Is your fam_ly’s health r_utine miss_ng som_thing?
What’s missing is
prevention
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A_e you mak_ng mental heal_h a prior_ty?
Mental health affects physical health. Treating mental health issues can help prevent digestive issues, fatigue, insomnia and substance abuse.†
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Ca_ old prescripti_n ey_wear cause headach_s?
Regular eye exams and current eyewear can not only improve your vision, but help prevent headaches and detect early signs of heart disease and diabetes.††,†††
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Do you ha_e period_c dental clea_ings each yea_?
Avoiding the dentist’s office could land you in the doctor’s office. Good oral care can help prevent heart disease, pre-term births and more.±
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If prevention isn’t part of your family’s health routine, you’re missing something. Prevention can help avoid some health issues and identify others before symptoms appear. Alumni Health & Dental Insurance can help you incorporate prevention and save on medical expenses not covered by your government health insurance plan, like:

  • dental care
  • prescription drugs
  • vision care
  • mental health therapy
  • massage and physiotherapy
  • emergency medical travel

Plus, take advantage of the price freeze.

Find the plan that’s right for you.

Premiums displayed are monthly.

Base Plan

All the basic extended health care benefits, with slightly lower coverage amounts than our other plans. Plus – it’s guaranteed coverage!1

$ XX.XX

Bronze Plan

All the basics of health and dental insurance, with higher allowances than the Base Plan in many cases – including increased travel medical coverage.

$ XX.XX

Silver Plan

Includes coverage you won't find in the Base or Bronze Plans, such as hospital benefits.

$ XX.XX

Gold Plan

All the coverage you'll find in our other plans – with increased coverage amounts that can help put more money back in your pocket! Also includes coverage for orthodontics.2

$ XX.XX
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Read more about health and dental

Ways to be proactive about your health care…

Read more

Why skipping the dentist's office could land you in the doctor's office…

Read more

How to take care of your mental health…

Read more

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Alumni Term 10
Life Insurance

You can cut back on a lot.

But never cut back on protecting your loved ones.

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Base Plan Bronze Plan Silver Plan Gold Plan
Dental Services
  • Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic, and select extractions
  • 70%
  • 70%
  • 80%
  • 80%
  • Reimbursement on extensive services including endodontics, periodontics and denture repairs
  • 70%
  • 70%
  • 80%
  • 80%
  • Reimbursement on crowns, bridges, dentures and orthodontics
  • n/a
  • n/a
  • n/a
  • Year 1 & 2: 0%; Year 3 & beyond: 60% ($800 maximum every 2 consecutive years)
  • Anniversary year maximums
  • $400 per year
  • $500 per year
  • Year 1: $600; Year 2 & beyond: $900
  • Year 1: $750; Year 2: $1,000; Year 3: $1,200; Year 4: $1,200; Year 5 & beyond: $1,500
  • Recall visits
  • 9 months
  • 9 months
  • 9 months
  • 6 months
Prescription Drugs
Prescription drug coverage applies to costs not covered by your provincial prescription drug insurance plan, up to the maximums stated below. For Quebec residents, prescription drug 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.
  • Generic‡ vs brand-name coverage
  • Generic
  • Generic
  • Generic
  • Brand-name
  • Shared dispensing fee
  • $6.50 maximum
  • $6.50 maximum
  • $7.50 maximum
  • Covered
  • Birth control and fertility drugs
  • Birth control only
  • Birth control only
  • Birth control only
  • Birth control only
  • Reimbursement on first amount per anniversary year‡‡
  • 70% of first $750
  • 70% of first $500
  • 70% of first $500
  • 90% of first $2,222
  • Reimbursement on next amount per anniversary year‡‡
  • n/a
  • 80% of next $2,500
  • 100% of next $4,650
  • 100% of next $8,000
  • Maximum per anniversary year‡‡
  • $525
  • $2,350
  • $5,000
  • $10,000
Other Benefits
Vision Care – Covers the costs towards prescription lenses and frames and/or contact lenses. This benefit does not include industrial safety glasses.
  • $100 per 2 benefit years plus $60 for Optometrist visits per 2 benefit years
  • $100 per 2 benefit years plus $60 for Optometrist visits per 2 benefit years
  • $150 per 2 benefit years plus $60 for Optometrist visits per 2 benefit years
  • $250 per 2 benefit years plus $60 for Optometrist visits per 2 benefit years
Travel Coverage (coverage ceases at age 65) - Covers emergency hospital/medical expenses while travelling outside your province or territory of residence and access to a 24-hour worldwide medical assistance centre, up to a maximum of $5,000,000 per trip.
  • Number of trips per year
  • Unlimited
  • Unlimited
  • Unlimited
  • Unlimited
  • Maximum trip length
  • 5 days
  • 9 days
  • 17 days
  • 30 days
Survivor Benefit – Provides continuous coverage for 1 year, following the death of an adult insured
  • Available 1 year after policy effective date
  • Included
  • Included
  • Included
Registered Specialists & Therapists† – Includes visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Dietitians, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Social Workers and Speech Therapists.
  • Maximum claims paid
  • $500 combined for all specialists/therapists
  • $750 combined for all specialists/therapists
  • $1,000 combined for all specialists/therapists
  • $1,500 combined for all specialists/therapists
  • Per visit maximum
  • $25
  • n/a
  • n/a
  • n/a
  • Chiropractic X-rays
  • $35 per year
  • $35 per year
  • $35 per year
  • $35 per year
Psychologist/Psychotherapist/Social Worker
  • Maximum per first visit
  • $80
  • $80
  • $80
  • $80
  • Maximum per subsequent visit
  • $65
  • $65
  • $65
  • $65
  • Maximum visits per year
  • 10
  • 10
  • 12
  • 15
Speech Therapist
  • Maximum per first visit
  • $65
  • $65
  • $65
  • $65
  • Maximum per subsequent visit
  • $45
  • $45
  • $45
  • $45
  • Maximum visits per year
  • 10
  • 10
  • 12
  • 15
Lifeline® Personal Response Service – Provides 24-hour monitoring service for people coping with medical problems at home.
  • 3 months per lifetime
  • 3 months per lifetime
  • 6 months per lifetime
  • 6 months per 3-year period
Core Benefits
Hearing Aids – Covers the cost to purchase and/or repair up to the allowed maximum.
  • $300 per 4-year period
  • $300 per 4-year period
  • $400 per 4-year period
  • $500 per 4-year period
Ambulance Services
  • Unlimited ground and air transport
  • Unlimited ground and air transport
  • Unlimited ground and air transport
  • Unlimited ground and air transport
Lifetime Extended Health Care Maximum
  • $100,000
  • $250,000
  • $350,000
  • $350,000

‡ Generic Drug - A generally less expensive alternative to an interchangeable brand-name drug product. Please note: Not all drugs have a generic equivalent. If a non-generic drug is purchased, payment will be based on the lowest generic drug cost equivalent, if applicable. If no generic brand exists, payment of the brand-name price will be made at the co-payment level of your plan.

‡‡ Anniversary Year refers to each successive 12-month period following the effective date of your policy. For residents of British Columbia, Saskatchewan, and Québec, it is based on calendar year. Calendar Year means each successive 12-month period commencing January 1 and ending December 31.

† Benefits are only payable after yearly maximums allowed under your provincial health insurance plan have been reached, if applicable.
Premiums displayed are monthly.
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Which plan is right for you?
Help us find the right plan for you by answering
these 4 quick questions.
Is guaranteed acceptance (no medical underwriting) important to you?
How often do you require prescription drugs?
How many times a year do you visit the dentist?
How many times a year do you visit a massage therapist?
Based on your needs, we recommend the
FAQs
What is health insurance?

Health insurance covers vision, dental and medical expenses you may incur. Canadian residents have access to coverage for basic medical services through their government health plan. Supplemental health insurance plans cover expenses your government plan may not. For example, Ontario Health Insurance Plan (OHIP) does not cover eyeglasses but Alumni Health and Dental Insurance and FollowMe™ Health plans do.

I have other financial priorities. Why should Health and Dental coverage be one of them?

Without health and dental coverage, routine and unexpected health and dental expenses can be very costly. If you have a serious illness or injury, you can be especially vulnerable because government health insurance plans offer limited coverage for expenses. Health and dental coverage is an affordable way to protect your savings.

Who is eligible for Alumni Health and Dental Plans?

To get health insurance, you must meet the following requirements:

  • be a resident of Canada
  • have coverage under your government health insurance plan
  • be at least 18 years of age on the date of application for the policy, except for children of an insured person
  • Quebec residents must also be registered under the RAMQ Prescription Drug Insurance Plan or have equivalent coverage under a group plan

Note: If the plan is medically necessary or requires a medical questionnaire, you must disclose any medical condition, injury or illness that occurred or existed on or before the date of your application, regardless of whether you went to see a doctor about the condition or were given a diagnosis, or whether you believe that it is important.

When will my coverage begin?

Your coverage generally starts on the 1st of the following month for health and dental plans that offer guaranteed acceptance, and the 1st of the month after your plan is approved for health and dental plans that require a medical questionnaire.

What if I change my mind after applying for coverage?

Once you receive your Policy, examine it carefully. If you are not satisfied, simply return your Policy to Manulife within 30 days and request that your coverage be cancelled. Your premiums will be refunded in full – no questions asked!

How long do I have to submit a claim?

You have 12 months from the date you were charged for a health and dental service to submit your claim for reimbursement.

When do I need an estimate for other health and dental services?

When a proposed course of treatment is expected to cost more than $500. Get an estimate by sending us the dental benefit claim form for assessment before the procedure is done. Ask your dentist to outline the proposed treatment plan and to include x-rays if available. We will let you know how much your plan will cover.

How do I cancel my coverage?

If you ever wish to cancel your coverage, all you have to do is mail us a written notification bearing your signature. Your coverage will end beginning with the payment due date following the date on which we receive your cancellation request. If, within 30 days of first receiving your Policy or Certificate of Insurance, you return it to us along with your written and signed cancellation request, we will refund your premiums in full. In either case, please be aware that if you later choose to rejoin the plan, you must once again complete an application and meet the medical qualifications required of any new applicant. If you are unsure about cancelling your coverage, please contact us and we will try to help.

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