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Get comprehensive coverage from Manulife on pre-existing conditions with guaranteed acceptance health and dental insurance*
Have pre-existing conditions and looking for personal health and dental insurance that is best suited for you and can cover underlying health conditions? The Manulife Health & Dental Guaranteed Issue Enhanced plan provides guaranteed acceptance coverage for prescription drugs, dental care, vision care, and more.
Help protect against out-of-pocket health care costs not covered by your government’s health insurance plan by applying for the Manulife Health & Dental Guaranteed Issue Enhanced plan today.
Your acceptance is guaranteed from one of Canada’s top health and dental insurance companies1.
Benefits
* Guaranteed acceptance dependent upon receipt of first premium payment and satisfaction of eligibility criteria
Plan details
- Prescription drugs** – plan maximum of $2,500 in paid expenses per year
- Includes $500 maximum in paid expenses per year for the following: prescription birth control drugs, glucose sensors, oral erectile dysfunction drugs, smoking cessation drugs and aids up to a lifetime maximum of $300, medical marijuana, intra-uterine devices (IUDs) and diaphragms, anti-obesity drugs, vaccines
- Dental care – including exams, cleaning, fillings, and oral surgery
- Registered specialists and therapists – such as acupuncturists, chiropractors, massage therapists, etc.
- Vision care – prescription lenses, frames, contact lenses and laser eye surgery to a maximum of $200 every two years
- Nursing
- Mental health and therapy – such as psychologists, registered social workers, etc.
- Ambulance – unlimited ground and air
- Medical equipment – such as canes, walkers, crutches, etc.
- Emergency medical travel insurance – $5 million per person, 10 days per trip, 9-month stability, $200 deductible per claim
** Prescription drug coverage applies to costs not covered by your provincial or territorial prescription drug insurance plan in Canada, up to the maximums stated above. In Quebec, the prescription coverage available under this plan is limited to costs not covered by the RAMQ Prescription Drug Insurance Plan. It is not intended to be a replacement for the RAMQ Plan. In order to be eligible for coverage under this plan, you must have a provincial health card and be registered under the RAMQ Prescription Drug Insurance Plan or have equivalent coverage under a group plan.
Included†:
- TELUS Health Virtual Care – get 24/7 access to virtual healthcare anywhere in the world!
- TELUS LivingWell Companion™ – Get live access to a trained operator for emergency assistance 24 hours a day, 7 days a week. Includes an optional fall detector.
- TELUS SmartHome Security – Home security and home monitoring from your smartphone.
† The TELUS LivingWell Companion and TELUS SmartHome Security are a combined benefit. You can select one of these two benefits for reimbursement for six months every three years. Manulife cannot guarantee the availability of this benefit indefinitely.
Ready to buy?
You can get a quote and purchase this insurance online through Manulife CoverMe.
Want to talk through your options?
There’s lots of information out there. Speaking with an insurance advisor could be an effective way to sort some of it out. To find one that works near you, simply click on the ‘Find an advisor’ button below.
Frequently asked questions
In Canada, the premiums you pay towards your health and dental insurance are tax deductible. As a self-employed individual, you may be able to deduct health insurance premiums from your business income.* If you are offering health benefits to your employees, you can generally deduct the cost of providing the plan as a business expense for tax purposes as well.**
* As a self-employed individual, you may be able to deduct health insurance premiums from your business income instead of claiming it as a personal medical expense for the purpose of the medical expense tax credit. TaxTips.ca, Eligible Medical Expenses, 2021
Our health and dental plans that offer guaranteed acceptance, including the Manulife Flexcare® ComboPlus™ Starter Plan, Guaranteed Issue Enhanced Plan, and all four FollowMe™ plans for people whose group benefits are ending, cover eligible pre-existing conditions and eligible current medications. Our other health and dental insurance plans only cover new medications. Please refer to your policy for more details.
If your claim form is complete and accurate, you will generally receive payment within six business days. When information is missing, we may have to return the claim form to you. This delays processing and payment.
First, check to see if your provider has already submitted your claim. Often, you don't have to submit a claim because many hospitals, pharmacies and dentists can submit your claim directly to us. There's no online form or paperwork for you, and you only pay the amount your plan doesn't cover.
If your provider hasn't already submitted your claim, you can submit your claim online or on paper by mail.
Submit your claim online:
- Within 12 months of the date you were charged
- After you've paid more than any deductible in your plan
- Specify the currency if your claim is for services outside Canada
- Hold onto original receipts and applicable supporting documentation for 12 months
Submit your claim on paper by mail:
- Within 12 months of the date you were charged
- After you've paid more than any deductible in your plan
- Specify the currency if your claim is for services outside Canada
- Include original receipts and applicable supporting documentation
- Make sure you've signed your claim form
- Extended health claim form – for all covered expenses except dental expenses
- Dental benefit claim form – must be completed by your dentist or dental specialist
Every province and territory has a different health insurance plan – check your health ministry's website for details – but most may not cover:
- Prescription drugs
- Dental checkups and treatment
- Vision care
- Semi-private or private hospital rooms
- Registered specialists and therapists such as Acupuncturists, Chiropodists, Chiropractors, Naturopaths, Osteopaths, Physiotherapists, Podiatrists, Psychologists/Psychotherapists, Registered Massage Therapists, Speech Pathologists/Therapists
- Health-related products such as orthotics, hearing aids, prosthetics and medical equipment
- Health-related services such as ambulance, homecare and nursing, medical coordination and second medical opinions
- Emergency medical care for travellers
1 Based on mentions by the following websites: RateHub.com, CanadaBuzz.ca, HelloSafe.ca, MoneyGenius.ca.
TELUS Health Virtual Care, TELUS LivingWell Companion and TELUS SmartHome Security are trademarks of TELUS Corporation, used by it and its affiliates under license.