Manulife Health Insurance Review (Updated 2023)

Did you know that private life and health insurers in Canada pay out around $100 billion a year in benefits? Health can be expensive and it's sensible to have some form of insurance in place to make sure you don't end up in a situation where costs are spiralling out of control.

In this review we will lay out the advantages and disadvantages of owning a GMS health insurance policy, we take you through what it covers, what add-ons there are and how to apply for Manulife personal health insurance.

Our Manulife health insurance review: the most comprehensive options

Manulife offers many comprehensive health insurance plans - whether you are looking for dental benefits, drug benefits, or a combination, you will be able to find a plan that works for your health needs.

They have a comprehensive online portal offering easy access to your benefit information and to submit a claim online. All health and dental plans have the option to add Manulife Vitality which gives you the opportunity to earn rewards and save on how much you pay.

Manulife private health insurance is a choice for you if you do not have health benefits through your employer, you are losing your group coverage, or if you would like additional benefits not offered by your employer’s or province’s health and drug coverage such as dental or medication-only coverage.

Before signing up for a health insurance plan with Manulife, compare rates and coverage offerings from the best health and dental plans using our comparison tool.

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What is the cost of Manulife health insurance?

A 30-year-old woman living in Toronto opting for a CoverMe ComboPlus Basic Plan without dental could expect to pay $96.90 per month to Manulife health insurance Ontario.

Your premium will be determined by your individual circumstances. Manulife will use a number of factors to calculate your premium such as:

• age
• gender
• addition of optional benefits
• the number of lives on your plan (individual, family, etc.)
• smoker status

To make sure you are getting the best plan for the best price, you must first establish what you want from your health insurance policy. Take a look at the table below to see some of the variables affecting pricing.

Non-smoker, Ontario*	ComboPlus Starter Plan	ComboPlus Basic Plan
30-year-old man	$96.90 / month	$111.10 / month
50-year-old man	$132.8 / month	$154.10 / month
30-year-old woman	$96.90 / month	$111.10 / month
50-year-old woman	$132.8 / month	$154.10 / month

*this assumes that the purchaser is covered by the Ontario provincial health plan (OHIP)

To make sure you are getting the best plan for the best price, you must first establish what you want from your health insurance policy. The price of health insurance varies greatly between insurers. Your health history, age, the coverage options offered, your province, and more affect pricing.

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What does Manulife health insurance cover?

Manulife individual health insurance coverage pays for expenses that are not covered by your provincial healthcare. Some expenses that Manulife covers include:

Coverage	Explained
Prescription drugs	Covers the partial cost of prescription medicines
Physiotherapists, chiropractors, psychologists	Covers the use of paramedical services
Vision care	Partially covers the cost of eye healthcare and lenses
Nursing and ambulance services	Covers transport to hospital and after-hospital care
Therapeutic equipment (orthotics, prosthetics, etc.)	Covers the cost of medical equipment you may need
Travel insurance	Covers healthcare costs while out of your province.

Manulife also offers a mobile healthcare app that allows you to research drug plans, manage prescriptions and review your claims.

What types of health insurance does Manulife offer?

Manulife has seven tiers of plans designed to suit your specific needs:

• DrugPlus Basic
• DrugPlus Enhanced
• DentalPlus Basic
• DentalPlus Enhanced
• ComboPlus Starter
• ComboPlus Basic
• ComboPlus Enhanced

All plans come with varying degrees of vision coverage and $250,000 extended health care over a lifetime for registered specialists and therapists, orthotics, hearing aids, home care, medical equipment and more (after government health plan maximums are reached).

Hospital, additional vision care, travel and accidental death and dismemberment can be added to each plan.

Plan	ComboPlus Starter	ComboPlus Basic	ComboPlus Enhanced
Prescription Drugs	$525/Year	$5,000/Year	$10,000/Year
Dental Care – Ongoing Maintenance	$400/Year	$750/Year	$920/Year
Dental Care – Oral surgery, periodontics, endodontics			Year 1: 60% Year 2: 60% Year 3+: 80%
Dental Care – Major restorative			Year 1: 0% Year 2+: 60%
Vision Care	$150 every 2 Years	$250 every 2 Years	$250 every 2 Years
Extended Health Care	$250,000 Lifetime	$250,000 Lifetime	$250,000 Lifetime

Plan	DrugPlus Basic	DrugPlus Enhanced	DentalPlus Basic	DentalPlus Enhanced
Prescription Drugs	$5,000/Year	$5,000/Year
Dental Care – Ongoing Maintenance			Year 1: $575 Year 2+: $750/ Year	Year 1: $840 Year 2+: $920/Year
Dental Care – Oral surgery, periodontics, endodontics				Year 1: 0% Year 2: 60% Year 3+: 80%
Dental Care – Major restorative				Year 1: 0% Year 2+: 60%
Vision Care	$250 every 2 Years	$250 every 2 Years	$250 every 2 Years	$250 every 2 Years
Extended Health Care	$250,000 Lifetime	$250,000 Lifetime	$250,000 Lifetime	$250,000 Lifetime

For more information see this PDF of Manulife CoverMe health insurance

What extras does Manulife health insurance offer?

Manulife allows you to purchase extras to add to your health insurance in order to increase your coverage, either for more serious health problems, like accidental death and dismemberment insurance or for things that are usually excluded, like travel insurance.

Extra coverage	What it protects
Manulife Vitality	A rewards program
Hospital	Provides cash to cover day-to-day hospital stay expenses
Travel insurance	Protects you if you become ill or are injured while travelling
Additional vision care	Increases the coverage limits for eye care
Accidental death and dismemberment	Insures you in case of mutilation, amputation or death by accident

Interested in seeing what extras other insurance providers offer?

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What does Manulife dental insurance cover?

While Canada’s public system covers lots of healthcare needs, access to dental care is not included. Dental care is important to one’s overall health. Since it can be a major expense, too many people skip preventive treatment. That is a mistake, as regular preventive care helps prevent gum disease, which is linked to conditions like heart disease, diabetes and rheumatoid arthritis. Additionally, it can help you to detect other medical complications early.

A supplemental dental insurance plan can help, here is what Manulife health and dental insurance offers.

Manulife offers two stand-alone dental plans and also offers dental benefits in all three combination plans; however, each plan will have differing benefits.

Dental Plan	Year one coverage	Year two and beyond
DentalPlus Basic	Year 1: 50% of first $1,150 (up to $575 every year) Check-ups every 9 months	Year 2+: 80% of first $400 and 50% of next $860 (up to $750 every year) Check-ups every 9 months
DentalPlus Enhanced	Year 1: 70% of first $1,200 (up to $840 every year) Check-ups every 6 months	Year 2+: 100% of first $500 and 60% of next $700 (up to $920 every year) Check-ups every 6 months
ComboPlus Starter	70% of the first $575 (up to $400 every year) Check-ups every 9 months	70% of the first $575 (up to $400 every year) Check-ups every 9 months
ComboPlus Basic	80% of first $400 and 50% of next $860 (up to $750 every year) Check-ups every 9 months	80% of first $400 and 50% of next $860 (up to $750 every year) Check-ups every 9 months
ComboPlus Enhanced	100% of first $500 and 60% of next $700 (up to $920 every year) Check-ups every 6 months	100% of first $500 and 60% of next $700 (up to $920 every year) Check-ups every 6 months

What is Costco Manulife health insurance?

Manulife has an offer which allows Costco members special savings rates, executive members can save up to 5%. As a Costco member, you get set premiums which will not change with your health over the years and Survivor's coverage which will support your dependents for one year if you die unexpectedly.

Costo health insurance offers members a choice between standard Health and Dental Insurance and the FollowMe Health plan. The FollowMe Health plan is a guaranteed health insurance policy, which means there are no medical questionnaires and no check-ups, everyone can get this policy no matter their health history.

How to get Manulife health insurance?

You can get a Manulife health insurance quote directly from our website. Compare Manulife and other leading insurers in your province in seconds.

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Alternatively, tou can get a Manulife health insurance quote by heading to their website, choosing the plan that suits you best and giving your age, address and choosing the amount of coverage that you need.

You can also request a Manulife personal health insurance quote through an insurance broker, or you can call a representative directly on the Manulife health insurance contact number: 1-800-268-3763.

Manulife health insurance login

You can access your personal account on the Manulife website by clicking the Log On button on the top right of the homepage. You will need your username and password. Once you have unlocked your account you will be able to manage your claims, see upcoming prescriptions and alter your drug plans.

Managing your account online is a great way to stay on top of your health insurance rather than waiting for monthly postal updates. It allows you to stay flexible and alter your plan as your life circumstances change. Managing your prescriptions online allows you to change which pharmacy you pick up from if you are on the move.

Manulife health insurance app

Using Manulife's app allows you access to Akira by TELUS Health. This lets you get in touch with a healthcare professional, any time, day or night. This means you can ask health questions or questions about the level of coverage you need easily and from the comfort of your own home.

You can download the app via the Manulife website or through your app store.

Manulife health insurance customer service

You can call the Manulife health insurance phone number at 1-800-COVER ME (1-800-268-3763). You will be able to speak to a customer services representative from Monday through Friday, between 8:00 am and 8:00 pm ET.

Manulife customer service	Contact
Phone	1-800-COVER ME (1-800-268-3763) Monday through Friday, between 8:00 am and 8:00 pm
By email	Health and Dental: [email protected]
Mail	CoverMe PO Box 670 STN Waterloo Waterloo, ON N2J 4B8 Canada

How to make a claim with Manulife heal insurance?

You can make a claim via the website on through the app. You will need to login into your personal space before you make a claim. In your personal space, you will be able to see your previous claims and keep track of how they are progressing.

Alternatively, if you prefer to have hard copies of your documentation, you can download the appropriate form below, fill it out and mail it to one of the following addresses.

How to cancel health insurance Manulife?

If you want to end your Manulife health insurance then you can speak to a representative directly by calling Manulife customer services at 1-800-268-3763 to inquire about cancelling your plan.

If you prefer to keep hard copies of your documentation then you can download the form below. Fill it out with your details and your reason for cancelling and mail it to the appropriate address.

Then mail it to:

Can I get Manulife travel health insurance?

You will have to check your specific plan to know if travel insurance is included. Travel insurance is a wise investment because provincial health insurance plans cover less once you are out of your home province. This means expenses can quickly escalate out of control if you become unwell or suffer an accident while travelling. If you are travelling abroad then you may not have any access to any health care services at all without having an insurance plan in place. In some countries, such as the USA, you will have to pay upfront for any medical treatment that you need.

if you are not already protected, you can either purchase a travel add-on to your health insurance policy or buy Manulife travel insurance as a separate insurance policy.

What are the best alternatives to Manulife health insurance?

In order to help you compare health insurance deals, we have included a quick summary of competitors below.

Our Blue Cross health insurance review: the most flexible choice

Blue Cross offers several plans that can include health benefits, drug, and dental coverage for you to choose from depending on what your health insurance needs are. Blue Cross provides an easy-access online portal which includes easy access to your benefit information and allows you to submit a claim online. Their plans allow for the optional add-ons of services such as critical illness coverage and hospital expenses.

Blue Cross private health insurance is intended for people who do not have access to a private group insurance plan, or if they would like additional benefits not offered by their employer’s or province’s health and drug coverage such as dental or medication-only coverage. For freelancers, there is the Blue Cross health insurance self-employed package. Blue Cross student health insurance is an affordable package for those in higher education or those who have recently graduated.

Our CAA health insurance review: the best bundling discounts

The CAA, or the Canadian Automobile Associate, was founded more than 115 years ago. It is one of the largest not-for-profit automobile associations in Canada. It has been helping Canadians with a wide variety of products related to automobile services, but also offers insurance packages, including private health insurance. CAA health insurance has partnered with Manulife for over 20 years, allowing them to offer pre-packaged plans mix and match plans tailored to your specific health needs.

They have a 30-day guarantee where if you are not satisfied with the coverage you purchased, you may request a refund within 30 days of receiving your policy. CAA health insurance is a choice for you if you do not have health benefits through your employer, you are losing your group coverage, or if you would like to mix and match prescription and dental coverage. Note that you must have provincial or territorial health and drug coverage to apply for personal health insurance

Our Canada Life health insurance review: the best guaranteed policies

Canada Life offers a variety of levels of health insurance, all with differing levels of coverage which are designed to suit your needs, including prescription drugs, dental care, vision care and more.

They have comprehensive optional add-ons for you to further personalize your health plan. They also offer a ten-day look-and-see period. You can cancel your policy with no penalty during the first ten days.

Canada Life health insurance is a choice for you if you do not have health benefits through your employer, you are losing your group coverage, or if you would like additional benefits not offered by your employer’s or province’s health and drug coverage. Note that you must have provincial or territorial health and drug coverage to apply for personal health insurance.

Our Desjardins health insurance review: the most inclusive choice

Desjardins is a leading provider of insurance in Canada. Desjardins health insurance can be bundled with other insurance policies in order to save money. Compared to competitors, Desjardins premiums are slightly higher however they offer a wider range of coverages. That said, in some ways the company is behind some of its competitors as it does not offer the ability to sign up for a policy online.

Our GMS health insurance review: the best online option

GMS health insurance offers plans ranging from basic coverage to comprehensive, all of which have the option to add dental benefits and/or drug benefits. With GMS, you will be able to tailor a plan to fit your health needs.

They have a comprehensive online portal, My GMS, which allows for easy access to your benefit information and the ability to submit a claim online. Their travel insurance for certain plans automatically adds COVID treatment coverage.

GMS health insurance is a choice for you if you do not have health benefits through your employer, starting your own business, or if you would like additional benefits not offered by your employer’s or province’s health and drug coverage.

Make sure you find the right health insurance for you.

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