Manulife Flexcare® Health and Dental Insurance
Keep your health and dental insurance costs in check by buying only what you want. With Manulife Flexcare® plans, you can get health and dental coverage, enhanced with optional add-ons, or targeted protection in a specific area.
If you don't have a health and dental plan or are looking for a new one, start with one of three core plans and then build in any extra protection you want with add-ons.
If you have a plan but it doesn't cover semi-private/private hospital rooms or catastrophic drug costs*, choose one or two standalone plans.
Core plans
ComboPlus™ Starter Plan
Essential coverage
- Drugs - 70% of first $750 (up to $525 every year)
- Dental - 70% of first $575 (up to $400 every year)
- Vision - $150 every 2 years
- Travel - $5 million in emergency health coverage for first 9 days of each trip
No medical questionnaire, at time of application
Live a healthier life with Manulife Vitality.
ComboPlus™ Basic Plan
Extended coverage
- Drugs - 70% of first $750 and 90% of next $4,972 (up to $5,000 every year)
- Dental - 80% of first $400 and 50% of next $860 (up to $750 every year)
- Vision - $250 every 2 years
- Travel - $5 million in emergency health coverage for first 9 days of each trip
Medical questionnaire required, at time of application
Live a healthier life with Manulife Vitality.
ComboPlus™ Enhanced Plan
Comprehensive coverage
- Drugs - 90% of first $2,222 and 100% of next $8,000 (up to $10,000 every year)
- Dental - 100% of first $500 and 60% of next $700 (up to $920 every year)
- Vision - $250 every 2 years
- Travel - $5 million in emergency health coverage for first 9 days of each trip
Medical questionnaire required, at time of application
Live a healthier life with Manulife Vitality.
DentalPlus™ Basic Plan
Essential coverage
- Dental - Year 1: 50% of first $1,150 (up to $575 every year)
Year 2+: 80% of first $400 and 50% of next $860 (up to $750 every year) - Vision - $250 every 2 years
- Travel - $5 million in emergency health coverage for first 9 days of each trip
No medical questionnaire, at time of application
Live a healthier life with Manulife Vitality.
DentalPlus™ Enhanced Plan
Comprehensive coverage
- Dental - Year 1: 70% of first $1,200 (up to $840 every year)
Year 2+: 100% of first $500 and 60% of next $700 (up to $920 every year) - Vision - $250 every 2 years
- Travel - $5 million in emergency health coverage for first 9 days of each trip
No medical questionnaire, at time of application
Live a healthier life with Manulife Vitality.
DrugPlus™ Basic Plan
Essential coverage
- Drugs - 70% of first $750 and 90% of next $4,972 (up to $5,000 every year)
- Vision - $250 every 2 years
- Travel - $5 million in emergency health coverage for first 9 days of each trip
Medical questionnaire required, at time of application
Live a healthier life with Manulife Vitality.
DrugPlus™ Enhanced Plan
Comprehensive coverage
- Drugs - 90% of first $2,222 and 100% of next $8,000 (up to $10,000 every year)
- Vision - $250 every 2 years
- Travel - $5 million in emergency health coverage for first 9 days of each trip
Medical questionnaire required, at time of application
Live a healthier life with Manulife Vitality.
See all Manulife Flexcare® plans at a glance. Compare all plans
Standalone plans
Catastrophic – after you pay $4,500
- Covers all drug costs after you pay $4,500 in a year
- This plan is not available to Quebec residents or to people age 65 and over
Catastrophic – after you pay $10,200
- Covers all drug costs after you pay $10,200 in a year
- This plan is not available to Quebec residents or to people age 65 and over
Hospital Basic Plan
- Covers a semi-private hospital room
Hospital Enhanced Plan
- Covers a semi-private or private hospital room
Manulife Vitality is available on all CoverMe Flexcare® and FollowMe™ health & dental plans.
Top 7 questions about Manulife Flexcare®
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.
Discover more
What’s covered and what’s not covered by provincial government’s health insurance plans
Prescription drugs, dental care and more are not covered under universal healthcare. Find out how private insurance can fill the gaps. Learn more
Health & Dental Insurance Explained
Health and dental plans that are easy to understand, buy and manage. Learn more
How to get health insurance when you have a pre-existing condition
It’s easy to get health insurance, even when you have an existing medical condition. Learn more
Flexcare® Plans Important Notice:
This is not a contract. Actual terms and conditions are detailed in the policy issued by Manulife upon final application approval and payment of any required premium. Conditions, limitations, and exclusions apply. See policy for details.
*Catastrophic coverage is not available in Quebec or to persons age 65 and over.
The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality is a trademark of Vitality Group International, Inc., and is used by The Manufacturers Life Insurance Company and its affiliates under license. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company, and are used by it, The Vitality Group and its affiliates under license. PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8.
Eligibility and availability of rewards are not guaranteed and may change over time. Insurance provided by The Manufacturers Life Insurance Company.