Manulife Financial
FlexCare Add-Ons (optional benefits)

Hospital Enhanced
(Medical questionnaire required)

• Semi-private or private room coverage

• 100% per anniversary year

• The reasonable and customary provincial room rates will be paid up to a maximum of $200 per day

• Cash Benefit - $50 ($20 in Alberta) 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

 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.

• $70 maximum for Optometrist fees per 2 consecutive benefit years (payable only after Government Health Insurance Plan maximum has been reached, if applicable)

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

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

 Travel +8 days
(No medical questionnaire required)

Trips of up to 17 days  (9 days of Basic plan + 8 days of Add-on) are covered, up to $5,000,000 per covered person per trip.

Travel coverage may be limited or excluded for any illness or condition which first manifested itself within the 9 month period preceding the effective date of coverage.

Travel coverage is not available to persons age 70 and over.

Trips over the selected number of days are not covered; to purchase a top-up or separate travel insurance coverage, please call 1-877-443-0101

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 and adults age 65 and over

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.

 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.