No medical questionnaire required

Prescription Drugs

Generic drug plan (name brands are allowed, but Manulife will pay the generic equivalent price).

Shared dispensing fee to a maximum of $6.50.

70% of the first $750 of eligible prescription costs (including the shared dispensing fee) to a maximum of $525 in coverage per person per anniversary year.

Vision – $150 every 2 years

Travel – $5 million in emergency health coverage for first 9 days of each trip

Exclusions: smoking cessation drugs, birth control drugs, fertility drugs, erectile dysfunction drugs, over-the-counter drugs and drugs not requiring a prescription.

Dental coverage with a 70% payment for fillings, cleanings, scalings, examinations, and polishing on the first $575 of these services – to a maximum of $400 in coverage per person per anniversary year.
Recall visits every 9 months, per person.
Coverages are designed to coincide with the current provincial Dental Association Fee Guide for General Practitioners.

The following Core benefits are also included with ComboPlus Starter:

$150 maximum per person per 2 consecutive benefit years to cover the costs towards prescription lenses, frames, contact lenses and laser eye surgery.
$60 maximum for Optometrist fees per person per 2 consecutive benefit years (payable only after Government Health Insurance Plan maximum has been reached, if applicable).
Preferred Vision Services (PVS) – Take advantage of discounts available through a network of providers and retailers. Your client can save up to 20% on eyewear purchases, which include lenses, frames and contact lenses, made at participating optical retailers. PVS discounts are also available for laser eye surgery. Get the complete listing of participating retailers and practitioners across Canada online or over the phone.

Lifetime maximum – $250,000 per person
Health Service Navigator® – With Health Service Navigator, your client can quickly and easily get answers to questions and access to support services. Easily accessible on the web or with a simple call to a dedicated toll-free line, Health Service Navigator can provide information, medical coordination services and resources on how to navigate the Canadian health care system. Health Service Navigator will also help get a second opinion from a world-class hospital.
Chiropractor, Chiropodist, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist – $20 maximum per visit, 20 visit maximum per person per discipline per anniversary year.
Chiropractic X-ray – $35 maximum per person per anniversary year.
Psychologist – $80 maximum first visit, $65 maximum subsequent visits, 10 visit maximum per person per anniversary year
Physiotherapist – $250 maximum per person per anniversary year
Homecare and Nursing, Prosthetic Appliances, Durable Medical Equipment – maximum per person per anniversary year for each of these 3 categories of benefits separately, is according to the following table:

Year 1       Year 2     Year 3       Year 4      Year 5+
$1,000     $1,300     $1,500       $1,700      $3,000

Custom-made Orthotics – $225 maximum per person per anniversary year.
Speech Pathologist/Therapist – $65 maximum first visit, $45 maximum subsequent visits, 10 visit maximum per person per anniversary year.
Lifeline® Personal Response Service – maximum of 6 months of service per person per 3 anniversary years.
Accidental Dental – $2,000 maximum per person per anniversary year.
Ambulance – unlimited ground and air transportation.
Hearing Aid – $400 maximum per person per 4 consecutive benefit years. Preferred Vision Services (PVS) discounts offer the added advantage of a 10% deduction, depending on the province of residence and whether the hearing practitioner is part of the PVS network.
Extended Health Care benefits are payable only after Government Health Insurance Plan maximums have been reached, as applicable.

$5,000,000 emergency health coverage per person for trips lasting a maximum of 9 days. (A $100 deductible applies per claim.)

Additional coverage for either 8 or 21 days can be purchased as an Add-On.

Note: Coverage may be limited or excluded for any illness or condition that first manifested itself within the 9-month period immediately before each departure date. Not available to persons age 65 and over.

Up to $25,000 upon the Accidental Death or Dismemberment of an adult under 65; up to $10,000 upon the Accidental Death or Dismemberment of an adult 65 and over, or a child.

Additional coverage can be purchased as an Add-On.

Provides for coverage to be continued for 1 year, following the death of an adult policyholder.
Available 1 year after policy effective date.