Individual Health & Dental Coverage

We are an employee benefits advisory with over 70 years of combined industry knowledge and experience encompassing both the insurer and advisory side of the industry.

Increasing automation, an aging demographic, and the movement, growth, and reorganization of businesses of all sizes and across most industries and sectors in Western Canada has meant there are more individuals leaving traditional employment arrangements. Individuals may be between jobs, retiring, semi-reitring, re-skilling, or joining a new company wihtout a benefit plan, but still have the need for Health and Dental coverage. The solution to these challenges is individual Health and Dental coverage.


There are a number of insurers that provide competitive pricing and coverage options for individual Health and Dental plans. At this point in time, we would rank them as follows: Manulife, Sun Life, Alberta Blue Cross and Canada Life/ GWL. Although all insurers have variations of similar coverage, we've distilled them down to 4 options which we've found work best for our clients, and are most comparable to the majority of the employee benefit plans we've helped put in place.

Individual health and dental coverage can be categorized into two main options: Non-gauranteed issue and guaranteed-issue. Non-gauaranteed issue individual health and dental plans require a short-form medical questionaire to be submitted with their application; indiviudals with underlying health conditions may not qualify for them. We've selected two of Manulife's FlexCare® non-gauranteed issue individual health and dental plans below.

Guaranteed issue plans do not require medical underwriting. Although there are some other more basic gauranteed issue options, the two Manulife FollowMe™ guaranteed issue plans we've selected below are the plans we think are the most comparable to many of the group plans we help put in place.

Guaranteed issue plans can be applid for within 90 days of leaving any group plan -- even if the individual was on a group plan in another country -- as long as they are a Canadian citizen and are covered by provincial healthcare.

Non-guaranteed issue plans usually provide a bit better coverage at a better monthly premium cost as a result of their short-form medical questionaire so we usually recommend applying for a FlexCare® plan first. However, Manulife has done a great job keeping the pricing and coverage gap small with their FollowMe™ gaurateed issue individual health and dental plans which are an excellent option for individuals whom have recently left a group plan or are in between jobs that don't qualify for a FlexCare® plan or retirees leaving a group plan.

Another reason we like Manulife's individual health and dental plans is the Manulife Vitality option which can be added to any of the below selected plans.

The Manulife Vitality program is a great healthy-living rewards program that can be added to a plan at application time. It provides an immediate 5% discount to the monthly premium cost for the first year of the plan, and up to 10% in following years. Find out more about it at application time.

If you're consideing an individual health and dental plan, please fill out the form below and we'll provide you with a personalized quote within 48hrs.


Recomended individual health and dental plans that require underwriting

Drugs
  • 70% of 1st $750 + 90% of next $4,972 (up to $5,000 per year)
  • No dispensing fee maximum
What's included?
  • Generic prescription drugs
What's excluded?
  • Smoking cessation drugs
  • Birth control drugs
  • Fertility drugs
  • Erectile dysfunction drugs
  • Over-the-counter drugs
  • Non-prescription drugs
Vision
  • $250 every 2 years
  • Optometrist fees up to $70 every 2 years (agest 18-65)
What's included?
  • Prescription lenses
  • Frames
  • Contact lenses
  • Laser eye surgery
What's excluded?
  • Industrial safety glasses
Extended Health Care

$250,000 over lifetime for registered specialists and therapists, orthotics, hearing aids, homecare, medical equipment and more (after government health plan maximums reached)

What's included?

Per person every year unless otherwise noted

  • Acupuncturists - $25/visit x 20 visits
  • Chiropodists - $25/visit x 20 visits
  • Chriopractors - $25/visit x 20 visits plus $35 for chiropractic x-ray
  • Dieticians - $25/visit x 20 visits
  • Osteopaths - $25/visit x 20 visits
  • Podiatrists - $25/visit x 20 visits
  • Naturopaths - $25/visit x 20 visits
  • RMTs - $25/visit x 20 visits
  • Psychologist/Psychotherapist/Clinical counsellors (combined) - $80/first visit & $65/subsequent visit x 15 visits
  • Speech Pathologist/Therapist (combined) - $65/first visit & $45/subsequent visit x 10 visits

Add travel insurance

  • $5 million in emergency health coverage for 15-day or 30-day trips
  • $200 deductible
  • Includes medical concierge program by StandbyMD*
  • *Manulife cannot guarantee the availability of this benefit indefinitely

Survivor benefit
  • Continued coverage with no premiums for 1 year after death of insured adult

Homecare, Prosthetics, and Medical Equipment & Supplies

  • Orthotics (custom-made) - $225
  • Hearing aids (purchase or repair) - $400 every 4 years
  • Homecare and nursing - $4,000
  • Prosthetic appliances (e.g., artificial joints & limbs) - $4,000
  • Durable medical equipment (e.g., wheelchairs, ventilators, and lifts) - $4,000
  • Ambulance (air or ground) - unlimited
  • Accidental dental - $2,000 maximum per person, per anniversary year
  • Akira by TELUS Health (Virtual Healthcare app), TELUS LivingWell Companion, TELUS SmartHome Security - available*
  • *Manulife cannot guarantee the availability of this benefit indefinitely

Accidental death & dismemberment (AD&D) insurance

  • Up to $25,000 for adults under age 65
  • Up to $10,000 for children and adults age 65 and over
Dental
  • Basic services, paid at % of current Dental Association Fee Schedule
  • 80% of 1st $400 + 50% of next $860 (up to $750 per year)
  • 9 month recall check-ups
What's included?
  • Examinations
  • Cleaning
  • Scaling
  • Polishing
  • Fillings
  • Select extractions
What's excluded?
  • Orthodontics
  • Oral surgery
  • Periodontics
  • Endodontics (root canals)
  • Crowns
  • Bridges
  • Dentures
Drugs
  • 80% up to $1,300
  • $6.50 shared dispensing fee
What's included?
  • Generic prescription drugs
What's excluded?
  • Smoking cessation drugs
  • Birth control drugs
  • Fertility drugs
  • Erectile dysfunction drugs
  • Over-the-counter drugs
  • Non-prescription drugs
Vision
  • $200 every 2 years
  • Optometrist fees up to $60 every 2 years (agest 18-65)
What's included?
  • Prescription lenses
  • Frames
  • Contact lenses
  • Laser eye surgery
What's excluded?
  • Industrial safety glasses
Extended Health Care
No lifetime maximums; $600 combined per anniversary year for registered specialists & therapists including:
  • Acupuncturists
  • Chriopractors
  • Dieticians
  • Osteopaths
  • Podiatrists
  • Naturopaths
  • Chiropodists
  • RMTs
  • Physiotherapists
Claims are covered up to a reasonable and customary maximum

Mental health & therapy: $65 per visit; 10 visits/year
  • Psychologists
  • Psychotherapists
  • Clinical counsellors
  • Registered social workers
  • Speech therapists
Add travel insurance
  • $5 million in emergency health coverage for 15-day or 30-day trips
  • $200 deductible
  • Includes medical concierge program by StandbyMD*
  • *Manulife cannot guarantee the availability of this benefit indefinitely

Survivor benefit
  • Continued coverage with no premiums for 1 year after death of insured adult
Homecare, Prosthetics, and Medical Equipment & Supplies
  • CPAP machines and supplies - $250 every 5 years, combined
  • Hospital beds - $750 per benefit year
  • Oxygen and equipment, respirator/ventilator - $750 per benefit year, combined
  • Medical aids (crutches, canes, walkers) - $150 per benefit year, combined
  • Wheelchairs - $1,000 every 5 years; $5,000 lifetime maximum
  • Medical supplies (aerochamber, colostomy, urinary catheters and kits, bandages and traction kits) - $1,000 per benefit year
  • Prosthesis (ankles, arms, breast, braces, ears, eyes, feet, fingers, hands, legs, limb, lenses, toes) - $1,500 per benefit year
  • Medical aids (braces, casts, cervical collars, splints, truss, stump sox/stump health) - $500 per benefit year
  • Surgical stockings/surgical brassiere - $250 per benefit year
  • Wigs - $150 per benefit year
  • Personal support worker - $750 per benefit year
  • Registered nurse (R.N.), registered practical nurse (R.P.N.) - $2,000 per benefit year
  • Custom-made orthotics - $250 maximum per year
  • Accidental Dental - $2,500 maximum per year
  • Hearing aids - $400 every 5 years
  • Ambulance Services – Unlimited ground and air transport in licensed ambulance in your home province/territory of residence.
  • Akira by TELUS Health (Virtual Healthcare app), TELUS LivingWell Companion, TELUS SmartHome Security - available*
  • Manulife Health Spending Account** - $25 value
  • *Manulife cannot guarantee the availability of this benefit indefinitely

    **Manulife HSA deposit will be received at the end of your first policy year. Manulife cannot guarantee the availability of this benefit indefinitely

Fracture coverage
  • Fracture benefit - up to $350 per bone break accident
Accidental death & dismemberment (AD&D) insurance
  • Up to $25,000 for adults under age 65
  • Up to $10,000 for children and adults age 65 and over
Hospital
  • Preferred hospital accomodations in excess of standard ward room rate mad by a general (acute care) hospital
  • Semi-private hospital room
  • 100% for first 60 days (up to $175 every day) and 50% for next 90 days (up to $87.50 every day)
Dental
  • Basic services, paid at % of current Dental Association Fee Schedule
  • 80% up to $700 in Year 1, $850 in Year 2, and $1,000 in Year 3+
  • 9 month recall check-ups
What's included?
  • Examinations
  • Cleaning
  • Scaling
  • Polishing
  • Fillings
  • Root planing
  • Select extractions
  • Diagnostic services
  • Oral Surgery
  • Periodontics
  • Endodontics (root canal)
  • Denture services
What's excluded?
  • Orthodontics
  • Crowns
  • Bridges
  • Dentures
Ehnaced Vision
  • $500 every 3 years (including $100 towards laser eye surgery)
  • Optometrist fees up to $70 every 2 years
Enhanced AD&D
  • Up to $50,000 for adults under age 65
  • Up to $20,000 for children and adults age 65 and over
Enhanced Travel +8 Days
  • 8 more days of coverage to protect trips of up to 17 days
  • $5 million in coverage for every trip
Enhanced Travel +21 days
  • 21 more days of coverage to protect trips of up to 30 days
  • $5 million in coverage for every trip
Drugs
  • 90% of 1st $2,222 + 100% of next $8,000 (up to $8,000 per year)
  • No dispensing fee maximum
What's included?
  • Brand name or generic prescription drugs; including birth control drugs
What's excluded?
  • Smoking cessation drugs
  • Erectile dysfunction drugs
  • Over-the-counter drugs
  • Non-prescription drugs
Vision
  • $250 every 2 years
  • Optometrist fees up to $70 every 2 years (agest 18-65)
What's included?
  • Prescription lenses
  • Frames
  • Contact lenses
  • Laser eye surgery
What's excluded?
  • Industrial safety glasses
Extended Health Care

$250,000 over lifetime for registered specialists and therapists, orthotics, hearing aids, homecare, medical equipment and more (after government health plan maximums reached)

What's included?

Per person every year unless otherwise noted

  • Acupuncturists - $25/visit x 20 visits
  • Chiropodists - $25/visit x 20 visits
  • Chriopractors - $25/visit x 20 visits plus $35 for chiropractic x-ray
  • Dieticians - $25/visit x 20 visits
  • Naturopaths - $25/visit x 20 visits
  • Osteopaths - $25/visit x 20 visits
  • Physiotherapists - up to $250
  • Podiatrists - $25/visit x 20 visits
  • Psychologist/Psychotherapist/Clinical counsellors (combined) - $80/first visit & $65/subsequent visit x 15 visits
  • RMTs - $25/visit x 20 visits
  • Speech Pathologist/Therapist (combined) - $65/first visit & $45/subsequent visit x 10 visits

Travel insurance

  • $5 million in emergency health coverage for first 9 days of each trip
  • $100 deductible
  • *Travel insurance coverage ends at age 70, and may be limited or excluded for any illness or condition that first appears in the 9 months preceding each departure date.

Survivor benefit
  • Continued coverage with no premiums for 1 year after death of insured adult

Homecare, Prosthetics, and Medical Equipment & Supplies

  • Orthotics (custom-made) - $225
  • Hearing aids (purchase or repair) - $400 every 4 years
  • Homecare and nursing - $4,000
  • Prosthetic appliances (e.g., artificial joints & limbs) - $4,000
  • Durable medical equipment (e.g., wheelchairs, ventilators, and lifts) - $4,000
  • Ambulance (air or ground) - unlimited
  • Accidental dental - $2,000 maximum per person, per anniversary year
  • Akira by TELUS Health (Virtual Healthcare app), TELUS LivingWell Companion, TELUS SmartHome Security - available*
  • *Manulife cannot guarantee the availability of this benefit indefinitely

Accidental death & dismemberment (AD&D) insurance

  • Up to $25,000 for adults under age 65
  • Up to $10,000 for children and adults age 65 and over
Dental

Dental coverages are designed to match the current provincial Dental Association Fee Guide for General Practitioners, and will be adjusted to match any increases in the fee guide.

  • 100% of 1st $500 + 60% of next $700 (up to $920 every year)
  • 6 month recall check-ups
What's included?
  • Examinations
  • Cleaning
  • Scaling
  • Polishing
  • Fillings
  • Select extractions
What's excluded?
  • Oral surgery (60% in year 1 and 2, 80% in year 3+)
  • Periodontics (60% in year 1 and 2, and 80% in year 3+)
  • Endodontics (root canals) (60% in year 1 and 2, and 80% in year 3+)
  • Crowns (0% in year 1 and 60% in year 2+)
  • Bridges (0% in year 1 and 60% in year 2+)
  • Dentures (0% in year 1 and 60% in year 2+)

Dental coverage starts at the age provincial/territorial health insurance plan coverage ends.

Drugs
  • 100% of 1st $750 + 90% of next $10,278 (up to $10,000 per year)
  • No dispensing fee maximum
What's included?
  • Brand name or generic prescription drugs; including birth control drugs
What's excluded?
  • Smoking cessation drugs
  • Erectile dysfunction drugs
  • Over-the-counter drugs
  • Non-prescription drugs
Vision
  • $250 every 2 years
  • Optometrist fees up to $70 every 2 years (agest 18-65)
What's included?
  • Prescription lenses
  • Frames
  • Contact lenses
  • Laser eye surgery
What's excluded?
  • Industrial safety glasses
Extended Health Care

$260,000 over lifetime for registered specialists and therapists, orthotics, hearing aids, homecare, medical equipment and more (after government health plan maximums reached)

What's included?

Per person every year unless otherwise noted

  • Acupuncturists - $25/visit x 20 visits
  • Chiropodists - $25/visit x 20 visits
  • Chriopractors - $25/visit x 20 visits plus $35 for chiropractic x-ray
  • Dieticians - $25/visit x 20 visits
  • Naturopaths - $25/visit x 20 visits
  • Osteopaths - $25/visit x 20 visits
  • Physiotherapists - up to $250
  • Podiatrists - $25/visit x 20 visits
  • Psychologist/Psychotherapist/Clinical counsellors (combined) - $80/first visit & $65/subsequent visit x 15 visits
  • RMTs - $25/visit x 20 visits
  • Speech Pathologist/Therapist (combined) - $65/first visit & $45/subsequent visit x 10 visits

Travel insurance

  • $5 million in emergency health coverage for first 9 days of each trip
  • $100 deductible
  • *Travel insurance coverage ends at age 70, and may be limited or excluded for any illness or condition that first appears in the 9 months preceding each departure date.

Survivor benefit
  • Continued coverage with no premiums for 1 year after death of insured adult

Homecare, Prosthetics, and Medical Equipment & Supplies

  • Orthotics (custom-made) - $225
  • Hearing aids (purchase or repair) - $500 every 4 years
  • Homecare and nursing - $4,500
  • Prosthetic appliances (e.g., artificial joints & limbs) - $4,500
  • Durable medical equipment (e.g., wheelchairs, ventilators, and lifts) - $4,500
  • Ambulance (air or ground) - unlimited
  • Accidental dental - $2,000 maximum per person, per anniversary year
  • Akira by TELUS Health (Virtual Healthcare app), TELUS LivingWell Companion, TELUS SmartHome Security - available*
  • *Manulife cannot guarantee the availability of this benefit indefinitely

Accidental death & dismemberment (AD&D) insurance

  • Up to $25,000 for adults under age 65
  • Up to $10,000 for children and adults age 65 and over
Dental

Dental coverages are designed to match the current provincial Dental Association Fee Guide for General Practitioners, and will be adjusted to match any increases in the fee guide.

  • 100% of 1st $500 + 60% of next $700 (up to $920 every year)
  • 6 month recall check-ups
What's included?
  • Examinations
  • Cleaning
  • Scaling
  • Polishing
  • Fillings
  • Select extractions
What's excluded?
  • Oral surgery (60% in year 1 and 2, and 80% in year 3+)
  • Periodontics (60% in year 1 and 2, and 80% in year 3+)
  • Endodontics (root canals) (60% in year 1 and 2, and 80% in year 3+)
  • Crowns (0% in year 1 and 60% in year 2+)
  • Bridges (0% in year 1 and 60% in year 2+)
  • Dentures (0% in year 1 and 60% in year 2+)

Dental coverage starts at the age provincial/territorial health insurance plan coverage ends.

Ehnaced Vision
  • $500 every 3 years (including $100 towards laser eye surgery)
  • Optometrist fees up to $70 every 2 years
Enhanced AD&D
  • Up to $50,000 for adults under age 65
  • Up to $20,000 for children and adults age 65 and over
Enhanced Travel +8 Days
  • 8 more days of coverage to protect trips of up to 17 days
  • $5 million in coverage for every trip
Enhanced Travel +21 days
  • 21 more days of coverage to protect trips of up to 30 days
  • $5 million in coverage for every trip

Recommended individual health and dental plans that DO NOT require underwriting if applied for within 90 days of leaving a group plan

Drugs
  • 80% up to $1,300
  • $6.50 shared dispensing fee
What's included?
  • Generic prescription drugs
What's excluded?
  • Smoking cessation drugs
  • Birth control drugs
  • Fertility drugs
  • Erectile dysfunction drugs
  • Over-the-counter drugs
  • Non-prescription drugs
Vision
  • $200 every 2 years
  • Optometrist fees up to $60 every 2 years (agest 18-65)
What's included?
  • Prescription lenses
  • Frames
  • Contact lenses
  • Laser eye surgery
What's excluded?
  • Industrial safety glasses
Extended Health Care
No lifetime maximums; $600 combined per anniversary year for registered specialists & therapists including:
  • Acupuncturists
  • Chriopractors
  • Dieticians
  • Osteopaths
  • Podiatrists
  • Naturopaths
  • Chiropodists
  • RMTs
  • Physiotherapists
Claims are covered up to a reasonable and customary maximum

Mental health & therapy: $65 per visit; 10 visits/year
  • Psychologists
  • Psychotherapists
  • Clinical counsellors
  • Registered social workers
  • Speech therapists
Add travel insurance
  • $5 million in emergency health coverage for 15-day or 30-day trips
  • $200 deductible
  • Includes medical concierge program by StandbyMD*
  • *Manulife cannot guarantee the availability of this benefit indefinitely

Survivor benefit
  • Continued coverage with no premiums for 1 year after death of insured adult
Homecare, Prosthetics, and Medical Equipment & Supplies
  • CPAP machines and supplies - $250 every 5 years, combined
  • Hospital beds - $750 per benefit year
  • Oxygen and equipment, respirator/ventilator - $750 per benefit year, combined
  • Medical aids (crutches, canes, walkers) - $150 per benefit year, combined
  • Wheelchairs - $1,000 every 5 years; $5,000 lifetime maximum
  • Medical supplies (aerochamber, colostomy, urinary catheters and kits, bandages and traction kits) - $1,000 per benefit year
  • Prosthesis (ankles, arms, breast, braces, ears, eyes, feet, fingers, hands, legs, limb, lenses, toes) - $1,500 per benefit year
  • Medical aids (braces, casts, cervical collars, splints, truss, stump sox/stump health) - $500 per benefit year
  • Surgical stockings/surgical brassiere - $250 per benefit year
  • Wigs - $150 per benefit year
  • Personal support worker - $750 per benefit year
  • Registered nurse (R.N.), registered practical nurse (R.P.N.) - $2,000 per benefit year
  • Custom-made orthotics - $250 maximum per year
  • Accidental Dental - $2,500 maximum per year
  • Hearing aids - $400 every 5 years
  • Ambulance Services – Unlimited ground and air transport in licensed ambulance in your home province/territory of residence.
  • Akira by TELUS Health (Virtual Healthcare app), TELUS LivingWell Companion, TELUS SmartHome Security - available*
  • Manulife Health Spending Account** - $25 value
  • *Manulife cannot guarantee the availability of this benefit indefinitely

    **Manulife HSA deposit will be received at the end of your first policy year. Manulife cannot guarantee the availability of this benefit indefinitely

Fracture coverage
  • Fracture benefit - up to $350 per bone break accident
Accidental death & dismemberment (AD&D) insurance
  • Up to $25,000 for adults under age 65
  • Up to $10,000 for children and adults age 65 and over
Hospital
  • Preferred hospital accomodations in excess of standard ward room rate mad by a general (acute care) hospital
  • Semi-private hospital room
  • 100% for first 60 days (up to $175 every day) and 50% for next 90 days (up to $87.50 every day)
Dental
  • Basic services, paid at % of current Dental Association Fee Schedule
  • 80% up to $700 in Year 1, $850 in Year 2, and $1,000 in Year 3+
  • 9 month recall check-ups
What's included?
  • Examinations
  • Cleaning
  • Scaling
  • Polishing
  • Fillings
  • Root planing
  • Select extractions
  • Diagnostic services
  • Oral Surgery
  • Periodontics
  • Endodontics (root canal)
  • Denture services
What's excluded?
  • Orthodontics
  • Crowns
  • Bridges
  • Dentures
Drugs
  • 80% up to $2,600
  • $8.00 shared dispensing fee
What's included?
  • Generic prescription drugs
  • Oral contraceptives & birth control (oral pills & patches only)
What's excluded?
  • Smoking cessation drugs
  • Fertility drugs
  • Erectile dysfunction drugs
  • Over-the-counter drugs
  • Non-prescription drugs
Vision
  • $300 every 2 years
  • Optometrist fees up to $60 every 2 years (agest 18-65)
What's included?
  • Prescription lenses
  • Frames
  • Contact lenses
  • Laser eye surgery
What's excluded?
  • Industrial safety glasses
Extended Health Care
No lifetime maximums; $650 combined per anniversary year for registered specialists & therapists including:
  • Acupuncturists
  • Chriopractors
  • Dieticians
  • Osteopaths
  • Podiatrists
  • Naturopaths
  • Chiropodists
  • RMTs
  • Physiotherapists
Claims are covered up to a reasonable and customary maximum

Mental health & therapy: $65 per visit; 10 visits/year
  • Psychologists
  • Psychotherapists
  • Clinical counsellors
  • Registered social workers
  • Speech therapists
Add travel insurance
  • $5 million in emergency health coverage for 15-day or 30-day trips
  • $200 deductible
  • Includes medical concierge program by StandbyMD*
  • *Manulife cannot guarantee the availability of this benefit indefinitely

Survivor benefit
  • Continued coverage with no premiums for 1 year after death of insured adult
Homecare, Prosthetics, and Medical Equipment & Supplies
  • CPAP machines and supplies - $250 every 5 years, combined
  • Hospital beds - $1,500 per benefit year
  • Oxygen and equipment, respirator/ventilator - $1,000 per benefit year, combined
  • Medical aids (crutches, canes, walkers) - $250 per benefit year, combined
  • Wheelchairs - $1,250 every 5 years; $5,000 lifetime maximum
  • Medical supplies (aerochamber, colostomy, urinary catheters and kits, bandages and traction kits) - $1,250 per benefit year
  • Prosthesis (ankles, arms, breast, braces, ears, eyes, feet, fingers, hands, legs, limb, lenses, toes) - $2,500 per benefit year
  • Medical aids (braces, casts, cervical collars, splints, truss, stump sox/stump health) - $750 per benefit year
  • Surgical stockings/surgical brassiere - $250 per benefit year
  • Wigs - $250 per benefit year
  • Personal support worker - $1,000 per benefit year
  • Registered nurse (R.N.), registered practical nurse (R.P.N.) - $3,000 per benefit year
  • Custom-made orthotics - $250 maximum per year
  • Accidental Dental - $10,000 maximum per year
  • Hearing aids - $600 every 5 years
  • Ambulance Services – Unlimited ground and air transport in licensed ambulance in your home province/territory of residence.
  • Akira by TELUS Health (Virtual Healthcare app), TELUS LivingWell Companion, TELUS SmartHome Security - available*
  • Manulife Health Spending Account** - $25 value
  • *Manulife cannot guarantee the availability of this benefit indefinitely

    **Manulife HSA deposit will be received at the end of your first policy year. Manulife cannot guarantee the availability of this benefit indefinitely

Fracture coverage
  • Fracture benefit - up to $350 per bone break accident
Accidental death & dismemberment (AD&D) insurance
  • Up to $50,000 for adults under age 65
  • Up to $15,000 for children and adults age 65 and over
Hospital
  • Preferred hospital accomodations in excess of standard ward room rate mad by a general (acute care) hospital
  • Semi-private hospital room
  • 100% for first 100 days (up to $200 every day) and 60% for next 90 days (up to $120 every day)
  • $50 every day if semi-private or private room not available (up to $5,000)
Dental
  • Basic services, paid at % of current Dental Association Fee Schedule
  • 80% up to $800 in Year 1, $1,000 in Year 2, and $1,500 in Year 3+
  • 6 month recall check-ups
What's included?
  • Examinations
  • Cleaning
  • Scaling
  • Polishing
  • Fillings
  • Root planing
  • Select extractions
  • Diagnostic services
  • Oral Surgery
  • Periodontics
  • Endodontics (root canal)
  • Denture services
What's excluded?
  • Orthodontics
  • Crowns
  • Bridges
  • Dentures
Also included as specified:
  • Orthodontics (0% in year 1, and 60% in year 2+)
  • Crowns (0% in year 1, and 60% in year 2+)
  • Bridges (0% in year 1, and 60% in year 2+)
  • Dentures (0% in year 1, and 60% in year 2+)