 

  FlexCare® Select

 

   ►  FollowMeTM is designed to offer uninterrupted health and dental coverage for you and your family, when your employment and group benefits end. If you apply within 60 days of your loss of group health and dental benefits, you will qualify without having to complete a medical questionnaire. And with four levels of protection to choose from, you can select the plan that meets your specific needs.

 

FlexCare® Core Plans

Core Plans let you choose between dental coverage, drug coverage or a combination of both. With each Core Plan you'll also receive coverage for registered specialists, travel emergencies, accidental death and dismemberment and more. Your provincial plan doesn't cover all this.

If you are 65 years of age or over, you are likely to have special health priorities. That is why Flexcare® health plan coverage is adjusted to reflect your needs.

a    Prescription Drug Plans   -  DrugPlus™

DrugPlus™ offers two levels of prescription drug coverage:

a    Dental Plans   -   DentalPlus

DentalPlus  offers two levels of dental coverage (No medical Questionnaire required):

a    Prescription Drug&Dental Plans - ComboPlus™

ComboPlus™   offers three levels of combination drug and dental coverage:  

 

FlexCare® Add-Ons

These coverage options are only available with Core Plan. They allow to customize your FlexCare DrugPlus, DentalPlus, ComboPlus Core plan to create your own coverage.

 

FlexCare® Stand-Alones 

These coverage options are available without a DrugPlus, DentalPlus and ComboPlus plan. So you can select one or more Stand-Alones to create your own health plan:

 

 

FlexCare® Select (No medical Questionnaire required)

Flexcare® Select plan provides Extended Health Care benefits and Best Doctors® Solutions Services, and then allows you to select 2 of 4 additional benefit options: Accidental&Dismemberment, Hospital Cash, Travel Coverage, Fracture Benefit. No medical questionnaire is required for these plans.


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.

 

 

 

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Investments:    RESP     RRSP     TFSA     Guaranteed Investments     Segregated Funds

                                                       September 17, 2011