If you’re self-employed or your employer doesn't provide Health and Dental Insurance, you know that expenses not covered by government health plans can add up quickly, like prescriptions, dental care, vision, hearing and therapeutic services.
You can choose Extended Health Care and/or Dental Care depending on your needs.
Choose the plan that’s right for your family – the Extended Health care plan includes coverage for you and your family for prescription drugs, vision care, registered specialists and therapists, and much more including special benefits like:
Get the level of dental care you need with the addition of this plan. Plan includes coverage for diagnostic, preventative and restorative dental care. Major Dental coverage for things like dentures and crowns are also available.
Extended Health Care Pre-Existing Exclusion
Our underwriters base their decision to exclude a condition or conditions on the health information you declare on the application and/or information your doctor provides during the underwriting process. Excluded conditions will not be covered under the contract.
Out of Province/Territory and/or Out of Canada Exclusions
You will not be covered for any loss or expenses you incur while outside of your province of residence and/or Canada caused or contributed to by:
You will only be reimbursed eligible expenses not covered by a provincial or territorial plan. You will not be reimbursed expenses covered by any government program or other program of health insurance. Manulife will be entitled to the reimbursement of any amounts it pays which are recovered from a third party. In addition, you will not receive benefits for that part of any expense in excess of those considered reasonable and customary.
Out of Province and/or Canada Limitation
The coverage period of this insurance for any one trip outside of province of residence and/or Canada is limited to the first 60 consecutive days. The coverage period of this insurance for all trips in any six-month period is limited to the first 75 days in the aggregate. This insurance does not cover any loss or expenses you incur while outside of your province of residence and/or Canada for any period beyond the coverage period.
Out of Province and/or Canada Exclusions
Any medical condition you suffer or contract when an official travel advisory issued by the Canadian government before your departure date states, "Avoid all non-essential travel" or "Avoid all travel" regarding the country, region or city of your destination. To view the travel advisories, visit the Government of Canada Travel site.
Out of Province and/or Canada Pre-existing Condition Limitation
This insurance does not cover any loss or expenses you incur while outside of your province of residence and/or Canada caused or contributed to by any injury or sickness or related condition for which you received treatment or required the use of medication during the 90 days prior to the date you left your province of residence and/or Canada. However, any condition which has been controlled by the consistent use of medication prescribed by a physician is covered, provided that during the same 90-day period the condition was stable and there had been no change in the medication or dosage.
Out of Province and/or Canada Pregnancy and Childbirth Limitation
This insurance does not cover any loss or expenses incurred for the treatment or confinement of mother or child(ren) as a result of pregnancy, miscarriage, childbirth, or complications of any of these occurring within two months of the expected date of birth.
No amount will be paid for charges for:
The plan will pay for reasonable and customary charges for the expenses charged by a dentist, but not exceeding the limit for that service listed in the Provincial General Practitioners Dental Fee Guide. When two or more covered dental procedures are suitable for the dental care of a specific condition, and both are consistent with good dental care, you will receive benefits for the least expensive service. The plan does not reimburse for expenses covered by any government program or other program of insurance. Manulife is entitled to reimbursement of any amounts recovered from a third party.
All applicants must have coverage under a government health care insurance plan in order to be eligible for this insurance product. If anyone on the application does not meet this requirement, please call 1-877-598-2273 for more information.
You must be a Canadian resident and under age 66 if applying for Extended Health Care, or under age 65 if applying for Dental Care. You must also fall under one of the following:
If you are applying or are already covered under Extended Health Care and/or Dental Care, you may also apply for your spouse and eligible children who are covered by government health insurance. Children must be under 25 years of age. Children 21 to 24 must be in full-time attendance at an accredited college or university. Covered children who are incapacitated and dependent on you for support will be covered up to any age.
Coverage under Extended Health Care can be maintained past age 65. Please contact us for the rates that apply to those over 65 years of age.
There is an annual limit of $500 for each practitioner
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