Manulife Financial

We understand that life can be unpredictable. When you or a loved one is hospitalized due to an accidental bodily injury or sickness, the last thing you want to worry about is money. That’s why we’re pleased to introduce the new Hospital Cash Insurance Plan. Developed at our request by The Manufacturers Life Insurance Company (Manulife Financial), with customers aged 18 to 74 in mind, the plan allows you, your spouse and dependant child(ren) to enrol for coverage that can pay you up to $300 a day for every day you are hospitalized.

The future is uncertain. That’s why it makes good sense to plan today for the extra financial coverage your family might need. The cash lump sum that the Hospital Cash Insurance Plan pays out will ensure there is money available when it’s needed most. It can help pay for a TV in your hospital room, for parking, or even to cover a potential loss of income while you are back at home and recovering.

5 Features & Benefits of the Hospital Cash Insurance Plan

Your daily benefit will be paid directly to you - to be spent however you wish
Your premiums will never increase
Your daily benefit doubles:

for hospitalization in an intensive care unit
if both you and your spouse are hospitalized at the same time
if you are hospitalized outside your province of residence, but within Canada

4 Your daily benefit triples:

for Convalescence care (home recovery)
for out of country coverage

Your first month of coverage is paid for, courtesy of Manulife Financial!

Whatever your circumstances, the cash lump sum paid out by the Hospital Cash Insurance Plan could make all the difference and give you piece of mind knowing that expenses are paid for. It’s an ideal way to get extra protection, quickly and easily.

Have piece of mind with the daily Hospital benefit
We understand that life can sometimes take an unexpected turn. That’s why we want to help. The Hospital Cash Insurance Plan will provide additional financial help, giving you the chance to focus on your own or loved ones recovery.

Affordable Premiums
Premium rates are based on the daily benefit amount for you and, if applicable, your spouse/dependent(s), and start as low as $15.95 per month. Click here to view your monthly premium rate.

How benefits are paid
From the very first day your coverage starts — and all the way to age 75 — the plan will pay your chosen daily benefit for accidental bodily injury or sickness. The daily Hospital benefit for sickness is paid after a qualifying period of three days of hospitalization.

What’s more, benefits are paid on top of and in addition to any existing hospitalization coverage you may have.

Exclusions and Limitations
Pre-existing condition means a condition, illness, injury, or symptom, diagnosed or undiagnosed, for which treatment or advice was received in the 12 months before the insurance was in force. Treatment or advice means consultation and/or care and/or service provided by a licensed medical practitioner. This includes but is not limited to diagnostic measures and prescribed drugs.

The insurance does not cover any period of hospitalization caused by or the result of a pre-existing condition. Any pre-existing condition will be covered after the insured person has been free of treatment for that condition for 12 consecutive months.

The insurance does not cover any loss or period of hospitalization directly or indirectly caused or contributed to by one or more of the following:

attempted suicide or self inflicted injury while sane or insane;
committing or attempting to commit a criminal offence or assault;
driving a vehicle with a blood alcohol level at or exceeding 80 mg or alcohol per 100 ml of blood;
war, whether declared or not, or any act of war or insurrection;
participating in professional sports, any speed contest, SCUBA diving unless the insured person holds a basic SCUBA designation from a certified school, parachuting, hang gliding, bungee jumping, skydiving or a flight accident except when traveling as a passenger on a commercially licensed airline;
normal pregnancy or childbirth (excluding complications due to pregnancy);
treatment, care or services provided for drug addiction, drug abuse, alcoholism, rehabilitation, custodial or education care whether in a hospital or otherwise, or admission to a rest home, nursing home, or convalescent home, or convalescent hospital or facility;
the use of any drug, poisonous substance, intoxicant or narcotic other than as prescribed and administered by or in accordance with the instruction of a licensed medical practitioner,
cosmetic Surgery- cosmetic Treatment or cosmetic surgery, except when necessary due to Accidental Bodily Injury.

Enrol today!
It’s easy to enrol for coverage. Simply click here to download your Enrolment Form and mail the completed form to: Simply click here to download your Enrolment Form and mail the completed form to:

MANULIFE FINANCIAL
CP 188 SUCC PLACE-D'ARMES
MONTRÉAL QC H2Y 9Z9

Send no money now.
For your convenience and with your authorization, your monthly premiums can be automatically processed by Manulife Financial through your banking or credit card account — whichever you authorize on your Enrolment Form. That means no premium due dates to remember … no extra cheques to write. (Please be sure to complete the Method of Payment portion of the Enrolment Form.) Once your Enrolment Form has been processed, your Policy Summary will be sent to you, showing the effective date of your coverage.

Our “no-obligation” guarantee
You have the right to examine your coverage and if, within the first 30 days of receiving your Certificate, you are not completely satisfied, simply return it to Manulife Financial and no premiums will be charged to you.

Need more information?

Simply call toll-free
1-866-693-7150
Monday through Friday, 8:00 a.m. to 8:00 p.m., Eastern Time.

This is only a summary, containing a brief description of the benefits and limitations of the Hospital Cash Insurance Plan. The plan is subject to certain restrictions and exclusions. All the provisions and conditions of the plan are outlined in your Certificate, which will be mailed to you after you’ve enrolled for coverage. Please refer to that Certificate for more information.