Membership
Overview of the limited coverage provided by your Government Health Insurance Plan
Many people don't buy supplemental health insurance. They have many reasons for doing so:
"The Government covers me"
"I'm healthy - I don't need insurance"
"I have other financial priorities"
"I'd only claim a few things a year"
These people all have one thing in common: they'll pay for their ever increasing health expenses out of their own pocket. And, potentially put their family's financial future at risk. Let's take a moment to review each of the reasons.
You'll have to pay for prescription drugs, dental care and vision care on your own.
Government reassessment of health care funding is putting more emphasis for health care spending on the individual. Varying provincial health plan coverage reductions for prescription drugs and specialized health care, coupled with shorter hospital stays and more care required outside the hospital all mean one things - you pay more.
None of us like to think about the possibility of becoming ill. But, if an accident or illness were to happen it could cost you and your family your entire savings.
You could be especially vulnerable in the event you suffer a serious illness or injury. Or you could user up your savings on private care, because your Government Health Insurance Plan, unfortunately, offers only limited coverage for home nursing care and in-home assistance.
For only dollars a day you can provide you and your family with comprehensive coverage you simply shouldn't be without. And, if you're self-employed or operate a small business your health plan could literaly pay for itself.
Altough the dental, drug and vision components of a health plan are typically the most used benefits, the long-term value lies in the comfort of knowing you don't have to worry about the uncertainties that come from relying entirely on our government health care system.
Prescription Drugs
Limited coverage for lower income families and seniors
Dental Checkups and Treatments
Limited Coverage
Vision Coverage
Limited coverage for seniors
Hospital Stay
Basic Ward Accomodation
Specialized Care*
Limited coverage in only some cases
*Chiropractor, Chiropodist, Naturopath, Podiatrist, Registered Massage Therapist, Psychologist, Physiotherapist, Acupuncturist, Speech Pathologist/Therapist
Homecare and Nursing
Limited coverage in only some cases
Medical Supplies and Equipment
Limited coverage in some cases.
Emergency Medical Health Insurance for Travellers
$100 - $400 per day for hospital only (average hospital stay in the U.S.: $2,000 - $2,500 per day)
Personal Emergency Response
Not covered
Hearing Aids
Not fully coverered
Accidental Death and Dismemberment
Not covered
Catastrophic Coverage
No coverage except for financially qualified individuals
Personal Accident Disability Insurance
Protect your most valuable asset…your ability to work and earn a living. Protect yourself 24 hours a day anywhere in the world.
Critical Illness
The odds of surviving a critical illness are better than ever thanks to medical advances, you may want to consider these statistics*:
- Heart attacks strike 70,000 Canadians each year
- Strokes occur in 50,000 Canadians each year
- An estimated 2,865 Canadians are diagnosed with cancer every week
With the simple, accessible and affordable protection offered by the CoverMe™ Critical Illness insurance plan, you’ll have less financial worries, so you can focus on what’s really important – making a full and speedy recovery.
*Heart and Stroke Foundation (2005), National Cancer Institute of Canada (2005), Canadian Cancer Statistics (2005)
More Info
Insurance Plan Online Application
Insurance Plan PDF Application
Information for employers wishing to pay for employees' benefits
Manulife Financial Benefits Brochure
Critical Illness
Application
Brochure
Premiums
Conditions
Personal Accident Disability
Application
Product Guide (Francais)
Client Brochure (Francais)
Erik Gravelle, Financial
Advisor/Conseiller financier
Gravelle et Assoc.
Tel: (613) 733-1113
1-800-932-0288, x 227
Cel: (613) 791-8255