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Manulife Health Insurance Review 2024
Manulife’s personal health insurance plans provide Canadians with comprehensive and customizable options. Individuals can choose from three plan options: Flexcare, Guaranteed Issue Enhanced, and FollowMe Health and Dental plans. Coverage includes essentials like prescription drugs, dental, and mental health support, with additional benefits available through Manulife Vitality. While the guaranteed plan covers pre-existing conditions, Manulife offers a variety of choices to meet individual and family needs, making it a reliable option for managing healthcare expenses.
- What are the key features of Manulife health insurance?
- What are the different Manulife health insurance plans I can choose from?
- What does Manulife health insurance cover?
- Does Manulife cover pre-existing conditions?
- Does Manulife health insurance cover mental health services?
- Are diabetic supplies covered under Manulife health and dental insurance?
- How much does health insurance from Manulife cost?
- What are the pros and cons of Manulife’s health insurance plans?
- Where can I find the best Manulife health insurance quotes in Canada?
- Frequently asked questions
For Canadians seeking comprehensive and customizable health coverage, Manulife stands out as a prominent provider with a variety of options tailored to individual needs. In this review, we’ll take a closer look at Manulife’s personal health insurance offerings, exploring the key benefits, coverage levels, and how it compares to other options in the market.
Whether you’re considering supplementary coverage for your family or filling gaps in your existing plan, this guide will help you assess if Manulife’s health insurance is the right fit for your needs.
What are the key features of health insurance from Manulife?
Manulife offers personal health and dental insurance plans to Canadian residents who already have provincial health coverage. Flexcare ComboPlus Starter, Guaranteed Issue Enhanced, and all of FollowMe plans cover pre-existing conditions for individuals with an existing medical illness. Moreover, Manulife also offers monthly and annual payment options for their personal health insurance plans.
Key features of Manulife health insurance policy
| Category | Details |
| Waiting period | 90 to 180 days |
| Pre-existing illness coverage | Covered in Flexcare ComboPlus Starter, Guaranteed Issue Enhanced and FollowMe plans |
| Monthly premium | Yes |
| PolicyAdvisor rating | 5/5 |
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What are the different Manulife health insurance plans I can choose from?
Manulife has three different types of health insurance plans — Flexcare plan, Health and Dental Guaranteed Issue Enhanced plan, and FollowMe. Each of these plans has Basic/Starter tiers with limited coverage and Enhanced and Premiere tiers with higher coverage limits. Find out more about these plans:
- Flexcare plan: Flexcare offers flexible health insurance for individuals looking for prescription drugs, dental care, vision care, and extended healthcare coverage. This plan is ideal for those seeking tailored benefits to suit their specific health and lifestyle requirements
- Guaranteed Issue plan: This plan ensures guaranteed acceptance without the need for a medical exam, making it a great option for those with pre-existing conditions or health concerns. The Guaranteed Issue plan provides coverage for essential services such as dental care, extended health benefits, and accidental death and dismemberment protection
- FollowMe plan: FollowMe is perfect for individuals transitioning from group health coverage, such as employees retiring or leaving their jobs. This plan ensures there’s no gap in coverage if you apply within 90 days of losing your group benefits. It offers comprehensive coverage for health and dental care, as well as optional add-ons like critical illness protection
What does Manulife’s health insurance cover?
Manulife offers drug coverage, hospitalization, dental and vision care, mental health counselling, ambulance coverage, and more. Check out the coverage options in detail:
Manulife health and dental insurance coverage
| Benefits | Flexcare | Guaranteed Issue Enhanced | FollowMe |
| Drug coverage | Covers 70% between $525 to $10,000 per person/year | Covers up to $2,500 per person/year | Covers between $500 to $2,600 per person/year |
| Dental | Covers 70% of basic services up to $400 and emergency services up to $920 per person/year | Covers basic services up to $750 per person/year, including exams, cleaning, fillings, and oral surgery | No dental coverage in the basic FollowMe plans. The advanced plans have coverage ranging between $700 to $1,500 per person/year |
| Vision care | Covers between $150 to $250 for vision care every 2 years | Covers up to $200 for vision care every 2 years | Covers $150 to $300 for vision care every 2 years |
| Health practitioners | Covers up to $20/visit and up to 20 visits per practitioner/ year | Covers up to $20/visit and up to 20 visits per practitioner/ year | Covers up to $650 as a combined limit for all health practitioners/year |
| Hospitalization cost | Available as an additional add-on benefit | Covers up to $50/day up to a maximum of $1,000 every 2 years | Covered in the Enhanced plans, including 100% for the first 100 days (up to $200 every day) and 60% for the next 90 days (up to $120 every day) |
| Medical equipment | Covers up to an annual limit of $1,000 | Covers up to an annual limit of $4,000 | Covers up to an annual limit of $2,500 |
| Hearing aid | Covers 100% up to $400 every 4 years | Covers 100% of $500 every 5 years, starting from year 2 | Covers 100% up to $600 every 4 years |
| Ambulance services | Unlimited coverage | Unlimited coverage | Unlimited coverage |
| Pre-existing conditions | Not covered | Covered, with limitations | Covered, with limitations |
| Travel health benefits | Available as an add-on. Covers the first 9 days up to $5 million per trip with a $100 deductible up to the age of 70 | Covers the first 10 days up to $5 million per trip with a $100 deductible up to the age of 70 | Available as an add-on. Covers the first 15-30 days up to $5 million per trip with a $100 deductible up to the age of 65 |
Does Manulife cover pre-existing conditions?
Yes, Manulife provides coverage for pre-existing conditions under specific plans, including Flexcare ComboPlus Starter, Guaranteed Issue Enhanced, and all four FollowMe plans.
These plans are designed to accommodate individuals with pre-existing health conditions, ensuring they can access essential health benefits such as prescription drugs, dental care, and extended healthcare services.
Manulife’s offerings make it easier for individuals with existing medical issues to secure comprehensive insurance coverage tailored to their needs.
What is Manulife Vitality?
Manulife Vitality is a wellness program designed to reward members for living a healthier lifestyle. By participating in various health and fitness activities, members can earn points that lead to discounts, rewards, and other benefits.
Activities like completing a health assessment, exercising regularly, or getting preventative health check-ups contribute to your Vitality status, which can reduce premiums or provide perks such as gift cards or discounted fitness devices.
This program integrates seamlessly with Manulife insurance products, encouraging proactive health management and offering tangible incentives for making positive lifestyle choices.
Does Manulife health insurance cover mental health services?
Yes, Manulife health insurance covers mental health services across all three of its plans: Flexcare, Guaranteed Issue, and FollowMe. These plans include coverage for mental health counseling, therapy sessions, or psychiatrist visits. However, the coverage amount and specific terms may vary depending on the plan you choose.
For instance, the Flexcare plans offer limited mental health support, with set amounts per visit and a maximum number of visits per year. These limits may be higher in terms of Guaranteed Issue or FollowMe plans.
It’s essential to review the policy details to understand the limits and benefits associated with mental health support under your selected plan.
Does Manulife health insurance provide survivor benefits?
Yes, Manulife health insurance offers a survivor benefit as part of its commitment to supporting families during challenging times. In the event of the death of an insured adult, the plan ensures that surviving dependents continue to receive health coverage for up to one year without the need to pay premiums.
This provision provides essential financial relief and peace of mind, ensuring that dependents can still access vital health services such as prescription drugs, dental care, or extended health benefits during a period of transition.
Are diabetic supplies covered under Manulife health and dental insurance?
Yes, Manulife health and dental insurance covers certain diabetic supplies, such as test strips, lancets, and syringes. These supplies are essential for managing diabetes and are included in the plan’s coverage.
However, glucometers, insulin pumps, and any related equipment, supplies, treatments, or procedures are not covered under Manulife’s health insurance plans.
Which plans cover the Manulife medical marijuana program?
The Manulife medical marijuana program is available under the Flexcare and Guaranteed Issue Enhanced plans as part of their drug benefits. These plans provide coverage for medical marijuana when prescribed by a licensed healthcare provider.
However, it’s important to note that plan limitations apply, including limits on the amount of coverage and specific conditions that must be met.
How much does health insurance from Manulife cost?
Manulife’s health and dental plans usually cost between $99 to $125 for people aged between 25 to 75 years. Premiums may vary based on the age and health status of an individual. Check out the premium amounts for your needs:
Manulife health and dental plan cost
| Age | Without Pre-Existing Cost (Monthly) |
| 25 years | $99.80 |
| 35 years | $99.80 |
| 45 years | $122.10 |
| 55 years | $129.90 |
| 75 years | $125.80 |
*Premiums for a Flexcare base plan. Higher coverage will lead to higher premiums
What are the pros and cons of Manulife’s health insurance plans?
The pros of Manulife include the TELUS Health Virtual Care program, higher medical emergency coverage, and discounted rates for larger families. Manulife also provides access to Vitality, a pioneering healthcare and wellness platform for their client’s overall health benefits.
However, Manulife has certain limitations when it comes to pre-existing coverage. Also, the premiums may increase based on an individual’s age which can be a challenge for users.
Pros and cons of Manulife personal health insurance policy
| Pros | Cons |
| 24/7 access to virtual healthcare through TELUS Health Virtual Care, allowing you to connect with healthcare professionals anywhere in the world | Certain treatments may require pre-approval or have coverage caps |
| Offers up to $5,000,000 in emergency medical travel coverage | Premiums may become expensive as an individual gets older |
| Manulife Vitality program allows individuals to participate in health activities, track progress, and save on premiums | |
| Offers special rates for families with three or more children | |
| Additional coverage for those who are 65 years or older | |
| $2,500 prescription drug coverage, even for pre-existing conditions under the Guaranteed Acceptance plan |
Is Manulife personal health insurance a good investment?
Manulife personal health insurance can be a valuable investment, especially for Canadians seeking customizable, comprehensive coverage. With options like Flexcare Starter and Basic, and access to the Manulife Vitality wellness program, it provides essential healthcare benefits.
However, its requirement on pre-approval for certain diseases and potential premium increases with age may require consideration.
Where can I find the best Manulife health insurance quotes in Canada?
If you’re considering Manulife’s personal health insurance policy, several factors must be considered. Finding the ideal combination of coverage and customizations to fit your specific needs—and your budget—can be challenging.
This is where PolicyAdvisor’s expertise is invaluable. Our advisors guide you through all available options and design a tailored benefits package based on your family’s needs and preferences.
We also help you secure the most affordable rates, ensuring you’re prepared to protect your loved ones in a medical emergency. Our after-sales support makes sure you have us any time you need help, even years after purchasing a policy. Start today to safeguard your family’s health and financial security with the best care available!
Frequently asked questions
Are there waiting periods for Manulife’s health insurance benefits?
Yes, Manulife’s health insurance plans may include waiting periods for certain benefits, such as dental and specific treatments. The length of these waiting periods varies depending on the plan and type of service.
Is emergency travel insurance included in Manulife’s health plans?
No, emergency travel insurance is not automatically included in all of Manulife’s health insurance plans but is available as an optional add-on for certain policies.
This coverage provides financial protection for unexpected medical emergencies while traveling outside Canada. It’s ideal for those who travel frequently or want additional peace of mind.
Are family plans available with Manulife health insurance?
Yes, Manulife offers special family plans with discounted rates for families with three or more children, making it affordable to cover larger households while providing comprehensive health and dental benefits.
- Manulife offers multiple health insurance plans, including Flexcare, Guaranteed Issue Enhanced, and FollowMe Health and Dental, providing flexibility to meet various health needs and budgets
- Coverage includes essential services such as drug prescriptions, dental, vision, and mental health counseling, with optional add-ons for expanded benefits
- All plans include access to Manulife Vitality, a wellness program that rewards healthy lifestyle choices with discounts and benefits
- All plans cover pre-existing conditions up to a certain degree, offering accessible treatment options for those requiring ongoing care
