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Flexcare Health Insurance Plans

Flexcare® Health Insurance

Simple, affordable health insurance for you and your family

Tired of paying for routine, day-to-day health care expenses out of your own pocket? With the affordable, flexible coverage offered by a Flexcare individual health insurance plan, you'll gain the added confidence of knowing that many of your health-related expenses, both routine and unexpected, will be covered.

To learn more about the plans, please choose your province of residence.

Flexcare® Plan Features

Flexible, affordable coverage
Understanding that different families and different individuals have different needs, Flexcare allows you to choose both the type and amount of coverage you want. That way you'll pay only for the coverage you really want and need.

Protection that's right for you and your family
Choose the Core Plan and Add-On options that best suit your lifestyle and budget, or create your own plan based on our Stand-Alone options.

Coverage is tailored to your province
Provincial health insurance plans differ across Canada. Recognizing this, Flexcare adjusts the coverage from province to province so you'll have the protection you need from routine or unexpected health care expenses – no matter where you reside.

Comprehensive coverage – whatever your focus
Flexcare offers you coverage for prescription drugs, dental services, or a combination of both. All Core plans also include vision care, emergency travel coverage and a wide range of extended health care benefits, such as registered specialists and therapists, hearing aids, homecare and nursing, Health Service Navigator®, and more.

Portable coverage that follows you wherever you go
Flexcare individual health insurance isn't tied to an employer. That means you'll "own" your coverage as long as you want – regardless of any changes in your employment or health in the future.

Increased coverage for those 65 or better
Recognizing that you may have special health priorities, Flexcare offers enhanced coverage in the areas where you may need it most.

Potential tax advantages for small business owners/self-employed
Are you a small business owner or self-employed? You may be able to deduct supplemental health insurance premiums from your business income.

Special rates
For couples and families with three children or more.

Hassle-free electronic claims submission
Most of your prescription drug and dental claims can be settled automatically using your Flexcare benefits card, giving you one less thing to worry about.

Flexible payment options
Choose the payment method that suits you best: Visa, MasterCard, American Express or direct monthly withdrawal from your chequing account by Pre-Authorized Debit.

Earn AIR MILES® reward miles
You can earn AIR MILES® reward miles when you get a free, no-obligation quote, and then every year thereafter, as long as you remain a policyholder.

Applying is fast and easy
Health insurance is an essential part of any sound financial plan. Apply online in the comfort of your home, when it's convenient for you.

Flexcare® Plans

Core Plans

Building a Flexcare plan is easy. To get started, simply choose one of the Core plans – DentalPlusTM, DrugPlusTM or ComboPlusTM – offering dental coverage, drug coverage or a combination of both.

No matter which plan you decide on, you'll also receive generous coverage for many other health-related expenses that your provincial health plan doesn't cover. Core plans include vision care, emergency medical travel coverage, extended health care such as registered specialists and therapists, accidental dental, homecare and nursing, Health Service Navigator®, accidental death and dismemberment, and more.


Once you have chosen a Flexcare Core plan, you can customize it to your individual needs with Add-Ons that will increase your coverage in certain areas you feel are necessary. Available only with a Flexcare Core plan, these options allow you to gain additional protection for hospital accommodation or catastrophic coverage, to increase your extended health care, vision care and emergency medical travel coverage.


Flexcare Stand-Alone options allow you to build a unique plan that will give you hospital coverage, catastrophic coverage or both – without purchasing a more comprehensive Flexcare Core plan.

Potential Tax Advantages for Small Business Owners

Your coverage could pay for itself.

Are you self-employed or a small business owner? You may be able to deduct your supplemental health insurance coverage premiums from your business income. When you add up the potential tax savings, that means your Flexcare health insurance plan could virtually pay for itself.

Here's how:

Flexcare Annual Premium$800
Tax deduction assuming 20% marginal rate-160
Total Net Cost640
Saved Annual Expenses
(paid through Flexcare):
Prescription drug costs - 140
Dental costs - 210
Contact lenses - 100
Chiropractor/Registered Massage Therapist- 190
Total Expenses- 640
Your Cost 0*

* The example shown is for illustration purposes only and is not meant to be representative of every situation. Your actual savings will depend on the policy selected and the expenses you incur. Please refer to your policy for complete coverage details, and consult your financial advisor.

Flexcare Important Notice

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