Manulife Health Insurance

Manulife offers two supplemental health insurance products for Canadians who are not covered by an employer group benefits plan. Flexcare plans provide flexible, customizable coverage for prescription drugs, dental care, vision, paramedical services, and extended health care — including emergency medical travel coverage for trips up to 9 days. FollowMe plans are designed for individuals transitioning out of group benefits, with guaranteed acceptance when applying within 90 days of group coverage ending. Both products include the optional Manulife Vitality program, a healthy-living rewards program that can reduce premiums by up to 10%. Plans are underwritten by The Manufacturers Life Insurance Company.

Flexcare® Health & Dental Plans

Flexcare plans let you build your coverage by selecting a core plan (drug and/or dental) and adding optional enhancements. Plans are available to anyone not covered by an employer group plan, with no waiting period after approval. The Starter (ComboPlus™) plan is guaranteed issue and requires no medical underwriting.

Flexcare Core Plans

Flexcare Extended Health Care Benefits

• Prescription drugs (generic for Starter; brand-name or generic for Enhanced)
• Dental care (basic maintenance, with oral surgery and major restorative for Enhanced)
• Vision care: $150–$250 per 2 years; $70 for optometrist per 2 years
• Paramedical services: $25/visit, max 20 visits per specialist per year (chiropractor, osteopath, naturopath, massage therapist, acupuncturist, dietitian, podiatrist)
• Registered psychologist / counsellor: up to 15 visits per year
• Registered physiotherapist: up to $250 per year
• Homecare, nursing, and prosthetic appliances (progressive yearly maximums)
• Custom-made orthotics: $225 per year
• Accidental dental: $2,000 per year
• Hearing aids: $400 per 4 years ($500 for 65+ with Seniors Adjustment)
• Ambulance: unlimited ground and air transport
• Accidental death & dismemberment: up to $25,000 (adults under 65); $10,000 (65+ or children)
• Lifeline Personal Response Service: 6 months per 3 years
• Healthcare Online: 24/7 access to physicians (included in Enhanced; preferred pricing for others)
• Emergency medical travel: up to $5M per trip, 9 days per trip, unlimited trips/year (under age 70)
• Survivor Benefit: 1 year continuous coverage after death of insured (Basic and Enhanced)

Flexcare Optional Add-Ons

• Travel +8 days: Extends trip coverage from 9 to 17 days (up to $5M). Not available for age 70 and over.
• Travel +21 days: Extends trip coverage from 9 to 30 days (up to $5M). Not available for age 70 and over.
• Vision Enhanced: Increases vision coverage to $500 per 3 years; adds $100 toward laser eye surgery; $70 for optometrist per 2 years.
• AD&D Enhanced: Increases AD&D to $50,000 (adults under 65); $20,000 (children and 65+).
• Catastrophic Coverage: Unlimited prescription drug coverage after a $4,500 or $10,200 deductible; plus $25,000 extra for homecare; unlimited chiro/physio for 1 year after a hospitalized accident. Requires medical underwriting. Not available for 65+.
• Hospital Basic: Semi-private room; 100% for first 30 days, 50% for next 100 days (up to $150/day); $25/day cash benefit if unable to obtain semi-private room. Requires medical underwriting.
• Hospital Enhanced: Semi-private or private room; 100% coverage up to $200/day; $50/day cash benefit. Requires medical underwriting.

FollowMe™ Health Individual Insurance

FollowMe plans are designed for Canadians who are leaving an employer group health plan — due to career change, job loss, retirement, or reaching the group plan's maximum age. There is no waiting period and no medical questionnaire required if you apply within 90 days of your group coverage ending. FollowMe includes prescription drugs, dental (Enhanced Plus and Premiere), vision, extended health care, hospital benefits, and an optional travel add-on.

FollowMe Plans

FollowMe Key Benefits

• Prescription drugs (80% reimbursement; generic coverage)
• Dental care (Enhanced Plus and Premiere): basic services, oral surgery, major restorative (Premiere Year 2+)
• Vision: $150–$300 per 2 benefit years; optometrist $60/visit
• Hospital: semi-private room (Basic–Enhanced Plus); semi-private or private (Premiere)
• Paramedical: $600 combined/year (Basic–Enhanced); $650/year (Premiere)
• Homecare, nursing, prosthetic appliances (progressive yearly maximums)
• Custom-made orthotics: $250 per year
• Accidental dental: $2,000 (Basic); $2,500 (Enhanced/Plus); $10,000 (Premiere)
• Hearing aids: $300/5 years (Basic); $400/5 years (Enhanced/Plus); $600/4 years (Premiere)
• Ambulance: unlimited ground and air transport
• Fracture benefit: up to $350 (Enhanced/Plus); up to $500 (Premiere)
• Lifeline Personal Response Service: 6 months per 3 years
• Healthcare Online: preferred pricing (Basic–Plus); included (Premiere)
• Survivor Benefit: 1 year continuous coverage after death of insured

FollowMe Travel Add-On (Optional)

Optional emergency medical travel insurance is available with all FollowMe plans:

• Coverage: up to $5,000,000 per trip
• Trip lengths: 15 or 30 days per trip; unlimited number of trips per year
• Termination age: 80 (maximum issue age: 69)
• Stability clause: 9 months
• Deductible: $200 per claim
• Medical Concierge assistance program included
• No medical underwriting required if applying within 90 days of leaving group plan

Manulife Vitality (Optional)

Frequently Asked Questions

What is the difference between Flexcare and FollowMe?

Flexcare is a customizable plan for anyone not covered by group benefits — you choose your level of drug and dental coverage and can add optional enhancements. FollowMe is specifically for people leaving an employer group health plan, with guaranteed acceptance when applying within 90 days of group coverage ending. Both include optional Manulife Vitality.

Does Flexcare require medical underwriting?

The ComboPlus Starter plan and DentalPlus plans are guaranteed issue — no medical questionnaire required. ComboPlus Basic, ComboPlus Enhanced, DrugPlus plans, and optional Catastrophic Coverage and Hospital plans require medical underwriting.

Does Flexcare include travel insurance?

Yes. All Flexcare Core plans include emergency medical travel coverage of up to $5,000,000 per person per trip for an unlimited number of trips per year, with each trip lasting up to 9 days. Travel coverage ceases at age 70. Add-ons extend trip length to 17 or 30 days.

What is Manulife Vitality?

An optional healthy-living rewards program available with both Flexcare and FollowMe. Members earn Vitality Points for healthy activities and can save up to 10% on their premiums. Adding Vitality saves 5% on first-year premiums automatically. Available for $5/month with Flexcare plans.

How quickly must I apply for FollowMe after leaving my group plan?

You must apply within 90 days of your group health plan ending to receive guaranteed acceptance with no medical underwriting. Your group plan must be ending due to career change, job loss, retirement, or reaching the maximum age under your group plan.

Does FollowMe include travel insurance?

Travel coverage is available as an optional add-on for all FollowMe plans. It provides up to $5,000,000 per trip for an unlimited number of trips per year (15 or 30-day trip durations). No medical underwriting is required if applying within 90 days of leaving the group plan. Termination age is 80.