Manulife - FlexCare - ComboPlus Basic

Payments for accidental death or dismemberment directly resulting from an accident, occurring within one year of the date of the accident. Additional coverage can be purchased as an Add-On.

• Up to $25,000 for adults
• Up to $10,000 for children and persons aged 65 years or over

Covers trips to hospital in a licensed ambulance in yourhome province/territory of residence. Covers charges up to the amount betweenwhat your government health insurance plan covers and what is reasonable andcustomary.

Unlimited ground and air transport

Reimbursement (for ongoing maintenance services: fillings,cleanings, scalings, examinations, polishings, and select extractions) per year

• 80% of first $400, 50% of next $860

Anniversary year maximum for basic dental services

• $750

Recall visits

• 9 months

Oral surgery, periodontics, endodontics (root canal)

• Not covered

Major restorative (orthodontics, crowns, bridges, dentures)– benefits commence in year 2

• Not covered

Coverages are designed to coincide with the current provincial Dental Association Fee Guide for General Practitioners.

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

• $400 per 4 benefit years
• Seniors’ Adjustments 65+: $500 maximum per person, per 4 consecutive benefit years

Combined with Medical Supplies

Homecare & Nursing, Prosthetic Appliances and DurableMedical Equipment Covers the services of registered health professionalsincluding Registered Nurse, Registered Practical Nurse, Licensed PracticalNurse, Personal Support Worker, Occupational Therapist; includes surgicalbandages and dressings and the purchase or rental of medically necessaryequipment.

Payment will be coordinated where benefits are availablethrough the Assistive Devices Program.

For each of Homecare & Nursing, Prosthetic Appliances and Durable Medical Equipment:

• $4,000 maximum per person, per anniversary year
• Seniors’ Adjustments 65+: 4,500 maximum per person, per anniversary year

Registered Specialists and Therapists (Paramedical Services): Chiropractor ($35 chiropractic x-rays per year), Chiropodist, Osteopath, Naturopath, Podiatrist,

Registered Massage Therapist, Acupuncturist, Dietitian (per person per anniversary year)

• Dollar maximum $25/visit, maximum visits 20/specialist

Registered Psychologist/Psychotherapist/Clinical Counsellor(per person per anniversary year)

• Maximum visits 15, First visit $80, Subsequent visits $65

Registered Speech Pathologist/Therapist (per person per anniversary year)

• Maximum visits 10, First visit $65, Subsequent visits $45
• Seniors’ Adjustments 65+: Maximum Visits 15

Registered Physiotherapist (per person per anniversary year)

• $250 maximum

Generic drugs vs. brand-name drugs

• Generic

Shared Dispensing Fee (subject to applicable co-payment)

• $6.50 maximum

Exclusions – Smoking cessation drugs, over-the-counter drugs, fertility drugs, birth control drugs, erectile dysfunction drugs and drugs not requiring a prescription

• All

Reimbursement of eligible prescription costs per year

• 70% of first $750
• Seniors’ Adjustments 65+: 100% of first $750, 90% of next $4,722

Anniversary year maximums per person

• $5,000
• Seniors’ Adjustments 65+: $5,000

$5,000,000 emergency health coverage per person for tripslasting a maximum of 9 days. (A $100 deductible applies per claim.)

• Included

Additional coverage for either 8 or 21 days can be purchased as an Add-On.

• 100% reimbursement to a maximum of $250 every 2 years for lenses and frames, contacts or laser eye surgery
• $70 per 2 benefit years for Optometrist visits

This benefit does not include industrial safety glasses.

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