Manulife - FlexCare - ComboPlus Enhanced

Payments for accidental death or dismemberment directlyresulting from an accident, occurring within one year of the date of theaccident. 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

• 100% of first $500, 60% of next $700

Anniversary year maximum for basic dental services

• $920

Recall visits

• 6 months

Oral surgery, periodontics, endodontics (root canal)

• Year 1: 60%; Year 2: 60%; Year 3+: 80%
• Combined maximum for oral surgery, periodontics, endodontics and major restorative of $1,250

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

• Year 1: 0%; Year 2+: 60%
• per 3 consecutive years, with a year 1 combined maximum of $400.

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 4consecutive benefit years

Combined with Medical Supplies

Homecare & Nursing, Prosthetic Appliances and Durable Medical Equipment Covers the services of registered health professionals including Registered Nurse, Registered Practical Nurse, Licensed Practical Nurse, Personal Support Worker, Occupational Therapist; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment.

Payment will be coordinated where benefits are available through 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 (ParamedicalServices): 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

• Brand-name or Generic

Shared Dispensing Fee (subject to applicable co-payment)

• No maximum

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

• All except birth control drugs

Reimbursement of eligible prescription costs per year

• 90% of first $2,222, 100% of next $8,000
• Seniors’ Adjustments 65+: 100% of first $750, 90% of next$10,278

Anniversary year maximums per person

• $10,000
• Seniors’ Adjustments 65+ $10,000

TELUS Health Virtual Care

• 24/7 access to healthcare practitioners online, through the app.

$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 purchasedas 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.