Manulife CoverMe
CoverMe™ Critical Illness Insurance Plan Key Benefits

The CoverMe Critical Illness plan offers extra help and peace-of-mind while you're on the road to recovery.

Here are some of the key benefits that the plan has to offer:

$25,000, $50,000 or $75,000 lump sum benefit

Paid directly to you, to spend any way you please. Pay medical expenses not covered by your government health insurance plan, retrofit your home, alleviate debt, travel.

Comprehensive coverage

The CoverMe Critical Illness plan covers five of the most common critical illnesses and conditions - Cancer, Heart Attack, Stroke, Coronary Bypass surgery and Aortic surgery.

No medical questionnaire required

You are eligible to apply for this valuable coverage if you are between the ages of 18 and 65 years and are a Canadian resident. Best of all, completion of a medical questionnaire is not required. A declaration of your good health is all that's needed.

Health Service Navigator®*

With Health Service Navigator®, you and your eligible family members can quickly and easily get answers to your questions and access to support services. One simple call to a dedicated toll-free line and you will be connected to Health Service Navigator where you can receive information, medical coordination services and resources on how to navigate the Canadian health care system. And, if you want a second opinion from a world-class hospital, Health Service Navigator will help you get it.

* As Health Service Navigator is a service provided by a third party, Manulife cannot guarantee its continuing availability and reserves the right to replace the service provider or discontinue the service at any time.

Return of Premium Option

When you purchase the CoverMe Critical Illness plan with the Return of Premium Option and you reach your 75th birthday without making a claim, Manulife will reimburse all the premiums you paid – up to 100% of your benefit amount. That means you could receive up to $25,000, $50,000 or $75,000 depending upon the coverage you purchase!

Guaranteed renewable

Your CoverMe Critical Illness coverage is guaranteed renewable up to age 75, regardless of any changes in your health.

Affordable premiums

CoverMe Critical Illness monthly premiums are based on your age, gender and smoking status, so the younger you are when you apply the lower your premiums will be. And because your premiums are guaranteed not to increase for the first five years, this coverage is easy to plan for.

And, when Manulife receives and approves your application form, you'll be eligible to receive your first month of CoverMe Critical Illness coverage free of charge!

Healthy savings for non-smokers

Non-smokers enjoy up to 50% savings on their premiums, compared to smokers.

The opportunity to earn AIR MILES® reward miles

When you pay your premiums monthly, you have the opportunity to collect AIR MILES® reward miles every year as a CoverMe Critical Illness policyholder.

30-day satisfaction guarantee

If you're not completely satisfied, simply return your policy to Manulife within 30 days of receipt to have your coverage cancelled and your premiums refunded in full - no questions asked!

Flexible payment options

Choose the payment method that suits you best: cheque, Visa, MasterCard, American Express or direct monthly withdrawal from your chequing account by Pre-Authorized Collection.


Apply in the comfort of your home, when it's convenient for you.

From a company you can trust

The CoverMe Critical Illness insurance plan is offered through Manulife (The Manufacturers Life Insurance Company), one of Canada's oldest and largest insurance providers. We've been earning the trust of Canadians for more than 120 years; we look forward to earning yours.