Your Group Benefits. On settlement or judgement of your legal action, you will be required to reimburse Manulife Financialthose amounts you recover which, when added to the payments you received from Manulife Financial, exceed of your incurred expenses.
Your Group Benefits the quantity prescribed by your physician or dentist, or a day supply. charges, in excess of the hospital’s public xxxx charge, for semi-private accommodation, provided: the person was confined to hospital on an basis, and the accommodation was specifically elected in writing by the patient confinement in a convalescent care facility which starts within days of discharge from a hospital, up to a maximum of days per disability charges for any portion of the cost of xxxx accommodation, utilization or fees (or similar charges) are not covered
Your Group Benefits drugs per lifetime All other covered drug expenses Unlimited Payment of Covered Expenses Payment of your covered drug expenseswill be subject to any Drug Deductible,any Drug Dispensing Fee Maximum and the Co-insuranceof Covered expenses for any prescribed drug or medicine will not exceed the price of the lowest cost generic equivalent product that can legally be used to fill the prescription, as listed in the Provincial Drug Benefit Formulary. If there is no generic equivalent product for the prescribed drug or medicine, the amount covered is the cost of the prescribed product.
Your Group Benefits purchase and fitting of prescription glasses or elective contact lenses, as well as repairs, or elective laser vision correction procedures, to a maximum of during any calendar if contact lenses are required to treat a severe condition, or if vision in the better eye can be improved to a level with contact lenses but not with glasses, the maximum payable will be during any calendar visual training, to a maximum of per Services provided by the following licensed practitioners: Chiropractor per visit to a maximum of per calendar Osteopath per visit to a maximum of per calendar Podiatrist per visit to a maximum of per calendar Massage Therapist per visit to a maximum of per calendar Naturopath per visit to a maximum of per calendar Speech Therapist per visit to a maximum of per calendar Physiotherapist per visit to a maximum of per calendar Psychologist initial visit, subsequent visits, to a maximum of per calendar The maximumfor each specialty includesone x-ray ($25maximum)per calendar year. Expenses for some of these ProfessionalServices may be payable in part by Provincial Plans. In those provinces, expenses under this Benefit Program are payable only after the Provincial Plan’s maximum for the benefit year has been paid. Recommendation by a physician for Professional Services is not required.
Your Group Benefits. Exclusions of Coverage
Your Group Benefits. You will be considered disabled if you are eligible for disability benefits under any other provision of this Group Benefit Program. Your dependent will be considered disabled if he or she is receiving medical treatment from a physician and confined to a hospital or to his or her home.
Your Group Benefits the portion of covered drug expenses that is paid by an insured person, when the percentage of covered expenses payable under this benefit is less than The annual out-of-pocket maximum for you and your spouse is each, including those portions of covered drug expenses paid for your dependent children. For the purposes of calculating the out-of-pocket maximum for you and your spouse, those portionsof covered drug expenses paid for your dependent childrenwill be applied to the person who is closest to reaching the annual out-of-pocket maximum.
Your Group Benefits are incurred for the necessary dental care of an insured person while insured under this benefit are incurred for services provided by a dentist, a dental hygienist working under the supervision of a dentist, or a working within the scope of his license are reasonable as determined by Manulife Financial, taking all factors into account, and do not exceed the fees recommended in the Dental Fee Guide, or reasonable and customary charges as determined by Manulife Financial, if the expenses are not listed in the Dental Fee Guide.
Your Group Benefits non-prescription drugs and supplies required for the treatment of diabetes (excluding automatic jet injectors or similar equipment) preventive vaccines (oral or injected) the administration of serums, vaccines, or injectable drugs drugs, biologicals and related preparations which are intended to be administered in hospital on an in-patient or out-patient basis and are not intended for a patient's use at home drugs used in the treatment of a sexual dysfunction
