Subject to Applicable Agreements

Any purchase of insurance from this Site will be subject to the applicable laws and the terms and conditions of the contract of coverage as issued by Manulife.


Information Accuracy

The content on our site is for informational purposes only, and should not be interpreted as a recommendation for any specific product or service, use or course of action. It's not intended to be used as a substitute for financial, legal, accounting, tax, or other professional advice or services, so please don't rely on it for these purposes. We are unable to guarantee that the information contained in our site is accurate at all times or suitable for any particular purpose and we make no express or implied representations or warranties about the information. We won't be responsible for any reliance you or any other party might place upon the information and we won't be responsible for any damages you or others might suffer, even if we had been warned of the possibility of these damages.

Use of this Site shall be on an "as is" basis and entirely at your own risk.


No Liability

Manulife, its affiliated companies, its officers, directors, agents or employees, or any other person associated with the creation or operation of this Site, shall not be liable or responsible for any harm, loss or damage (whether arising in contract, tort, negligence, or otherwise) that may arise in any connection with use of this Site, including any direct, indirect, special, third party, or consequential damages.


Customer Information

You agree that all information you provide to Manulife in any connection with this Site is true, accurate and complete in all ways and you acknowledge that Manulife relies on that information to provide you with information and/or insurance coverage. Manulife works hard to provide the right insurance solutions, both quickly and efficiently. Your application will be processed upon submission, but we reserve the right to request additional supporting information at any time after your policy application has been received and reviewed.


Important Notice

This is not a contract. Actual terms and conditions are detailed in the policy issued by Manulife upon application approval. It contains important information concerning details, terms, conditions and limitations. Please read it carefully upon receipt.


Medically Underwritten

If the plan is "medically underwritten" 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. The premium charged and/or benefits offered could be subject to adjustment or modification of coverage, or declined based on you or your family's medical background. This will be determined after an evaluation of the information provided on the enclosed medical questionnaire. As part of the application process, we may reach out to you to obtain additional medical information.


Effective Date of Coverage

Coverage is effective the first day of the month following the approval of the application.


Acceptance Period

If you and/or your family's medical history is such that a higher premium is required or that special conditions be applied to benefits (see Medically Underwritten), you will be notified in writing prior to your decision to accept the coverage. If at that time you decide not to proceed with the coverage, any initial payment will be returned and your application cancelled.


Hospitalization / Pregnancy

Full coverage is available for expectant mothers who qualify for additional Hospital coverage benefit within the first 20 weeks of pregnancy (Maternity Hospital stay is limited to 2 days). Manulife cannot guarantee the availability of private or semi-private hospital accommodation.



Unused portion of benefits cannot be accumulated and added to coverage in future months or years. All maximums are per person, not per family, in Canadian Dollars.



Parents with an existing Flexcare Plan can add their newborns to the same coverage and plan if an application is made within 30 days of birth, subject to the plan maximum in Canadian Dollars for each individual. If application is after their 30th day, medical information will be required.


Warning re Internet Explorer - Intellisense "AutoComplete" or similar features used by other browsers

Later versions of Internet Explorer offer a feature named "AutoComplete". Among other uses, AutoComplete works when filling out forms on the Web. After the first time you type your name or other frequently used information into a form, AutoComplete "remembers" it. The next time you start to type your name, AutoComplete gives you a drop down list of matches for you to select from. AutoComplete, or similar features of other browsers, potentially present a security issue, in that any information entered on websites can be accessed by future users of that same computer via the drop down boxes.

Note: The information used for suggested matches is stored and encrypted for privacy on the user's computer, and is NOT stored on Manulife's server.

Manulife does not encourage or discourage use of this feature, and assumes no responsibility for private information made available to other users of the same computer at a later date.

Should you wish to disable "AutoComplete" or a similar feature of another browser please consult your reference manual or contact the manufacturer.