Flexcare®
Who’s this plan for?
- Small business owners, gig workers, freelancers
- New immigrants to Canada
- People who want to top up their existing group benefits coverage
Why consider this plan?
- No medical questions or exams are required at the time of application (only for some plan options)
- Flexcare offers a combination of budget-friendly, comprehensive, and flexible plan options
- All plans come with built-in massage therapy, chiropractor, vision, and much more
- You can buy optional plan riders to get even more protection
- Get 24/7 access to medical consultations with health care professionals from TELUS Health Virtual Care, when and where you need it
Fill any insurance gaps with confidence knowing you’re covered for all the care and health expenses tailored to your needs whether you’re looking for small business health insurance or you’re a worker in the gig economy.
Live a healthier life with Manulife Vitality.
Learn More
Guaranteed Issue Enhanced Plan
Who’s this plan for?
- Individuals seeking health insurance for pre-existing conditions. This also includes people who have regular prescription drug costs
- People looking for prescription drug coverage available to those with pre-existing conditions
Why consider this plan?
- There are no medical questions to answer and no physical exams required to get approved for coverage
- Plans include prescription drugs, dental, vision, massage therapy, chiropractor, medical supplies coverage, and much more
- Includes an Emergency Medical Travel Insurance benefit that’s built right into the plan
- Get 24/7 access to medical consultations with healthcare professionals from TELUS Health Virtual Care, when and where you need
Get comprehensive health insurance that covers pre-existing medical conditions and is easy to apply for, quick to start, and doesn’t require any invasive tests or lengthy medical questionnaires to get approved.
FollowMe™
Who’s this plan for?
- People who will soon lose their existing group benefits coverage
- Persons who have lost–or are leaving–their current job
- Recent retirees
- Dependents who lose their parents’ employer health benefits
Why consider this plan?
- No medical questions or exams are required for all plan options – provided you apply within 90 days of when your other group benefits ended
- FollowMe provides comprehensive and affordable replacement health and dental coverage
- Plans include built-in prescription drug, vision, massage therapy, physiotherapy coverage, and much more
- Get 24/7 access to medical consultations with health care professionals from TELUS Health Virtual Care, when and where you need it
Get health and dental benefits plus extended health insurance benefits-guaranteed-with no medical questions asked so long as you apply within 90 days of losing your other employer health benefits**.
Live a healthier life with Manulife Vitality.
Learn More
Critical Illness
Who’s this plan for?
- People who want a little extra financial support in the future, if or when they’re diagnosed with covered a critical illness*
- People looking for reassurance they’ll have day-to-day expenses covered if they receive a critical illness diagnosis.
Why consider this plan?
- There are no medical questions or exams at the time of application — simply sign a declaration of your good health
- Up to $75,000 in coverage is available, depending upon your age
- Critical illness insurance pays a lump sum directly to you
- If you never make a claim, a ‘Return of Premium Option’ refunds you the premiums you paid when you reach age 75, up to the policy amount**
Every year, thousands of Canadians learn they have a critical illness.1 If that happens to you, having critical illness insurance protection in place for covered conditions can give you added financial flexibility so that you can focus on your health.
* Cancer, heart disease, stroke and more
** Available to Canadian residents age 18 to 55
1 www.cancer.ca, www.heartandstroke.ca
How it works
Health insurance in Canada covers vision, dental, and medical expenses you may incur. Canadian residents have access to policies for basic medical services through their Provincial Health Plan. Supplemental plans cover expenses that your provincial plan may not. For example, Ontario Health Insurance Plan (OHIP) does not cover eyeglasses but Flexcare, one of Manulife’s supplemental health and dental insurance plans, does (subject to maximums).
The price of coverage (which includes premiums, copay and deductible) will vary depending on the plan and amount of coverage you pick. You can explore the available plans and get a quote to learn more.
- Start by assessing the coverage you have through your government health care plan and any work benefits you have.
- Then, consider where you may be lacking coverage.
- Explore the available plans and compare them to your needs.
- When you find a plan that suits you, get a quote, and then complete the online application process.
Copay (short for copayment) is generally standard to most health insurance plans. A copay is a flat fee paid by the insured on some health care services such as doctors’ visits. For example, the insured pays a flat $10 on prescriptions and insurance covers the remaining balance up to plan and annual maximums (maximum amount to be paid out by insurance provider in a year). Manulife Individual Health and Dental plans do not apply a copay, but do apply a co-insurance. Co-insurance is also an amount paid by the insured on health and dental claims expressed as a percentage not a flat fee.
You can have group benefits (provided to a group of members, most commonly by your employer) and an individual health insurance plan. However, you cannot have multiple Manulife individual health insurance plans.
Yes, insurance plans have plan maximums (maximum amount to be paid out by insurance provider for a specific plan). Maximums vary depending on plan and specific services or items being covered. These maximums can be annual maximums (maximum amount to be paid out by insurance provider in a year) and/or lifetime maximums (maximum amount to be paid out by insurance provider during the lifetime of your policy and/or benefit). Once your health insurance plan is maxed out the insurer will not reimburse future claims.
You must meet the following requirements:
- be a resident of Canada
- be covered under your government health insurance plan
- be at least 18 years of age on the date of application for the policy, except for children of an insured person
- Quebec residents must also be registered under the RAMQ Prescription Drug Insurance Plan or have equivalent coverage under a group plan
Note: If the insurance is medically necessary or requires a medical questionnaire, you must disclose any medical condition, injury or illness that occurred or existed on or before the date of your application, regardless of whether you went to see a doctor about the condition or were given a diagnosis, or whether or not you believe that it is important.
An annual premium is the amount you pay for your health insurance. Cost of insurance varies based on factors such as age, type of coverage etc. The first premium payment is due before the effective date of the policy.
Yes, as most Canadians have coverage under their provincial plan. For non-Canadian residents who aren’t covered under provincial plans, medical expenses can be costly. It is recommended that non-Canadian residents look at health insurance options such as a Manulife CoverMe Visitors to Canada plan, as provincial plans such as OHIP will only come into effect after 3 months.
Dependents & Co-applicants
No, child support is not required to include health insurance. This is a personal decision.
Yes, marriage is a qualifying event (or a life event) for health insurance. Qualifying events include major events that make you eligible to change your plan outside of the period where you can sign up for or change your health insurance. A qualifying event also allows you to add or remove dependents from your policy.
Coverage only applies to immediate family in your household. A grandchild can only be added as a dependent if you have legal guardianship and they reside with you.
Stepchildren can be covered, however, this is supplemental (an accessory). Biological and adoptive children are covered as long you have legal guardianship. Family coverage (insurance policy that covers family members as well as the primary insured) does not cover members of your household if they are stepchildren.
This is a personal decision and may be beneficial to cover expenses your provincial plan may not. While it is a personal choice, newborns can be added to the policy within the first 30 days without medical underwriting (this is when medical or health information is used to evaluate coverage).
This coverage can help cover expenses that are not covered by individual health insurance plans (insurance purchased on your own) and or provincial plans. It’s crucial to cover unexpected medical expenses, as their financial impacts can be devastating. For example, OHIP does not cover drugs administered outside of a hospital setting, whereas supplemental health insurance may.
Plans vary depending on your coverage. Flexcare and FollowMe customers can stay on their insurance up to the age of 21. Most group plans (insurance provided to a group of members, most commonly by your employer) cover children to the age of 21 if they are not in school, or up to age 25 if they are enrolled in a post-secondary program.
Critical Illness
The CoverMe® Critical Illness Insurance plan was designed for healthy individuals between the ages of 18 and 65 who want a basic amount of affordable critical illness coverage that can be obtained quickly, easily and without a medical questionnaire.
In the Critical Illness Insurance Health Declaration, "signs and/or symptoms" of heart disease means any indication that heart disease may exist. These include:
- Chest pain
- Chest discomfort possibly radiating to arms, neck or jaw
- Irregular heart rate
- Shortness of breath
- Cold sweats
- Nausea
- Lightheadedness
However, these signs or symptoms could be caused by conditions other than heart disease.
In the Critical Illness Insurance Health Declaration, "medical consultations" means visits to a doctor or medical practitioner prompted by signs or symptoms related to the conditions named in the Health Declaration. Medical consultations do not include routine check-ups that were not prompted by these signs or symptoms.
In the Critical Illness Insurance Health Declaration, "abnormal tests" means tests that have a "positive" result or require further testing, investigation or consultation, for example:
- Positive ECG
- Positive stress test
- Positive chest x-ray
- Elevated PSA test
- Positive mammogram
- Elevated blood sugar test
- Positive colonoscopy
They do not include tests with "negative" or normal results that do not require further investigation, run for either diagnostic or routine purposes.
You may still be eligible. However, you are not eligible if you have had an abnormal ECG or been diagnosed with or experienced symptoms of coronary artery disease, heart attack, stroke, TIA or heart surgery.
Discover more
Health & Dental Insurance Explained
Health and dental plans that are easy to understand, buy and manage. Learn more
What’s covered and what’s not covered by provincial government’s health insurance plans
Prescription drugs, dental care and more are not covered under universal healthcare. Find out how private insurance can fill the gaps. Learn more
Virtual healthcare trends
Is virtual healthcare the way of the future? Explore now
The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality is a trademark of Vitality Group International, Inc., and is used by The Manufacturers Life Insurance Company and its affiliates under license. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company, and are used by it, The Vitality Group and its affiliates under license. PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8.
Eligibility and availability of rewards are not guaranteed and may change over time. Insurance provided by The Manufacturers Life Insurance Company.
* Free Apple Watch refers to Apple Watch SE with $0 initial payment (plus tax) and $0 monthly payments earned by accumulating 500 Vitality Points through Standard or Active Workouts every month for 24 months. Initial payment does not include applicable taxes or upgrades which may include cellular models. Tax on initial payment is based on retail value of Apple Watch. Apple Watch Ultra 2, Apple Watch Series 10, and Apple Watch SE require iPhone Xs or later with iOS 18 or later. Wireless service plan required for cellular service. Contact your service provider for more details. Connection may vary based on network availability. Check apple.com/watch/cellular for participating wireless carriers and eligibility. See support.apple.com/en-us/HT207578 for additional setup instructions. Eligibility for specific rewards or participation in specific reward programs may vary. Apple Watch and iPhone service provider must be the same. The full value of the Apple Watch SE is $329, which is comprised of monthly payments of $13.70 per month over 24 months. The full value of the Apple Watch Series 10 is $549, comprised of an initial payment of $220 plus tax, then monthly payments of $13.70 per month over 24 months. The full value of the Apple Watch Ultra 2 is $1,099, comprised of an initial payment of $770 plus tax, then monthly payments of $13.70 per month over 24 months. Each monthly payment can be reduced to as little as $0 depending on how many Vitality Points you earn. Apple is not a participant in or sponsor of this promotion. Apple Watch is a trademark of Apple Inc. All rights reserved.
1 The first 30 days of your policy are known as the free-look period. If you decide that you don’t want your policy, simply notify us. We’ll cancel your policy and send you a full refund, minus the Vitality charge and any claims we’ve paid. If the claims we paid are more than your payments, you must repay the difference. This is right of cancellation expires 30 days after the policy is received by you and doesn’t apply to any reissue, substituted or consolidated policy continuing coverage that started under a previously issued policy. The rights of any beneficiary under the policy are also subject to this right of cancellation.
2 The prescription drug maximum is $2,600 per anniversary year for the FollowMe Premiere plan. $2,600 drug max does not apply to Quebec. Prescription drug coverage is subject to exclusions, please see policy for more details.
3Access to TELUS Health Virtual Care requires member portal registration and Manulife cannot guarantee this benefit indefinitely.
4 Guaranteed acceptance upon meeting the eligibility criteria and receipt of first premium payment. See full policy for details.