EGE Insurance Canada
Group Benefits Administrator
Underwritten by
🏦 Manulife
Comprehensive group benefits.
Built for Canadian business.
Built for Canadian business.
Health, dental, life, and wellness coverage for business owners, incorporated professionals, and small teams — underwritten by Manulife.
Core Coverage
Prescription Drugs
$5,000 / year
80% co-insurance · Pay Direct drug card · Generic / MAC formulary · No per-prescription deductible
Drug card included
Dental — Basic Services
$1,500 / year
80% co-insurance · Cleanings, fillings, extractions · Recalls every 6 months · Current fee guide
6-month recalls
Vision Care
$400 / year
100% co-insurance · Glasses & contact lenses · 1 eye exam per 2 years included
FYidoctors discount
Paramedical Services
$500 / practitioner
80% co-insurance · Physiotherapy · Chiropractic · Massage · Psychology · Acupuncture · Naturopath · Osteopath · Speech therapy · Social worker
Hospital
Semi-private
100% co-insurance · Semi-private room accommodation during any hospital stay
Private Duty Nursing
$10,000 / year
100% co-insurance (pooled) · In-home private nursing care when medically required
Out-of-Country Emergency
$5,000,000 lifetime
60-day trip duration · Emergency medical outside Canada · Trip cancellation insurance included
Trip cancellation included
Medical Supplies
80% co-insurance
Orthotics $400/3 yrs · Orthopaedic shoes $150/yr · Hearing aids $500/5 yrs · Surgical stockings $400/yr · Wigs included · Accidental dental unlimited
Life Insurance & AD&D
$100,000
Basic life + accidental death & dismemberment · Enhanced Plan II — rehabilitation, repatriation, family transportation, dependent education
Immediate on hire
Included at No Extra Cost
Employee & Family Assistance (EFAP)
Unlimited short-term counselling · Key person advice line · Elder & family care service · Trauma response · Online resources
Medical Second Opinion
Expert review of diagnoses and treatment plans for physical and mental health conditions — for members, dependants, and their physicians
Manulife Mobile App
Submit claims, view benefit card, access health programs and rewards — all from your phone
Vision Care Partnership
Negotiated discounts at FYidoctors®, BonLook®, and Visique® to stretch your $400 vision benefit further
Optional Add-Ons
Healthcare Online — Virtual Care · $3.55 / member / month
24/7 access to Canadian doctors via TELUS Health Virtual Care · Diagnoses, prescriptions, lab orders, specialist referrals · French or English · Phone or computer
Personal Critical Illness · rates by age & gender
Up to $150,000 coverage · 22 medical conditions covered · Optional per plan member independently · Child coverage available ($10,000)
Waiting Period — New Employees
A 3-month waiting period from hire date applies to all benefits for new employees, as required by Manulife. Existing employees at the time of group enrolment have no waiting period. Please communicate this to new hires at onboarding.
✓ 1 employee minimum
✓ No HST charged
✓ Online claims submission
✓ Termination age 65
✓ Dependants eligible
✓ Survivor benefit 24 months
✓ Mobile app claims
✓ Annual or monthly billing
