Plan Info Manulife
| Summary of Benefits |
|---|
| Maximum Sum Insured options |
| $15,000, $25,000, $50,000, $100,000 (30–85 years old); up to $150,000 (30–69 years old). Maximum 365 days per policy. |
| Emergency Hospital |
| Hospital room (semi-private or intensive care if medically necessary); hospital services and supplies necessary for care in case of medical emergency. |
| Emergency Medical |
| Medical care from a physician in or out of hospital; medical care from a licensed nurse; diagnostic tests needed to diagnose or find out more about your condition; prescribed drugs (by physician or dentist); rental/purchase of hospital bed, wheelchair, brace, crutch, or other medical appliance; all subject to eligible emergency only. |
| Drugs or Medications |
| Drugs that are prescribed and are available only by prescription from a physician or dentist, required as part of your emergency treatment. |
| Professional Service |
| Treatment received from a licensed chiropractor, osteopath, acupuncturist, chiropodist, physiotherapist, or podiatrist, up to $70 per visit to a maximum of $700 for a covered injury. |
| Emergency Air Transportation / Return Home |
| Air ambulance, stretcher fare on commercial flight, return economy airfare for a qualified medical attendant, or extra economy airfare for you, when medically necessary and pre-approved/arranged by Assistance Centre. |
| Transportation of Family |
| If you are travelling alone and are admitted to hospital for 5 days or more, up to $3,000 for return airfare for an immediate family member or close friend, plus up to $500 for hotel and meals. Also covers return of dependent children under your care. |
| Follow-up Visits |
| Follow-up visits are covered until the attending physician or Manulife medical advisors declare the end of the medical emergency. |
| Accidental Dental |
| Up to $4,000 to repair or replace natural or permanently attached artificial teeth, if caused by a direct unintended blow to the mouth. |
| Dental Emergencies |
| Up to $300 for the relief of dental pain. |
| Meals and Accommodation |
| Up to $150 per day, to a maximum of $1,500 for extra hotel, meals, essential calls and taxi fares if a medical emergency prevents you or your travel companion from returning home as planned. |
| Emergency Return Home |
| Extra cost of economy airfare, stretcher airfare, medical attendant return airfare, or air ambulance if medically necessary (as approved and arranged by Assistance Centre). |
| Return of Deceased |
| Up to $3,000 for preparation and return of your body, or up to $3,000 for burial or cremation at the place of death. |
| Accidental Death & Dismemberment |
| Up to $50,000 for death, double dismemberment, or loss of sight in both eyes; up to $25,000 for single dismemberment or loss of sight in one eye. |
| Flight Accident |
| - |
| Side-trip outside Canada |
| Coverage for side-trips outside Canada (excluding your country of origin) as long as each trip does not exceed the lesser of 30 days per policy or 49% of total coverage days; trip must originate and terminate in Canada. |
| Coverage for pre-existing medical conditions |
| Plan A: No coverage for any condition existing or treated in 180 days prior to effective date. Plan B: Coverage for pre-existing conditions if stable for 180 days prior to effective date. No coverage if hospitalized more than once for 2+ days in 12 months prior to effective date. |
| Waiting period for sickness |
| 48-hour waiting period if policy purchased after arrival in Canada or after expiry of previous Manulife policy (waived if purchased before arrival, or as continuation with no lapse or increase in sum insured). Sickness during waiting period is not covered, even if expenses occur later. |
| Bringing Someone to Your Bedside | | If you are hospitalized for 5+ days, pays return airfare for a family member or friend to your bedside (up to $3,000), plus $500 for their hotel and meals, and covers that person under the same emergency plan for up to 72 hours. | | Hospital Allowance | | If hospitalized for more than 72 hours, up to $100 per day to a maximum of $300 for telephone and television expenses incurred while hospitalized. | | Trip Break | | You may return home during your trip without terminating your coverage (with prior approval); coverage resumes on your return to Canada. No refund of premium for days spent at home. | | Return Your Travel Companion | | Covers the extra cost of one-way economy airfare for your travel companion if you are repatriated or evacuated under Return of Deceased or Emergency Return Home benefits. | | Childcare | | If you are admitted to hospital, up to $100 per day to a maximum of $300 for childcare services (if child under your care during your trip). | | Medical Consultation Service (Telemedicine) | | Access to a Canadian-licensed primary care physician for assessment, diagnosis, and prescription by phone or online, through the Maple telemedicine service (available in most provinces). | | Assistance Centre | | 24/7 multilingual emergency assistance for medical referral, travel information, coordination of care, direct payment to providers, and more. | | Automatic Extension | | Up to 72 hours if carrier is delayed, up to 5 days if you or travel companion have a medical condition that prevents travel but do not require hospitalization, and coverage is extended for full hospitalization period plus 5 days after discharge (to maximum of 12 months). | | Refund Policy | | Full refund if requested before policy effective date or if Super Visa is refused. Partial refund for unused days if you obtain provincial coverage or return home early and no claim has been made. Minimum refund $25. |