Health insurance plans that help protect your health and your budget

Health insurance in Canada covers vision, dental, and medical expenses you may incur. Canadian residents have access to policies for basic medical services through their Provincial Health Plan. Supplemental plans cover expenses that your provincial plan may not. For example, Ontario Health Insurance Plan (OHIP) does not cover eyeglasses but Flexcare, one of Manulife’s supplemental health and dental insurance plans, does (subject to maximums).

The price of coverage (which includes premiums, copay and deductible) will vary depending on the plan and amount of coverage you pick. You can explore the available plans and get a quote to learn more.

• Start by assessing the coverage you have through your government health care plan and any work benefits you have.
• Then, consider where you may be lacking coverage.
• Explore the available plans and compare them to your needs.
• When you find a plan that suits you, get a quote, and then complete the online application process.

Copay (short for copayment) is generally standard to most health insurance plans. A copay is a flat fee paid by the insured on some health care services such as doctors’ visits. For example, the insured pays a flat $10 on prescriptions and insurance covers the remaining balance up to plan and annual maximums (maximum amount to be paid out by insurance provider in a year).  Manulife Individual Health and Dental plans do not apply a copay, but do apply a co-insurance. Co-insurance is also an amount paid by the insured on health and dental claims expressed as a percentage not a flat fee. 

You can have group benefits (provided to a group of members, most commonly by your employer) and an individual health insurance plan. However, you cannot have multiple Manulife individual health insurance plans.

Yes, insurance plans have plan maximums (maximum amount to be paid out by insurance provider for a specific plan). Maximums vary depending on plan and specific services or items being covered. These maximums  can be annual maximums (maximum amount to be paid out by insurance provider in a year) and/or lifetime maximums (maximum amount to be paid out by insurance provider during the lifetime of your policy and/or benefit). Once your health insurance plan is maxed out the insurer will not reimburse future claims.

You must meet the following requirements:

• be a resident of Canada
• be covered under your government health insurance plan
• be at least 18 years of age on the date of application for the policy, except for children of an insured person
• Quebec residents must also be registered under the RAMQ Prescription Drug Insurance Plan or have equivalent coverage under a group plan

Note: If the insurance is medically necessary or requires a medical questionnaire, you must disclose any medical condition, injury or illness that occurred or existed on or before the date of your application, regardless of whether you went to see a doctor about the condition or were given a diagnosis, or whether or not you believe that it is important. 

An annual premium is the amount you pay for your health insurance. Cost of insurance varies based on factors such as age, type of coverage etc. The first premium payment is due before the effective date of the policy.

Yes, 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 Visitors to Canada plan, as provincial plans such as OHIP will only come into effect after 3 months.