Get Apple Watch.
Get Active.
Get Rewarded.
Individual Manulife Vitality program members get Apple Watch from just $0*
Get Apple Watch.
Get Active.
Get Rewarded.
Individual Manulife Vitality program members get Apple Watch from just $0*
Get Apple Watch.
Get Active.
Get Rewarded.
Individual Manulife Vitality program members get Apple Watch from just $0*
Help protect your health and your budget with health insurance
Costs for health-related services can add up quickly, whether you're filling a prescription, visiting the dentist, getting new glasses or mapping out a course of treatment for a critical illness. Health insurance helps you manage routine and unexpected costs, protecting your budget and your lifestyle.
Flexcare® Plans
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 – for some plan options
- Flexcare offers a combination of budget-friendly, comprehensive, and different flexible plan options
- All plans come with built-in massage therapy, chiropractor, vision coverage, and much more
- You can add on optional plan riders to get even more coverage
- 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 you have now, and be confident knowing you’re covered for all the care and health expenses that may come up, right when and where you need it.
Live a healthier life with Manulife Vitality.
Learn More
Guaranteed Issue Enhanced Plan
Who’s this plan for?
- People who have pre-existing medical issues and regular, prescription drug costs
- People looking for what many consider the best 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
- Guaranteed Issue Enhanced Plan includes an Emergency Medical Travel Insurance benefit that’s built right into the plan
- Get 24/7 access to medical consultations with health care professionals from TELUS Health Virtual Care, when and where you need it
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™ Plans
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 benefits – guaranteed – no medical questions asked so long as you apply within 90 days from when you lost 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 and 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 – 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 CI insurance protection in place 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
Manulife Vitality is available on all CoverMe Flexcare® and FollowMe™ health & dental plans.
How it works
Health insurance covers vision, dental, and medical expenses you may incur. Canadian residents have access to coverage for basic medical services through their Provincial Health Plan. Supplemental health insurance plans cover expenses 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 plan does (subject to plan maximums).
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 a group benefit plan (a plan 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, health 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 plan 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.
To get health insurance, you must meet the following requirements:
- be a resident of Canada,
- have coverage 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, and
Note: If the plan 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, you can get treated without health insurance 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 Visitor to Canada plan as provincial plans such as OHIP will only come into effect after 3 months.
Dependents & Co-applicants
No, child support does not have to include health insurance. This is a personal decision as child support is not required to include a health insurance plan.
Yes, marriage is a qualifying event (or a life event) for health insurance. Qualifying events include major events that makes you eligible to change their plan outside of the period where you can sign up for or change your health insurance plan. A qualifying event also allows you to add or remove dependents from your policy.
No, coverage for health insurance only applies to immediate family in your household. A grandchild can be added as a dependent if you have legal guardianship and they reside with you.
Stepchildren can be covered under health insurance however it 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 for 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 (is when medical or health information is used to evaluate to evaluate coverage).
Health insurance coverage can help cover expenses that are not covered by individual health insurance plans (insurance plans purchased on your own) and or provincial plans. Health insurance is crucial to cover unexpected medical expenses. Financial impacts from these unexpected 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 plan up to the age of 21. Most group plans (plans 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 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 completing 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 – for example:
- 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.
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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.
* 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 9, and Apple Watch SE require iPhone Xs or later with iOS 17 or later. Wireless service plan required for cellular service. 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 9 is $549, comprised of an initial payment of $97 plus tax, then monthly payments of $18.50 per month over 24 months. The full value of the Apple Watch Ultra 2 is $1,099, comprised of an initial payment of $647 plus tax, then monthly payments of $18.50 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 Watch SE can be upgraded to Apple Watch Series 9 for an additional $97. Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved.