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Choose from 8 different plan options

When purchasing an insurance plan, you can choose from a great combination of health benefits that provide you and your family with comprehensive coverage. There are eight (8) different plan options, including four (4) Dental Plans - with basic health coverage, and four (4) Health & Dental Plans - which include coverage for prescription drugs.

All plans include coverage for vision care, registered specialists and therapists, and much more. And some plans may not require you to complete a medical questionnaire at the time of application, so your acceptance is guaranteed provided that you meet the eligibility criteria.

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Use the tool below to review the available plans by cost, or by which special features and benefits you need most. Review and compare the many plan options available to you to determine which best suits your needs and budget.

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You selected twothreefour plans to compare.

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There are 8 plans that meet your selection.

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HEALTH & DENTAL PLAN OPTIONS
Your premiums
Spouse premiums
Child premiums
Require medical questionnaire when applying? NO YES YES YES
DENTAL SERVICES Covers basic services, paid at a percentage of the current Dental Fee Guide or the reasonable and customary charge in your province of residence. Expandable section - click to expand
Basic:
Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostics and other basics.
70% 70% 80% 80%
Supplementary: Reimbursement on endodontics, periodontics and denture services. 70% 70% 80% 80%
Major Restorative:
Reimbursement on crowns, bridges, dentures and orthodontics.
Not covered Not covered Not covered Year 1 & 2: 0%
Year 3 & beyond: 60% ($800 maximum every 2 consecutive years)
Combined anniversary year maximums $400 per year $500 per year Year 1: $600
Year 2 & beyond: $900
Year 1: $750
Year 2: $1,000
Year 3: $1,200
Year 4: $1,200
Year 5 & beyond: $1,500
Recall visits 9 months 9 months 9 months 6 months
PRESCRIPTION DRUGS Expandable section - click to expand
Generic* vs. brand-name coverage Generic Generic Generic Brand-name
Shared dispensing fee (none for Quebec) $6.50 maximum $6.50 maximum $7.50 maximum Covered
Birth control and fertility drugs Not covered Not covered Covered Covered
Reimbursement per anniversary year†† 70% of first $750 70% of first $500 70% of first $500 90% of first $2,222
Reimbursement on next amount per anniversary year†† None 80% of next $2,500 100% of next $4,650 100% of next $8,000
Maximum per anniversary year†† $525 $2,350 $5,000 $10,000
HEALTH BENEFITS (Including Registered Therapists, Vision Care, Travel and more) Expandable section - click to expand
Vision Care -
See new discounts from Preferred Vision and Hearing Services (PVS) below.
$100 per 2 benefit years plus $50 for optometrist visits per 2 benefit years $100 per 2 benefit years plus $50 for optometrist visits per 2 benefit years $150 per 2 benefit years plus $50 for optometrist visits per 2 benefit years $250 per 2 benefit years plus $50 for optometrist visits per 2 benefit years
Hospital Benefits
  • Type of accommodation
n/a n/a Semi-private only Semi-private and private
  • Maximum charge per day
n/a n/a $150 $200
  • Reimbursement per anniversary year
n/a n/a 100% of first 30 days; 50% of next 100 days 100% for complete year
  • Cash benefit in lieu of accommodation
    Note : not available in Quebec
n/a n/a $25 payable per day starting on the 4th day (maximum of $750) $50 payable per day starting on the 1st day (maximum of $3,000)
Accidental Death and Dismemberment $10,000 per adult under 65
$4,000 per child or per adult 65 and older
$12,500 per adult under 65
$5,000 per child or per adult 65 and older
$25,000 per adult under 65
$10,000 per child or per adult 65 and older
$50,000 per adult under 65
$20,000 per child or per adult 65 and older
Travel Coverage (to age 65) - Emergency hospital/medical expenses covered while outside your province or territory of residence. Up to a maximum of $5,000,000 per trip
24-hour worldwide medical assistance centre
Up to a maximum of $5,000,000 per trip
24-hour worldwide medical assistance centre
Up to a maximum of $5,000,000 per trip
24-hour worldwide medical assistance centre
Up to a maximum of $5,000,000 per trip
24-hour worldwide medical assistance centre
  • Number of trips per year
Unlimited Unlimited Unlimited Unlimited
  • Maximum trip length
5 days 9 days 17 days 30 days
Survivor Benefit - Provides continuous coverage for 1 year, following the death of an insured adult. Available 1 year after policy effective date Covered Covered Covered
Registered Specialists & Therapists**
Includes visits to acupuncturists, chiropractors, osteopaths, podiatrists, naturopaths, chiropodists, registered massage therapists, physiotherapists, psychologists, psychotherapists, social workers and speech therapists.
  • Maximum claims paid
$300 per specialist/therapist 80% to a maximum of $450 per specialist/therapist 90% to a maximum of $600 per specialist/therapist $1,500 combined
  • Per visit maximum
$20 n/a n/a n/a
  • Chiropractic X-rays
$35 per year $35 per year $35 per year $35 per year
Psychologist/ Psychotherapist/ Social Worker
  • Maximum per first visit
$80 $80 $80 $80
  • Maximum per subsequent visit
$65 $65 $65 $65
  • Maximum visits per year
10 10 12 15
Speech Therapist**
  • Maximum per first visit
$65 $65 $65 $65
  • Maximum per subsequent visit
$45 $45 $45 $45
  • Maximum visits per year
10 10 12 15
Lifeline Personal Response Service - Provides 24-hour monitoring service for people coping with medical problems at home.¥ 3 months per lifetime 3 months per lifetime 6 months per lifetime 6 months per 3-year period
Homecare and Nursing, Prosthetic Appliances, and Durable Medical Equipment
Covers the services of registered health professionals including a registered nurse, registered practical nurse or personal support worker; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheelchairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies. Payment will be coordinated where benefits are available through the Assistive Devices Program.
For each of Homecare and Nursing, Prosthetic Appliances, and Durable Medical Equipment:
Year 1: $1,000
Year 2: $1,300
Year 3: $1,500
Year 4: $2,000
Year 5+: $2,500
Homecare and Nursing: $2,500 per year
Prosthetic Appliances: $2,500 per year
Durable Medical Equipment: $2,500 per year
Homecare and Nursing: $3,500 per year
Prosthetic Appliances: $3,500 per year
Durable Medical Equipment: $3,500 per year
Combined maximum for Homecare and Nursing, Prosthetic Appliances, and Durable Medical Equipment $8,500 per year
Orthotics Custom-made orthotics: $225 per year Custom-made orthotics: $225 per year Custom-made orthotics: $225 per year Custom-made orthotics: $225 per year
Hearing Aids $300 per 4-year period $300 per 4-year period $400 per 4-year period $500 per 4-year period
Ambulance Services** Unlimited ground and air transport Unlimited ground and air transport Unlimited ground and air transport Unlimited ground and air transport
Accidental Dental $2,000 per year $2,000 per year $2,500 per year $3,000 per year
Health Service Navigator -
Offers evaluation of medical records upon diagnosis of serious illness or injury; medical coordination; second opinions; and web/toll-free health care information.
All covered family members can quickly and easily get answers to questions and access to support services. All covered family members can quickly and easily get answers to questions and access to support services. All covered family members can quickly and easily get answers to questions and access to support services. All covered family members can quickly and easily get answers to questions and access to support services.
Lifetime Maximum $100,000 $250,000 $350,000 $350,000
Diagnostic Services
CAT Scans $200 per anniversary year $200 per anniversary year $200 per anniversary year $200 per anniversary year
CA 125 Test $75 per anniversary year $75 per anniversary year $75 per anniversary year $75 per anniversary year
PSA Test $75 per anniversary year $75 per anniversary year $75 per anniversary year $75 per anniversary year
Ultrasound Scans $50 per anniversary year $50 per anniversary year $50 per anniversary year $50 per anniversary year
Magnetic Resonance Imaging $500 per anniversary year $500 per anniversary year $500 per anniversary year $500 per anniversary year
Audiologist $500 per anniversary year $500 per anniversary year $500 per anniversary year $500 per anniversary year
Laboratory Tests $100 per category, per anniversary year $100 per category, per anniversary year $100 per category, per anniversary year $100 per category, per anniversary year
DENTAL PLAN OPTIONS (with basic health)
Your premiums
Spouse premiums
Child premiums
Require medical questionnaire when applying? NO NO NO NO
DENTAL SERVICES Covers basic services, paid at a percentage of the current Dental Fee Guide or the reasonable and customary charge in your province of residence. Expandable section - click to expand
Basic Services: Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostics and other basics. Year 1: 50%
Year 2 & beyond: 70%
Year 1: 50%
Year 2 & beyond: 70%
Year 1: 60%
Year 2 & beyond: 80%
Year 1: 60%
Year 2 & beyond: 80%
Supplementary Services:
Reimbursement on endodontics, periodontics and denture services.
Year 1: 50%
Year 2 & beyond: 70%
Year 1: 50%
Year 2 & beyond: 70%
Year 1: 60%
Year 2 & beyond: 80%
Year 1: 60%
Year 2 & beyond: 80%
Major Restorative:
Reimbursement on crowns, bridges, dentures and orthodontics.
Not covered Not covered Not covered Year 1 & 2: not covered
Year 3 & beyond: 60%
$800 maximum every 2 consecutive years
Combined anniversary year maximums $400 per year $500 per year Year 1: $500
Year 2 & beyond: $900
Year 1: $750
Year 2: $1,000
Year 3: $1,200
Year 4: $1,200
Year 5 & beyond: $1,500
Recall visits 9 months 9 months 9 months 6 months
PRESCRIPTION DRUGS Expandable section - click to expand
Generic* vs. brand-name coverage n/a n/a n/a n/a
Shared dispensing fee (none for Quebec) n/a n/a n/a n/a
Birth control and fertility drugs n/a n/a n/a n/a
Reimbursement per anniversary year†† n/a n/a n/a n/a
Reimbursement on next amount per anniversary year†† n/a n/a n/a n/a
Maximum per anniversary year†† n/a n/a n/a n/a
CORE BENEFITS Expandable section - click to expand
Vision Care - See new discounts from Preferred Vision and Hearing Services (PVS) below. $100 per 2 benefit years plus $50 for optometrist visits per 2 benefit years $100 per 2 benefit years plus $50 for optometrist visits per 2 benefit years $100 per 2 benefit years plus $50 for optometrist visits per 2 benefit years $100 per 2 benefit years plus $50 for optometrist visits per 2 benefit years
Hospital Benefits - Accommodation in excess of the standard ward room rate.
  • Type of accommodation
n/a n/a n/a n/a
  • Maximum charge per day
n/a n/a n/a n/a
  • Reimbursement per anniversary year
n/a n/a n/a n/a
  • Cash benefit in lieu of accommodation
n/a n/a n/a n/a
Accidental Death and Dismemberment $10,000 per adult under 65
$4,000 per child or per adult 65 and older
$10,000 per adult under 65
$4,000 per child or per adult 65 and older
$10,000 per adult under 65
$4,000 per child or per adult 65 and older
$10,000 per adult under 65
$4,000 per child or per adult 65 and older
Travel Coverage (to age 65) - Emergency hospital/medical expenses covered while outside your province or territory of residence. n/a n/a n/a n/a
Survivor Benefit - Provides continuous coverage for 1 year, following the death of an insured adult. Available 1 year after policy effective date Available 1 year after policy effective date Available 1 year after policy effective date Available 1 year after policy effective date
Registered Specialists & Therapists**
Includes visits to acupuncturists, chiropractors, osteopaths, podiatrists, naturopaths, chiropodists, registered massage therapists, physiotherapists, psychologists, pyschotherapists, social workers and speech therapists.
  • Maximum claims paid
$300 per specialist/therapist $300 per specialist/therapist $300 per specialist/therapist $300 per specialist/therapist
  • Per visit maximum
$20 $20 $20 $20
  • Chiropractic X-rays
$35 per year $35 per year $35 per year $35 per year
Psychologist/ Pyschotherapist/ Social Worker
  • Maximum per first visit
$80 $80 $80 $80
  • Maximum per subsequent visit
$65 $65 $65 $65
  • Maximum visits per year
10 10 10 10
Speech Therapist**
  • Maximum per first visit
$65 $65 $65 $65
  • Maximum per subsequent visit
$45 $45 $45 $45
  • Maximum visits per year
10 10 10 10
Lifeline Personal Response Service - Provides 24-hour monitoring service for people coping with medical problems at home.¥ 3 months per lifetime 3 months per lifetime 3 months per lifetime 3 months per lifetime
Homecare and Nursing, Prosthetic Appliances, and Durable Medical Equipment
Covers the services of registered health professionals including a registered nurse, registered practical nurse or personal support worker; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheelchairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies. Payment will be coordinated where benefits are available through the Assistive Devices Program.
For each of Homecare and Nursing, Prosthetic Appliances, and Durable Medical Equipment:
Year 1: $1,000
Year 2: $1,300
Year 3: $1,500
Year 4: $2,000
Year 5+: $2,500
For each of Homecare and Nursing, Prosthetic Appliances, and Durable
Medical Equipment:
Year 1: $1,000
Year 2: $1,300
Year 3: $1,500
Year 4: $2,000
Year 5+: $2,500
For each of Homecare and Nursing, Prosthetic Appliances, and Durable
Medical Equipment:
Year 1: $1,000
Year 2: $1,300
Year 3: $1,500
Year 4: $2,000
Year 5+: $2,500
For each of Homecare and Nursing, Prosthetic Appliances, and Durable
Medical Equipment:
Year 1: $1,000
Year 2: $1,300
Year 3: $1,500
Year 4: $2,000
Year 5+: $2,500
Orthotics Custom-made orthotics: $225 per year Custom-made orthotics: $225 per year Custom-made orthotics: $225 per year Custom-made orthotics: $225 per year
Hearing Aids $300 per 4-year period $300 per 4-year period $300 per 4-year period $300 per 4-year period
Ambulance Services** Unlimited ground and air transport Unlimited ground and air transport Unlimited ground and air transport Unlimited ground and air transport
Accidental Dental $2,000 per year $2,000 per year $2,000 per year $2,000 per year
Health Service Navigator -
Offers evaluation of medical records upon diagnosis of serious illness or injury; medical coordination; second opinions; and web/toll-free health care information.
All covered family members can quickly and easily get answers to questions and access to support services. All covered family members can quickly and easily get answers to questions and access to support services. All covered family members can quickly and easily get answers to questions and access to support services. All covered family members can quickly and easily get answers to questions and access to support services.
Lifetime Maximum $100,000 $100,000 $100,000 $100,000
Diagnostic Services
CAT Scans $200 per anniversary year $200 per anniversary year $200 per anniversary year $200 per anniversary year
CA 125 Test $75 per anniversary year $75 per anniversary year $75 per anniversary year $75 per anniversary year
PSA Test $75 per anniversary year $75 per anniversary year $75 per anniversary year $75 per anniversary year
Ultrasound Scans $50 per anniversary year $50 per anniversary year $50 per anniversary year $50 per anniversary year
Magnetic Resonance Imaging $500 per anniversary year $500 per anniversary year $500 per anniversary year $500 per anniversary year
Audiologist $500 per anniversary year $500 per anniversary year $500 per anniversary year $500 per anniversary year
Laboratory Tests $100 per category, per anniversary year $100 per category, per anniversary year $100 per category, per anniversary year $100 per category, per anniversary year
HEALTH & DENTAL PLAN OPTIONS DENTAL PLAN OPTIONS (with basic health)
Require medical questionnaire when applying? NO YES YES YES NO NO NO NO
DENTAL SERVICES Covers basic services, paid at a percentage of the current Dental Fee Guide or the reasonable and customary charge in your province of residence. Expandable section - click to expand
Basic:
Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostics and other basics.
70% 70% 80% 80% Year 1: 50%
Year 2 & beyond: 70%
Year 1: 50%
Year 2 & beyond: 70%
Year 1: 60%
Year 2 & beyond: 80%
Year 1: 60%
Year 2 & beyond: 80%
Supplementary: Reimbursement on endodontics, periodontics and denture services. 70% 70% 80% 80% Year 1: 50%
Year 2 & beyond: 70%
Year 1: 50%
Year 2 & beyond: 70%
Year 1: 60%
Year 2 & beyond: 80%
Year 1: 60%
Year 2 & beyond: 80%
Major Restorative:
Reimbursement on crowns, bridges, dentures and orthodontics.
Not covered Not covered Not covered Year 1 & 2: 0%
Year 3 & beyond: 60% ($800 maximum every 2 consecutive years)
Not covered Not covered Not covered Year 1 & 2: not covered
Year 3 & beyond: 60%
$800 maximum every 2 consecutive years
Combined anniversary year maximums $400 per year $500 per year Year 1: $600
Year 2 & beyond: $900
Year 1: $750
Year 2: $1,000
Year 3: $1,200
Year 4: $1,200
Year 5 & beyond: $1,500
$400 per year $500 per year Year 1: $500
Year 2 & beyond: $900
Year 1: $750
Year 2: $1,000
Year 3: $1,200
Year 4: $1,200
Year 5 & beyond: $1,500
Recall visits 9 months 9 months 9 months 6 months 9 months 9 months 9 months 6 months
PRESCRIPTION DRUGS Expandable section - click to expand
Generic* vs. brand-name coverage Generic Generic Generic Brand-name n/a n/a n/a n/a
Shared dispensing fee (none for Quebec) $6.50 maximum $6.50 maximum $7.50 maximum Covered n/a n/a n/a n/a
Birth control and fertility drugs Not covered Not covered Covered Covered n/a n/a n/a n/a
Reimbursement per anniversary year†† 70% of first $750 70% of first $500 70% of first $500 90% of first $2,222 n/a n/a n/a n/a
Reimbursement on next amount per anniversary year†† None 80% of next $2,500 100% of next $4,650 100% of next $8,000 n/a n/a n/a n/a
Maximum per anniversary year†† $525 $2,350 $5,000 $10,000 n/a n/a n/a n/a
HEALTH BENEFITS (Including Registered Therapists, Vision Care, Travel and more) Expandable section - click to expand
Vision Care -
See new discounts from Preferred Vision and Hearing Services (PVS) below.
$100 per 2 benefit years plus $50 for optometrist visits per 2 benefit years $100 per 2 benefit years plus $50 for optometrist visits per 2 benefit years $150 per 2 benefit years plus $50 for optometrist visits per 2 benefit years $250 per 2 benefit years plus $50 for optometrist visits per 2 benefit years $100 per 2 benefit years plus $50 for optometrist visits per 2 benefit years $100 per 2 benefit years plus $50 for optometrist visits per 2 benefit years $100 per 2 benefit years plus $50 for optometrist visits per 2 benefit years $100 per 2 benefit years plus $50 for optometrist visits per 2 benefit years
Hospital Benefits
  • Type of accommodation
n/a n/a Semi-private only Semi-private and private n/a n/a n/a n/a
  • Type of accommodation
n/a n/a Semi-private only Semi-private and private n/a n/a n/a n/a
  • Maximum charge per day
n/a n/a $150 $200 n/a n/a n/a n/a
  • Reimbursement per anniversary year
n/a n/a 100% of first 30 days; 50% of next 100 days 100% for complete year n/a n/a n/a n/a
  • Cash benefit in lieu of accommodation
    Note : not available in Quebec
n/a n/a $25 payable per day starting on the 4th day (maximum of $750) $50 payable per day starting on the 1st day (maximum of $3,000) n/a n/a n/a n/a
Accidental Death and Dismemberment $10,000 per adult under 65
$4,000 per child or per adult 65 and older
$12,500 per adult under 65
$5,000 per child or per adult 65 and older
$25,000 per adult under 65
$10,000 per child or per adult 65 and older
$50,000 per adult under 65
$20,000 per child or per adult 65 and older
$10,000 per adult under 65
$4,000 per child or per adult 65 and older
$10,000 per adult under 65
$4,000 per child or per adult 65 and older
$10,000 per adult under 65
$4,000 per child or per adult 65 and older
$10,000 per adult under 65
$4,000 per child or per adult 65 and older
Travel Coverage (to age 65) - Emergency hospital/medical expenses covered while outside your province or territory of residence. Up to a maximum of $5,000,000 per trip
24-hour worldwide medical assistance centre
Up to a maximum of $5,000,000 per trip
24-hour worldwide medical assistance centre
Up to a maximum of $5,000,000 per trip
24-hour worldwide medical assistance centre
Up to a maximum of $5,000,000 per trip
24-hour worldwide medical assistance centre
n/a n/a n/a n/a
  • Number of trips per year
Unlimited Unlimited Unlimited Unlimited
  • Maximum trip length
5 days 9 days 17 days 30 days
Survivor Benefit - Provides continuous coverage for 1 year, following the death of an insured adult. Available 1 year after policy effective date Covered Covered Covered Available 1 year after policy effective date Available 1 year after policy effective date Available 1 year after policy effective date Available 1 year after policy effective date
Registered Specialists & Therapists**
Includes visits to acupuncturists, chiropractors, osteopaths, podiatrists, naturopaths, chiropodists, registered massage therapists, physiotherapists, psychologists, psychotherapists, social workers and speech therapists.
  • Maximum claims paid
$300 per specialist/therapist 80% to a maximum of $450 per specialist/therapist 90% to a maximum of $600 per specialist/therapist $1,500 combined $300 per specialist/therapist $300 per specialist/therapist $300 per specialist/therapist $300 per specialist/therapist
  • Per visit maximum
$20 n/a n/a n/a $20 $20 $20 $20
  • Chiropractic X-rays
$35 per year $35 per year $35 per year $35 per year $35 per year $35 per year $35 per year $35 per year
Psychologist/ Pyschotherapist/ Social Worker
  • Maximum per first visit
$80 $80 $80 $80 $80 $80 $80 $80
  • Maximum per subsequent visit
$65 $65 $65 $65 $65 $65 $65 $65
  • Maximum visits per year
10 10 12 15 10 10 12 15
Speech Therapist**
  • Maximum per first visit
$65 $65 $65 $65 $65 $65 $65 $65
  • Maximum per subsequent visit
$45 $45 $45 $45 $45 $45 $45 $45
  • Maximum visits per year
10 10 12 15 10 10 10 10
Lifeline Personal Response Service - Provides 24-hour monitoring service for people coping with medical problems at home.¥ 3 months per lifetime 3 months per lifetime 6 months per lifetime 6 months per 3-year period 3 months per lifetime 3 months per lifetime 3 months per lifetime 3 months per lifetime
Homecare and Nursing, Prosthetic Appliances, and Durable Medical Equipment
Covers the services of registered health professionals including a registered nurse, registered practical nurse or personal support worker; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheelchairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies. Payment will be coordinated where benefits are available through the Assistive Devices Program.
For each of Homecare and Nursing, Prosthetic Appliances, and Durable Medical Equipment:
Year 1: $1,000
Year 2: $1,300
Year 3: $1,500
Year 4: $2,000
Year 5+: $2,500
Homecare and Nursing: $2,500 per year
Prosthetic Appliances: $2,500 per year
Durable Medical Equipment: $2,500 per year
Homecare and Nursing: $3,500 per year
Prosthetic Appliances: $3,500 per year
Durable Medical Equipment: $3,500 per year
Combined maximum for Homecare and Nursing, Prosthetic Appliances, and Durable Medical Equipment $8,500 per year For each of Homecare and Nursing, Prosthetic Appliances, and Durable Medical Equipment:
Year 1: $1,000
Year 2: $1,300
Year 3: $1,500
Year 4: $2,000
Year 5+: $2,500
For each of Homecare and Nursing, Prosthetic Appliances, and Durable
Medical Equipment:
Year 1: $1,000
Year 2: $1,300
Year 3: $1,500
Year 4: $2,000
Year 5+: $2,500
For each of Homecare and Nursing, Prosthetic Appliances, and Durable
Medical Equipment:
Year 1: $1,000
Year 2: $1,300
Year 3: $1,500
Year 4: $2,000
Year 5+: $2,500
For each of Homecare and Nursing, Prosthetic Appliances, and Durable
Medical Equipment:
Year 1: $1,000
Year 2: $1,300
Year 3: $1,500
Year 4: $2,000
Year 5+: $2,500
Orthotics Custom-made orthotics: $225 per year Custom-made orthotics: $225 per year Custom-made orthotics: $225 per year Custom-made orthotics: $225 per year Custom-made orthotics: $225 per year Custom-made orthotics: $225 per year Custom-made orthotics: $225 per year Custom-made orthotics: $225 per year
Hearing Aids $300 per 4-year period $300 per 4-year period $400 per 4-year period $500 per 4-year period $300 per 4-year period $300 per 4-year period $300 per 4-year period $300 per 4-year period
Ambulance Services** Unlimited ground and air transport Unlimited ground and air transport Unlimited ground and air transport Unlimited ground and air transport Unlimited ground and air transport Unlimited ground and air transport Unlimited ground and air transport Unlimited ground and air transport
Accidental Dental $2,000 per year $2,000 per year $2,500 per year $3,000 per year $2,000 per year $2,000 per year $2,000 per year $2,000 per year
Health Service Navigator -
Offers evaluation of medical records upon diagnosis of serious illness or injury; medical coordination; second opinions; and web/toll-free health care information.
All covered family members can quickly and easily get answers to questions and access to support services. All covered family members can quickly and easily get answers to questions and access to support services. All covered family members can quickly and easily get answers to questions and access to support services. All covered family members can quickly and easily get answers to questions and access to support services. All covered family members can quickly and easily get answers to questions and access to support services. All covered family members can quickly and easily get answers to questions and access to support services. All covered family members can quickly and easily get answers to questions and access to support services. All covered family members can quickly and easily get answers to questions and access to support services.
Lifetime Maximum $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000 $100,000
Diagnostic Services
CAT Scans $200 per anniversary year $200 per anniversary year $200 per anniversary year $200 per anniversary year $200 per anniversary year $200 per anniversary year $200 per anniversary year $200 per anniversary year
CA 125 Test $75 per anniversary year $75 per anniversary year $75 per anniversary year $75 per anniversary year $75 per anniversary year $75 per anniversary year $75 per anniversary year $75 per anniversary year
PSA Test $75 per anniversary year $75 per anniversary year $75 per anniversary year $75 per anniversary year $75 per anniversary year $75 per anniversary year $75 per anniversary year $75 per anniversary year
Ultrasound Scans $50 per anniversary year $50 per anniversary year $50 per anniversary year $50 per anniversary year $50 per anniversary year $50 per anniversary year $50 per anniversary year $50 per anniversary year
Magnetic Resonance Imaging $500 per anniversary year $500 per anniversary year $500 per anniversary year $500 per anniversary year $500 per anniversary year $500 per anniversary year $500 per anniversary year $500 per anniversary year
Audiologist $500 per anniversary year $500 per anniversary year $500 per anniversary year $500 per anniversary year $500 per anniversary year $500 per anniversary year $500 per anniversary year $500 per anniversary year
Laboratory Tests $100 per category, per anniversary year $100 per category, per anniversary year $100 per category, per anniversary year $100 per category, per anniversary year $100 per category, per anniversary year $100 per category, per anniversary year $100 per category, per anniversary year $100 per category, per anniversary year

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Please note: Prescription drug coverage applies to costs not covered by your provincial prescription drug insurance plan, up to the maximums stated above. In Quebec, the prescription coverage available under this plan is limited to costs not covered by the RAMQ Prescription Drug Insurance Plan. It is not intended to be a replacement for the RAMQ Plan. In order to be eligible for coverage under this plan, you must have a provincial health card and be registered under the RAMQ Prescription Drug Insurance Plan or have equivalent coverage under a group plan.

Preferred Vision and Hearing Services (PVS): Take advantage of discounts available through a specific network of providers and retailers. You can save up to 20% on eyewear purchases made at participating optical retailers, including lenses, frames and contact lenses, depending on where you shop. PVS discounts are also available for laser eye surgery. For hearing aids, PVS discounts offer the added advantage of a 10% deduction, depending on the province of residence and hearing practitioner participation in the PVS network. The complete listing of participating retailers and practitioners across Canada is easily accessible online at www.pvs.ca or over the phone.

Lifeline® is a trademark of Lifeline Systems Inc. Health Service Navigator is offered through The Manufacturers Life Insurance Company (Manulife).

§ By market capitalization: $40.9 billion CAD, as at December 31, 2015.

¥ Manulife cannot guarantee the availability of Health Service Navigator, Lifeline or Preferred Vision Services indefinitely.

‡ If applicable, dental coverage begins at the age when your provincial health insurance plan coverage ends.

† Prescription drug coverage applies to costs not covered by your provincial prescription drug insurance plan, up to the maximums stated above.

†† Prescription drug coverage is based on Calendar Year for residents of British Columbia, Saskatchewan, and Quebec. Calendar Year means each successive 12-month period commencing January 1 and ending December 31. For all other provinces, coverage is based on an Anniversary Year, which refers to each successive 12-month period following the effective date of your policy.

* Generic Drug - A generally less expensive alternative to an interchangeable brand-name drug product. Please note: Not all drugs have a generic equivalent. If a non-generic drug is purchased, payment will be based on the lowest generic drug cost equivalent, if applicable. If no generic brand exists, payment of the brand-name price will be made at the co-payment level of your plan.

** Benefits payable are up to reasonable and customary charges. Benefits are only payable after yearly maximums allowed under your provincial health insurance plan have been reached, if applicable.