Manulife - 个人牙医健康保险计划
Manulife 宏利健康及牙医保险
Manulife 宏利是加拿大最大的提供个人健康和牙科保险的保险公司，具有极具竞争力的价格和3种不同的医疗保险计划供您选择：
FollowMe 医疗保险计划:
这是加拿大最畅销的计划之一，主要为刚离开公司的人设置，如果您离职，同时也要离开公司的健康保险计划，但这并不意味着您和您的家人仍然无法获得负担得起的，可靠的保险，承保范围可能包括处方药，牙科护理，眼镜等。
有四种不同的计划可供选择：两种覆盖牙医保险（Essential Plus和Premier），以及两种不覆盖牙医保险（Basic和Essential）。
FlexCare 医疗保险计划:
共有九种不同的计划供您选择：三个核心计划（牙科，处方药或组合计划），每个计划都具有三种不同的受益水平（入门级，基本或增强型）。
这些计划确实需要回答医疗问卷和比较复杂的申请过程，申请时间会相对长一些而且有时也可能最终得不到批准。但是这些计划的价格可能比FollowMe便宜（不过要等到等候时间结束后才能生效）
Association 医疗保险计划:
通常针对小团体，但个人也可以申请。Association 有四种计划可供选择，每种计划都有不同的覆盖范围。这些计划在医学上也是承保的，并且需要有一定的等候期才能开始全面承保。不能在线申请。
哪些人通常购买个人健康保险计划？
以下类型的人应该考虑购买个人补充医疗保险：
- 由于退休，失业，工作或婚姻状况的变化而失去团体利益的任何人；
- 自雇人士；
- 希望医疗费用得到最好保障的退休人员；
- 不在雇主团体计划涵盖范围内的兼职雇员；
- 不提供团体福利的小型企业的雇员。
众所周知，加拿大的卫生保健费用正在不断上升，许多费用（例如处方药）都不在省计划之列。拥有自己的私人健康保险有助于控制意想不到的自付费用，以及牙科护理和处方药等预期的自付费用。但是，请勿仅根据预期的成本控制来选择计划 - 不要忽略以下事实：如果您最终患上重病或慢性病，其中一些计划还可帮助患者提供有关加拿大医疗体系的宝贵资源。
在选择为意想不到的健康变化方面进行承保是评估选择哪种计划时的重要考虑因素。如果您没有一个独立的重大疾病计划，那么拥有一份私人健康计划可以在意外的重大疾病或慢性病发生时帮助您获得更高质量的医疗建议，可能是一项救命的计划，值得您多付一点钱。私人健康保险具有与加拿大医疗系统相同的帮助。
Manulife宏利保险
Flexcare健康和牙医保险计划
让您自行制定保险保障，轻松选择符合您需求和预算的医疗及牙科保健计划。
选择核心保险计划
- 综合保 (ComboPlus™)：药物及牙科护理计划
- 牙科保 (DentalPlus™)：牙科护理计划
- 药物保 (DrugPlus™)：药物计划
选择保障水平
- 精简 (Starter)：较少保障，保费较低（适合作为附加保障)
- 标准 (Basic)：保障全面，保费合理
- 特级 (Enhanced)：最大保障
考虑添加宏利 Vitality 乐活计划
- 帮助提高您的健康并获得奖励
- 您越积极参与并做出更多利于健康的选择，您就能享受更多保费优惠
- 选择添加宏利 Vitality 乐活计划可以让您自动获得 5%的第一年保费折扣以及之后最高10%的折扣
选择附加保障
- 意外死亡及伤残（特级）
- 重大伤病保障
- 住院（标准或特级）
- 旅游（保障较长旅程）
- 视力保健（特级）
下面我们用最多人申请的综合保 (ComboPlus™)，来看看具体都保障什么内容。
处方药每人每年可报销$5,000（前面$750报销70%，后面$4972报销90%）
牙医每人每年可报销$750（前面$400报销80%，后面$860报销50%）
眼科每人每两年$250可用于眼镜、眼镜框、激光手术，另外有$70可用于验光费用
旅游险：每次旅游的前9天，保500万紧急和意外，$100垫底费
意外身故险，18-65岁$25,000
自雇人士或者小生意主可以用保费抵税
24/7远程就医，轻松获得医疗结果、处方、药物补充和推荐
终生最高保额–每人$250,000
脊医，手足病医生，整骨医生，自然疗法医生，足病医生，注册按摩治疗师，针灸师，营养师-每次最多$ 25，每周年每人每科最多20次。
整脊X光–每年每人最高$ 35
心理学家，心理治疗师或临床顾问-首次就诊最高限额为$80，以后每次诊治最高限额为$65，每年每人最多15次就诊
物理治疗师–每人每年最高$ 250
家庭护理和护理，假肢器具，耐用医疗设备–每年每人最高$ 4,000，分别针对这三种类别的收益
定制矫形器–每人每年最高$ 225
语言病理学家/治疗师–首次访视最高限额$65，后续诊治最高限额$45，每年每人最高限额10次。
牙齿意外–每人每年最高$ 2,000
救护车-无限的地面和空中运输
助听器–每4个连续受益年度每人最高$400。
45岁以下成人男价格：$99.50（AB省）$94.10（BC省）$107.90（安省）$88.80（曼省）$86.00（NS省）$81.20（魁北克省）
*有些省份男女价格有差别，夫妻一起买每人的价格会有优惠，孩子的价格是成人的一半左右。关于详细的价格情况，请咨询持牌金融顾问。
加入Manulife Vitality计划，每月$6，但首年立刻获得5%的保费折扣，次年可以获得高达10%的折扣。本项目可以获得免费的Garmin运动手表，并可额外升级再获得一个苹果手表，通过日常运动的积分，获得更多的礼品卡和优惠折扣等，还有一年一次的免费上面体检。
个人牙医健康保险计划
Flexcare ComboPlus 保险内容
Quote and Details (Ontario)
Flexcare ComboPlus™ Starter Plan
Adult
<45 $94.10/month
45-54 $115.00/month
55-59 $122.40/month
60-64 $128.90/month
65-69 $110.70/month
70-79 $118.50/month
80-89 $123.20/month
90+ $163.80/month
Child
0-4 $41.30/month
5-20 $48.70/month
ComboPlus™ Starter Plan Details
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
See exactly what’s included
Drugs
70% of first $750 (up to $525 every year)
Dispensing fee (up to $6.50 every time)
What’s included?
Generic prescription drugs
What’s excluded?
Smoking cessation drugs
Birth control drugs
Fertility drugs
Erectile dysfunction drugs
Over-the-counter drugs
Drugs that don’t require a prescription
Dental
Dental coverages are designed to coincide with the current provincial Dental Association Fee Guide for General Practitoners, and will be adjusted to match any increases in the fee guide.
70% of first $575 (up to $400 every year)
Check-ups every 9 months
What’s included?
Examinations
Cleaning
Scaling
Polishing
Fillings
Select extractions
What’s excluded?
Oral surgery
Periodontics
Endodontics (root canal)
Orthodontics
Crowns
Bridges
Dentures
Dental coverage starts at the age provincial/territorial health insurance plan coverage ends.
Vision
$150 every 2 years
Optometrist fees up to $70 every 2 years
What’s included?
Prescription lenses
Frames
Contact lenses
Laser eye surgery
What’s excluded?
Industrial safety glasses
Manulife Vitality
Get Manulife Vitality with any Flexcare or FollowMe Health & Dental plan for just $5/month.
Travel
$5 million in emergency health coverage for first 9 days of each trip
$100 deductible per claim
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.
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:
Registered specialists and therapists
Acupuncturist – $25/visit x 20 visits
Chiropodist – $25/visit x 20 visits
Chiropractor – $25/visit x 20 visits plus $35 for chiropractic x-ray
Dietitian – $25/visit x 20 visits
Naturopath – $25/visit x 20 visits
Osteopath – $25/visit x 20 visits
Physiotherapist – up to $250
Podiatrist – $25/visit x 20 visits
Psychologist/Psychotherapist/Clinical counsellor (combined) – $80/first visit or $65/subsequent visit x 10 visits
Registered Massage Therapist – $25/visit x 20 visits
Speech Pathologist/Therapist (combined) – $65/first visit or $45/subsequent visit x 10 visits
More extended health care
Orthotics (custom-made) – $225
Hearing aids (purchase or repair) – $400 every 4 years
Homecare and nursing – $1,000 in year 1; $1,300 in year 2; $1,500 in year 3; $1,700 in year 4; $3,000 in year 5+
Prosthetic appliances (e.g., artificial joints and limbs) – $1,000 in year 1; $1,300 in year 2; $1,500 in year 3; $1,700 in year 4; $3,000 in year 5+
Durable medical equipment (e.g., wheelchairs, ventilators and lifts) – $1,000 in year 1; $1,300 in year 2; $1,500 in year 3; $1,700 in year 4; $3,000 in year 5+
Ambulance (air or ground) – unlimited
TELUS Living Well Companion, TELUS SmartHome Security
TELUS Health Virtual Care – Unlimited, 24/7 access to health care professionals from anywhere, in French and English.
Accidental dental – $2,000 maximum per person, per anniversary year
Travel insurance*
$5 million in emergency health coverage for first 9 days of each trip
$100 deductible per claim
* 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.
Accidental death and 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
Survivor benefit
Continued coverage with no premiums for 1 year after death of an insured adult
Available 1 year after policy effective date
<45 $107.90/month 45-54 $133.50/month 55-59 $140.90/month 60-64 $149.60/month 65-69 $118.90/month 70-79 $126.00/month 80-89 $123.40/month 90+ $159.10/month
0-4 $43.00/month 5-20 $55.20/month
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
70% of first $750 and 90% of next $4,972 (up to $5,000 every year) Dispensing fee (no maximum)
Generic prescription drugs
Smoking cessation drugs Birth control drugs Fertility drugs Erectile dysfunction drugs Over-the-counter drugs Drugs that don’t require a prescription
80% of first $400 and 50% of next $860 (up to $750 every year) Check-ups every 9 months
Examinations Cleaning Scaling Polishing Fillings Select extractions
Oral surgery Periodontics Endodontics (root canal) Orthodontics Crowns Bridges Dentures
$250 every 2 years Optometrist fees up to $70 every 2 years
Prescription lenses Frames Contact lenses Laser eye surgery
Industrial safety glasses
$5 million in emergency health coverage for first 9 days of each trip $100 deductible per claim 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.
Acupuncturist – $25/visit x 20 visits Chiropodist – $25/visit x 20 visits Chiropractor – $25/visit x 20 visits plus $35 for chiropractic x-ray Dietitian – $25/visit x 20 visits Naturopath – $25/visit x 20 visits Osteopath – $25/visit x 20 visits Physiotherapist – up to $250 Podiatrist – $25/visit x 20 visits Psychologist/Psychotherapist/Clinical Counsellor (combined) – $80/first visit or $65/subsequent visit x 15 visits Registered Massage Therapist – $25/visit x 20 visits Speech Pathologist/Therapist (combined) – $65/first visit or $45/subsequent visit x 10 visits
Orthotics (custom-made) – $225 Hearing aids (purchase or repair) – $400 every 4 years Homecare and nursing – $4,000 Prosthetic appliances (e.g., artificial joints and limbs) – $4,000 Durable medical equipment (e.g., wheelchairs, ventilators and lifts) – $4,000 Ambulance (air or ground) – unlimited TELUS Living Well Companion, TELUS SmartHome Security TELUS Health Virtual Care – Unlimited, 24/7 access to health care professionals from anywhere, in French and English. Accidental dental – $2,000 maximum per person, per anniversary year
$5 million in emergency health coverage for first 9 days of each trip $100 deductible per claim
Up to $25,000 for adults under age 65 Up to $10,000 for children and adults age 65 and over
Continued coverage with no premiums for 1 year after death of an insured adult
<45 $166.30/month 45-54 $207.00/month 55-59 $222.10/month 60-64 $231.90/month 65-69 $186.20/month 70-79 $186.90/month 80-89 $187.60/month 90+ $188.70/month
0-4 $53.70/month 5-20 $98.50/month
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
90% of first $2,222 and 100% of next $8,000 (up to $10,000 every year) Dispensing fee (no maximum)
Brand-name or generic prescription drugs, including birth control drugs
Smoking cessation drugs Erectile dysfunction drugs Over-the-counter drugs Drugs that don’t require a prescription
100% of first $500 and 60% of next $700 (up to $920 every year) Check-ups every 6 months
Examinations Cleaning Scaling Polishing Fillings Select extractions
Oral surgery (60% in year 1 and year 2, and 80% in year 3+) Periodontics (60% in year 1 and year 2, and 80% in year 3+) Endodontics (root canal) (60% in year 1 and year 2, and 80% in year 3+) 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+)
$250 every 2 years Optometrist fees up to $70 every 2 years
Prescription lenses Frames Contact lenses Laser eye surgery
Industrial safety glasses
$5 million in emergency health coverage for first 9 days of each trip $100 deductible per claim 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.
Acupuncturist – $25/visit x 20 visits Chiropodist – $25/visit x 20 visits Chiropractor – $25/visit x 20 visits plus $35 for chiropractic x-ray Dietitian – $25/visit x 20 visits Naturopath – $25/visit x 20 visits Osteopath – $25/visit x 20 visits Physiotherapist – up to $250 Podiatrist – $25/visit x 20 visits Psychologist/Psychotherapist/Clinical Counsellor (combined) – $80/first visit or $65/subsequent visit x 15 visits Registered Massage Therapist – $25/visit x 20 visits Speech Pathologist/Therapist (combined) – $65/first visit or $45/subsequent visit x 10 visits
Orthotics (custom-made) – $225 Hearing aids (purchase or repair) – $400 every 4 years Homecare and nursing – $4,000 Prosthetic appliances (e.g., artificial joints and limbs) – $4,000 Durable medical equipment (e.g., wheelchairs, ventilators and lifts) – $4,000 Ambulance (air or ground) – unlimited TELUS Living Well Companion, TELUS SmartHome Security TELUS Health Virtual Care – Unlimited, 24/7 access to health care professionals from anywhere, in French and English. Accidental dental – $2,000 maximum per person, per anniversary year
$5 million in emergency health coverage for first 9 days of each trip $100 deductible per claim
Up to $25,000 for adults under age 65 Up to $10,000 for children and adults age 65 and over
Continued coverage with no premiums for 1 year after death of an insured adult
Manulife Association 个人牙医健康保险计划内容
Association 个人牙医健康保险计划内容
Association Health and Dental Plans
Monthly Rates for Ontario
Drugs – 70% of first $750, 0% of next amount per year, up to a maximum of $525 a year Dental – 70% up to a $400 maximum every year Vision – $100 every 2 years Specialists and therapists – $20 per visit, up to a $500 combined maximum Travel (to age 65) – 5 days Hospital – N/A
70% of $750 to a maximum of $525 a year†† Dispensing fee (up to $6.50 every time)
Generic prescription drugs
Smoking cessation drugs Fertility drugs Erectile dysfunction drugs Over-the-counter drugs Drugs that don’t require a prescription
70% up to a maximum of $400 every year Check-ups every 9 months
Examinations Cleaning Scaling Polishing Fillings Select extractions Oral surgery Periodontics Endodontics (root canal) Denture services
Orthodontics Crowns Bridges Dentures
$100 per 2 years Optometrist fees up to $60 every 2 years
Prescription lenses Frames Contact lenses Laser eye surgery
Industrial safety glasses
Not available
$25 per visit up to a $500 combined maximum
Per person every year unless otherwise noted
Acupuncturist – $25/visit x 20 visits Chiropodist – $25/visit x 20 visits Chiropractor – $25/visit x 20 visits plus $35 for chiropractic x-ray Dietitian – $25/visit x 20 visits Naturopath – $25/visit x 20 visits Osteopath – $25/visit x 20 visits Physiotherapist – $25/visit x 20 visits Podiatrist – $25/visit x 20 visits Psychologist/Psychotherapist (combined) – $80/first visit or $65/subsequent visit x 10 visits Registered Massage Therapist – $25/visit x 20 visits Registered Speech Therapist – $65/first visit or $45/subsequent visit x 10 visits
Orthotics (custom-made) – $225 Hearing aids (purchase or repair) – $300 every 4 years Homecare and nursing – $1,000 in year 1; $1,300 in year 2; $1,500 in year 3; $2,000 in year 4; $2,500 in year 5 and beyond Prosthetic appliances (e.g., artificial joints and limbs) – $1,000 in year 1; $1,300 in year 2; $1,500 in year 3; $2,000 in year 4; $2,500 in year 5 and beyond Durable medical equipment (e.g., wheelchairs, ventilators and lifts) – $1,000 in year 1; $1,300 in year 2; $1,500 in year 3; $2,000 in year 4; $2,500 in year 5 and beyond Ambulance (air or ground) – unlimited Accidental dental – $2,000 maximum per person, per anniversary year
$10,000 per adult under 65 $4,000 per child or per adult 65 and older
Continued coverage with no premiums for 1 year after death of an insured adult Available 1 year after policy effective date
$5 million in emergency health coverage for first 5 days of each trip
24/7 access to healthcare practitioners online, through the app Available once you have registered to submit your claims online through Manulife’s SecureServe Online Claims portal
Gets you live access to a trained operator for emergency assistance 24/7 and includes an optional fall detector.
Offering you home security and home monitoring right from your smartphone.
Drugs – 70% of first $500, 80% of next $2,500, up to a maximum of $2,350 a year Dental – 70% up to a $500 maximum every year Vision – $100 every 2 years Specialists and therapists – Combined maximum of $750 Travel (to age 65) – 9 days Hospital – N/A
70% of first $500 and 80% of next $2,500 (up to a maximum of $2,350 a year)†† Dispensing fee (up to $6.50 every time)
Generic prescription drugs
Smoking cessation drugs Fertility drugs Erectile dysfunction drugs Over-the-counter drugs Drugs that don’t require a prescription
70% up to a maximum of $500 every year Check-ups every 9 months
Examinations Cleaning Scaling Polishing Fillings Select extractions Oral surgery Periodontics Endodontics (root canal) Denture services
Orthodontics Crowns Bridges Dentures
$100 per 2 years Optometrist fees up to $60 every 2 years
Prescription lenses Frames Contact lenses Laser eye surgery
Industrial safety glasses
Not available
$250,000 over lifetime for registered specialists and therapists, orthotics, hearing aids, homecare, medical equipment and more (after government health plan maximums reached)
Per person every year unless otherwise noted
Acupuncturist Chiropodist Chiropractor (plus $35 for chiropractic x-ray) Dietitian Naturopath Osteopath Physiotherapist Podiatrist Registered Massage Therapist
Psychologist/Psychotherapist – $80/first visit or $65/subsequent visit x 10 visits Registered Speech Therapist – $65/first visit or $45/subsequent visit x 10 visits
Orthotics (custom-made) – $225 Hearing aids (purchase or repair) – $300 every 4 years Homecare and nursing – $2,500 Prosthetic appliances (e.g., artificial joints and limbs) – $2,500 Durable medical equipment (e.g., wheelchairs, ventilators and lifts) – $2,500 Ambulance (air or ground) – unlimited Accidental dental – $2,000 maximum per person, per anniversary year
$12,500 per adult under 65 $5,000 per child or per adult 65 and older
Continued coverage with no premiums for 1 year after death of an insured adult
$5 million in emergency health coverage for first 9 days of each trip
24/7 access to healthcare practitioners online, through the app Available once you have registered to submit your claims online through Manulife’s SecureServe Online Claims portal
Gets you live access to a trained operator for emergency assistance 24/7 and includes an optional fall detector.
Offering you home security and home monitoring right from your smartphone.
Drugs – 70% of first $500, 100% of next $4,650, up to a maximum of $5,000 a year Dental – 80% up to $600 in year 1, and up to $900 in year 2 and beyond Vision – $150 every 2 years Specialists and therapists – Combined maximum of $1,000 Travel (to age 65) – 17 days Hospital – Semi-private hospital room
70% of first $500 and 100% of next $4,650 (up to a maximum of $5,000 a year)†† Dispensing fee (up to $7.50 every time)
Generic prescription drugs
Smoking cessation drugs Fertility drugs Erectile dysfunction drugs Over-the-counter drugs Drugs that don’t require a prescription
80% up to $600 in year 1, and up to $900 in year 2 and beyond Check-ups every 9 months
Examinations Cleaning Scaling Polishing Fillings Select extractions Oral surgery Periodontics Endodontics (root canal) Denture services
Orthodontics Crowns Bridges Dentures
$150 per 2 years Optometrist fees up to $60 every 2 years
Prescription lenses Frames Contact lenses Laser eye surgery
Industrial safety glasses
Semi-private hospital room 100% for first 30 days (up to $150 every day) and 50% for next 100 days (up to $87.50 every day) $25 every day starting on day 4 if semi-private or private room not available (up to $750)
$350,000 over lifetime for registered specialists and therapists, orthotics, hearing aids, homecare, medical equipment and more (after government health plan maximums reached)
Per person every year unless otherwise noted
Acupuncturist Chiropodist Chiropractor (plus $35 for chiropractic x-ray) Dietitian Naturopath Osteopath Physiotherapist Podiatrist Registered Massage Therapist
Psychologist/Psychotherapist – $80/first visit or $65/subsequent visit x 12 visits Registered Speech Therapist – $65/first visit or $45/subsequent visit x 12 visits
Orthotics (custom-made) – $225 Hearing aids (purchase or repair) – $400 every 4 years Homecare and nursing – $3,500 Prosthetic appliances (e.g., artificial joints and limbs) – $3,500 Durable medical equipment (e.g., wheelchairs, ventilators and lifts) – $3,500 Ambulance (air or ground) – unlimited Accidental dental – $2,500 maximum per person, per anniversary year
$25,000 per adult under 65 $10,000 per child or per adult 65 and older
Continued coverage with no premiums for 1 year after death of an insured adult
$5 million in emergency health coverage for first 17 days of each trip
24/7 access to healthcare practitioners online, through the app Available once you have registered to submit your claims online through Manulife’s SecureServe Online Claims portal
Gets you live access to a trained operator for emergency assistance 24/7 and includes an optional fall detector.
Offering you home security and home monitoring right from your smartphone.
Drugs – 90% of first $2,222, 100% of next $8,000, up to a maximum of $10,000 a year Dental – Year 1, 80% up to $750; Year 2: $1,000; Year 3: $1,200; Year 4: $1,200; Year 5 & beyond: $1,500 Vision – $250 every 2 years Specialists and therapists – Combined maximum of $1,500 Travel (to age 65) – 30 days Hospital – Semi-private and private hospital room
See exactly what’s included
90% of first $2,222 and 100% of next $8,000 (up to a maximum of $10,000 a year)††
Brand-name prescription drugs
Smoking cessation drugs Fertility drugs Erectile dysfunction drugs Over-the-counter drugs Drugs that don’t require a prescription
Year 1, 80% up to: $750 Year 2: $1,000 Year 3: $1,200 Year 4: $1,200 Year 5 & beyond: $1,500 Check-ups every 6 months
Examinations Cleaning Scaling Polishing Fillings Select extractions Oral surgery Periodontics Endodontics (root canal) Denture services
Orthodontics (0% in year 1 and 2; 60% in year 3 and beyond) Crowns (0% in year 1 and 2; 60% in year 3 and beyond) Bridges (0% in year 1 and 2; 60% in year 3 and beyond) Dentures (0% in year 1 and 2; 60% in year 3 and beyond)
$250 per 2 years Optometrist fees up to $60 every 2 years
Prescription lenses Frames Contact lenses Laser eye surgery
Industrial safety glasses
Semi-private and private hospital room 100% for every day in hospital (up to $200 every day) $50 every day if semi-private or private room not available (up to $3,000)
$350,000 over lifetime for registered specialists and therapists, orthotics, hearing aids, homecare, medical equipment and more (after government health plan maximums reached)
Per person every year unless otherwise noted
Acupuncturist Chiropodist Chiropractor (plus $35 for chiropractic x-ray) Dietitian Naturopath Osteopath Physiotherapist Podiatrist Registered Massage Therapist
Psychologist/Psychotherapist – $80/first visit or $65/subsequent visit x 15 visits Registered Speech Therapist – $65/first visit or $45/subsequent visit x 15 visits
Orthotics (custom-made) – $225 Hearing aids (purchase or repair) – $500 every 4 years Homecare and nursing – $8,500 Prosthetic appliances (e.g., artificial joints and limbs) – $8,500 Durable medical equipment (e.g., wheelchairs, ventilators and lifts) – $8,500 Ambulance (air or ground) – unlimited Accidental dental – $3,000 maximum per person, per anniversary year
$50,000 per adult under 65 $20,000 per child or per adult 65 and older
Continued coverage with no premiums for 1 year after death of an insured adult
$5 million in emergency health coverage for first 30 days of each trip
24/7 access to healthcare practitioners online, through the app Available once you have registered to submit your claims online through Manulife’s SecureServe Online Claims portal
Gets you live access to a trained operator for emergency assistance 24/7 and includes an optional fall detector.
Offering you home security and home monitoring right from your smartphone.
牙科保健加基础核心保险费用
