FollowMe™ Health

In addition to any other exclusions set out in the policy that you receive, the FollowMe Health Insurance plan cannot pay benefits for:

1. charges resulting from self-inflicted injury while sane or insane;
   
2. charges that are eligible for payment by a government health insurance plan or reimbursement by a manufacturer rebate program;
3. charges for care, services or supplies that are for cosmetic purposes, except when in connection with reconstructive surgery to repair or replace tissue damaged by disease or bodily injury;
4. charges for drugs, tests, services, treatment or supplies that are not medically necessary, or which are experimental as determined by the insurer;
5. charges that are deemed excessive by Manulife, relative to the usual, reasonable and customary charges in your area of residence;
6. charges for hospitalization if the person is confined in a hospital on the effective date, except when the confinement is due to an emergency occurring after the application date;
7. charges for services, equipment and supplies provided in a chronic care or psychiatric hospital or institution, chronic care unit of a hospital, psychiatric unit of a hospital or when a patient is confined to a long-term care facility or a transition ward of an acute hospital;
8. charges incurred for which payment under this plan is illegal;
9. charges for duplicate or replacement prosthetic appliances, devices or durable medical equipment, except where replacement is required because the existing item can no longer be made serviceable due to normal wear, or as a result of a change in the patient’s condition that makes a replacement necessary;
10. charges for eligible services provided outside your province or territory of residence, if they are more than Manulife would have paid for such services if they were provided in the province or territory of residence, determined as of the date the last service was provided outside the province or territory of residence;
11. charges resulting from care, services or supplies due to sickness or injury resulting from war, invasion, acts of foreign enemies, hostilities, warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power, hijacking, any act of terrorism or any action taken in controlling, preventing or suppressing any of the foregoing, including claims which are as a result of or in any way connected or associated with such events or causes and regardless of any other cause or event contributing concurrently or in any other sequence thereto. For the purpose of this exclusion, "act of terrorism" means an act including, but not limited to, the use of force or violence and/or the threat thereof, by any person or groups of persons, whether acting alone or on behalf of or in connection with any organization or government, committed for political, religious, ideological, or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear, or an act that has been determined by the appropriate federal authority to have been an act of terrorism;
12. charges or benefits, in full or in part, that are removed from government coverage after the effective date of this plan;
13. charges for drugs, medicines, services or supplies that have been self-prescribed, or prescribed by or for family members;
14. charges resulting from medical conditions or ailments that were deemed to be excluded in the counter-offer letter you signed and accepted, if you were asked to sign one;
15. charges for hospitalization due to pregnancy or pregnancy-related conditions, if on the application date of the policy, the policyholder is twenty-one (21) weeks pregnant or greater. However, benefits are payable if the policyholder is less than twenty-one (21) weeks pregnant on the application date, in which case Manulife will cover a maximum of two (2) days of hospitalization if hospitalization is a result of the pregnancy or complication of the pregnancy.

You can upgrade by phone by calling one of our Licensed Insurance Advisors at 1-866-707-4922 from Monday to Friday 8am – 8pm ET.

You can change your Payment Method on-line. We have made it easy for you to pay your premiums by cheque, credit card, or directly from your chequing account by Pre-Authorized Debit (PAD).

You can change your address on-line at any time by completing our Address Change form.

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.

Our dedicated and informed Customer Service Representatives are available to answer your questions or assist you with this coverage Monday through Friday from 8am – 8pm ET. Simply phone us toll-free at 1-866-707-4922. 

Please refer to our Contact us page for details. Please do not include any credit card account numbers in your email message to us.