An Overview of Benefits
- Emergency Medical maximum benefits: $15,000; $25,000; $50,000; $100,000 and $150,000.
- Emergency hospital: semi-private room or intensive care unit when medically necessary.
- Ambulance Transportation: the use of a licensed local ambulance service.
- Emergency Air Transportation: the cost for one-way economy airfare, stretcher or air ambulance to transport you to your country of origin, and a medical attendant if required. *
- Diagnostics: tests that are needed to diagnose or find out more about your condition. **
- Physician services.
- Private duty registered nurse while you are in hospital.
- Medical Appliances - the rental or purchase (whichever is less) of a hospital bed, wheelchair, brace, crutch or other medical appliance.
- Follow up visits are covered until the attending physician, or Manulife medical advisors declare the end of the medical emergency.
- Professional Medical Services referred by a physician - 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.
- Telemedicine service by Maple – 24/7 days medical consultation service that connects you within minutes to a Canadian licensed primary care physician to get an assessment, diagnosis and prescription as needed. Currently Maple is available in ON, BC, NS, MB, NL, AB, PEI, NB, QC, NU and YT. Call the Assistance Center and ask for Maple service.
- Prescription drugs
- Accidental Dental: Up to $4,000 for repair or replacement of your natural or permanently attached artificial teeth damaged by an accidental blow to the mouth.
- Dental Emergencies: Up to $300 for the relief of dental pain.
- Expenses related to death from covered medical condition - up to $3,000 for container and to prepare or cremate the body, plus the expenses to return the body or ashes to the country of origin, or up to $3,000 for burial at place of death.*
- Meals and Accommodation - up to $150 per day to a maximum of $1,500 for hotel, meals, essential calls and taxi fares, if a medical emergency prevents you or your travel companion from returning home as originally planned.*
- Expenses to bring someone to your bedside - up to $3,000 for airfare and up to $500 for hotel and meals for someone to be with you, if traveling alone and admitted to a hospital for 5 days or more. *
- Expenses to return your travel companion - if you are repatriated or evacuated (returned home due to sickness or death), Manulife will cover the cost of one-way economy class airfare, to return home your travel companion (one person who is travelling with you and insured under Manulife travel insurance plan). *
- Childcare expenses - up to $100 per day to a maximum of $300 per trip, if you are admitted to hospital. *
- Expenses to return of children under your care if you are admitted to hospital for more than 24 hours. *
- Hospital Allowance - up to $100 for each 24-hour period to a maximum of $300 for telephone and television out-of-pocket expenses if you are hospitalized for more than 72 hours.
- Trip break for temporary visit back to your country of origin are available when approved by Manulife.
- Flight to/from Canada coverage: When coverage is purchased prior to leaving home with an effective date equal to the date and time you are scheduled to arrive in Canada, coverage will also be provided with no additional premium during your uninterrupted flight directly to Canada. An uninterrupted flight can include a stop-over provided you do not leave the airport. When the expiry date equals to the date and time you are scheduled to leave Canada, coverage will also be provided with no additional premium during your uninterrupted flight from Canada directly home.
Eligibility and Plan Qualification
You are not eligible for coverage under this policy if any of the following apply to you: You are travelling against the advice of a physician.
● You have been diagnosed with a terminal illness with less than 2 years to live.
● You have a kidney condition requiring dialysis.
● You have used home oxygen during the 12 months prior to the date of application; You have been diagnosed with Alzheimer’s disease or any other form of dementia.
● You are under 30 days or over 85 years of age (over 69 years of age for $150,000 Single-Trip Emergency Medical Coverage); You reside in a nursing home, home for the aged, other long-term care facility or rehabilitation Centre; and/or
●You require assistance with ACTIVITIES of daily LIVING.
After reading the above, if you determine that you are eligible, you qualify to purchase this insurance. If you are eligible to purchase this coverage and are aged 40-85 (40-69 years of age for $150,000 Single-Trip Emergency Medical coverage) you may qualify for Plan B, which covers stable pre-existing medical conditions that have been stable for 180 days before your EFFECTIVE date. If you are applying for Plan B, you must answer NO to each question in Part A below. If you are uncertain of your answers to any of the medical questions below, please consult your doctor before completing the Medical Questionnaire.
Pre-Existing Condition Exclusions
The pre-existing condition exclusion that applies depends on your age and the plan you have qualified for as determined by your answers to the medical questions.
Up to age 85: We will not pay any expenses relating to any medical condition, diagnosed or undiagnosed, which existed or for which you sought or received medical advice, consultation, investigation, or for which treatment was required or recommended by a physician, in the 180 days before your EFFECTIVE date of insurance; any heart condition if, in the 180 days before the EFFECTIVE date, you require any form of nitroglycerine for the relief of angina pain; any lung condition if, in the 180 days before the EFFECTIVE date, you require treatment with oxygen or prednisone for a lung condition.
Up to age 85: We will not pay any expenses relating to a pre-existing condition that is not stable in the 180 days before your EFFECTIVE date; any heart condition if, in the 180 days before the EFFECTIVE date, you require any form of nitroglycerine for the relief of angina pain; any lung condition if, in the 180 days before the EFFECTIVE date, you require treatment with oxygen or prednisone for a lung condition.
ALL PLANS & ALL AGES
Hospitalization for a pre-existing condition: We will not pay any expenses relating to a pre-existing condition for which you are hospitalized either more than once or for at least 2 consecutive days in the 12 months before your EFFECTIVE date.
To get a refund of premium:
(a) If you are cancelling your policy because your application for a Parent and Grandparent Super Visa was refused, you must provide proof of Visa refusal with your request for a full refund. Otherwise, you can ask for a full refund at any time before the effective date of your insurance.
(b) If you obtain Canadian government health insurance plan coverage or return home before the date you were scheduled as per your confirmation and have not reported or initiated a claim or been provided with any assistance services, you may ask for a refund of the premium for the unused days of your trip and will need to provide proof of the date you actually returned home or the effective date of your Canadian government health insurance plan coverage. Simply contact us to ask for a refund. All travelers insured under the same policy must return together or have Canadian government health insurance plan coverage in effect for a refund to be possible. Minimum premium refund amount is $25.
(c) If you hold a Parent and Grandparent Super Visa and have purchased 365 days of coverage, and requesting a partial refund due to your early return to your home or departure from Canada and:
● have had no claim that has been reported, paid, or denied - unused premiums (minimum of $25) may be refunded when you have provided proof of return to your home or departure from Canada.
● have reported a claim or have a payable claim for which the payment has not been issued or the total amount of all reported eligible claim expenses will not exceed the deductible amount - you may apply to have such claim withdrawn and, subject to our approval, unused premium may be refunded less a handling fee of $300 per claim which will be deducted from any amount to be refunded. Any expenses regarding the claim you withdraw will be your responsibility for payment.
● When the claim was denied or paid – no refund will be possible.
|RATES Plan A|