Compare plan coverage

Coverage details Extended Health Care Plan Dental Enhanced Plan Three Star Plan Four Star Plan Five Star Plan
Medical Questionnaire Not required* Not required* Not required* Required Required
Prescription Drugs Not covered Not covered 70%/year to max of $450 for generic drugs (+) (fertility & birth control drugs not covered) 85% of first $500 for generic/brand drugs, 100% of next $1,375 to max. $1,800/year (fertility & birth control drugs not covered) 85% of first $500 for generic/brand drugs, 100% of next $4,575 to max $5,000/year
Dental Not covered 90% co-payment 70% co-payment 80% co-payment 90% co-payment
Vision Care $150/2 years
$60 optometrist visit/2 years
$150/2 years
$60 optometrist visit/2 years
$150/2 years
$60 optometrist visit/2 years
$150/2 years
$60 optometrist visit/2 years
$250/2 years
$60 optometrist visit/2 years
Hospital Benefits Not covered Not covered Not covered Semi-private accommodation (max 60 days) Semi-private or private accommodation (unlimited)
Extended Health Care $300,000 Lifetime Maximum (See details below) $100,000 Lifetime Maximum (See details below) $100,000 Lifetime Maximum (See details below $300,000 Lifetime Maximum (See details below) $350,000 Lifetime Maximum (See details below)

* There will be no medical questionnaire required at the time you are applying for the Extended Health Care Plan, Dental Enhanced Plan or the Three Star Plan. See Eligibility section below for additional details.

For full plan details download the Plan Comparison Chart

Plan details

Drug coverage (Exclusions for smoking cessation, erectile dysfunction, over the counter drugs and drugs not requiring a prescription)

  • Dispensing fees are covered (reasonable an customary limits apply) for the Four and Five Star Plan options, $6.50 for the Three Star Plan option
  • At age 65 coverage, coverage is 100% to maximum plan option coverage level
  • Coverage maximums for all plans are per anniversary year, except for those in BC and SK where coverage maxmiums are per calendar year (Jan 1 – Dec 31)

Covers basic services such as examinations, fillings and cleanings, x-rays and select extractions.

Five Star Plan covers major extractions.

No waiting period required for basic services. Paid at a percentage of the current Dental Association Fee Schedule. 

If applicable, dental coverage begins at the age when dental coverage under your government health insurance plans ends. 

Covers costs toward the purchase of prescription lenses, frames, contact lenses and laser eye surgery.

This benefit does not include industrial safety glasses. 

Preferred hospital accommodation in excess of the standard ward room rate charged by a general (acute care) hospital.

  • Four Star plan option includes semi-private accommodation up to $175 per day, with maximum of 60 days
  • Five Star plan option includes unlimited semi- private or private accommodation and includes a $50/day cash benefit when not able to secure preferred accommodation (max 60 days)

Benefits are maintained for one year following the death of the adult insured

  • This coverage is available for those insured under the Four Star and Five Star plan options
  • Coverage available one year after policy effective date for those insured under the Extended Health Care, Dental Enhanced and Three Star plans

Offers an evaluation of medical records upon diagnosis of serious illness or injury and web/toll-free health care information.

Health Service Navigator is offered through the Manufacturers Life Insurance Company. Manulife cannot guarantee availability of this benefit indefinitely.

Extended Health Care

Covering some of the additional costs for services not covered by your government health plans, including:

Covers trips to hospitals in a licensed ground ambulance up to the amount between what your provincial health plan covers and what is reasonable and customary.

  • Unlimited ground and air transport for all plan options

Benefits are only payable after yearly maximums allowed under your government/health insurance plan have been reached, if applicable. 

Covers dental treatment required as a result of an accidental blow to the head or mouth. Treatment must be sought within the 90-day period following the accident.

  • Maximum - $2,000 per year for natural teeth ($3,000 maximum per year for Five Star plan option)

Covers the cost to purchase and/or repair up to the allowed maximum.

  • Maximum - $300 per every 4 benefit years for the Dental Enhanced and the Three Star plan options
  • Maximum - $500 per every 4 benefit years for the Extended Health Care, Four Star and Five Star plan options

Covers the services of registered health professionals including Registered Nurse, Registered Nursing Assistant, Registered Dietician or Health Care Aid; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheelchairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies. Payment will be coordinated where benefits are available through the Assistive Devices Program.

Homecare and Nursing; Prosthetic Appliances; and Durable Medical Equipment:
-Yearly maximum of $2,500 for each for Extended Health Care and Four Star plans
-Yearly maximum of $7,500 combined for the Five Star Plan
-Yearly maximums of: Year 1: $500, Year 2: $800, Year 3: $1,000, Year 4: $1,200 and Year 5: $2,500 for the Dental Enhanced and Three Star plans

Custom-made Orthotics:
All plans have a $225 maximum per person, per anniversary year

Registered Specialists and Therapists

Includes visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Psychotherapists and Speech Therapists.

Benefits are only payable after yearly maximums allowed under your provincial government/health insurance plan have been reached, if applicable.

  • Maximum claims paid - $300 per specialist/therapist (Maximum of $600 combined for Five Star plan option)
  • Per visit maximum - $20 per visit (Unlimited maximum for Five Star plan option)
  • Chiropractic x-rays - $35
  • Maximum per first visit - $80 
  • Maximum per subsequent visit - $65
  • Maximum visits per year - 10 per year (Maximum visits per year - 15 per year for Five Star option)
  • Maximum per first visit - $65 
  • Maximum per subsequent visit - $45
  • Maximum visits per year - 10 per year
  • Maximum visits per year - 15 per year for Five Star option

Complete your own personal quote below, or call for more information. You can visit the Resource Centre for a downloadable pdf of the brochures or application.