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Manulife Financial
FlexCare Add-Ons (optional benefits)

These coverage options are only available with Flexcare Core Health Insurance plans.

 

Summary of Benefits

Hospital Basic

Hospital Enhanced

Vision Enhanced

Travel +8 days

Travel +21 days

Unlimited coverage for prescription drugs:

Catastrophic Coverage - $4,500 deductible
Catastrophic Coverage - $10,200 deductible

Accidental Death & Dismemberment Enhanced

 

 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 ($15 in Alberta) 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.

 

 

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

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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.

  • $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.

 

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 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

 


 Travel +21 days

(No medical questionnaire required)

Trips of up to 30 days  (9 days of Basic plan + 21 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

 

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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 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.

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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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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. If approved, coverage is effective the first day of the month following final approval of the application.

 

NOTE: The product related information is for illustration purpose only.  Please Click here for more information and to get a quote & apply ONLINE.

 

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Revised: August 22, 2020.