Manulife Flexcare^® Health and Dental Insurance

Yes, you can cancel your individual health insurance at any time. There is a 24-month waiting period to get new coverage (at Manulife).

The choice of having private health insurance (also known as supplemental health insurance) is a personal one. Supplemental health insurance helps cover unforeseen expenses (e.g. supplemental (added) costs of surgeries, medical consultations, dental and vision appointments, prescription drugs etc.) which are not covered by a government health insurance plan. For example, a supplemental health insurance plan like Flexcare can cover eye exams and other vision costs that may have previously been paid out of pocket.

Individual health insurance coverage is insurance coverage that you purchase on your own to cover yourself or immediate family members. Individual health insurance is not provided through a group or employer. Additionally, it covers medical treatments and supplies not in your provincial plan.

Comprehensive plans cover a wide variety of expenses. While not all insurance plans are comprehensive, they are supplemental. Supplemental health insurance can cover prescription drugs, dental cleaning and orthodontics, hospital room coverage, vision care and paramedical services etc. Supplemental health insurance covers medical treatments and supplies not in your provincial plan.  

In order to purchase supplemental health insurance (covers costs above your provincial plan), you must be over age of 18, have an active government health insurance plan (GHIP), and be a resident of your home province/territory.

Part-time employees are eligible for insurance plans. It is up to the discretion of the employer if there are group plans (plans provided to a group of members most commonly by your employer) available. Part time employees can purchase supplemental health insurance (covers costs above your provincial plan) as a top up to their group plan. 

Yes, you can get treated without health insurance as most Canadians have coverage under their provincial plan. For non-Canadian residents who aren’t covered under provincial plans, medical expenses can be costly. It is recommended that non-Canadian residents look at health insurance options such as a Manulife CoverMe Visitor to Canada plan as provincial plans such as OHIP will only come into effect after 3 months.