EGE Insurance Canada · Group benefits

Underwritten by Manulife

Comprehensive group benefits. Built for Canadian business.

Health, dental, life, and wellness coverage for business owners, incorporated professionals, and small teams – underwritten by Manulife.

No HST (Ontario applies 8% retail sales tax to group premiums)
Pay Direct Drug Card
Online Claims
1 Employee Minimum
Dependants Eligible

5.0Google reviews

Core Coverage

Prescription Drugs

$5,000 / year

80% reimbursement · Pay Direct drug card · Generic / MAC formulary · No per-prescription deductible

Drug card included

Dental – Basic Services

$1,500 / year

80% reimbursement · Cleanings, fillings, extractions · Recalls every 6 months · Current fee guide

6-month recalls

Vision Care

$400 / year

100% reimbursement · Glasses & contact lenses · 1 eye exam per 2 years included

FYidoctors discount

Paramedical Services

$500 / practitioner

80% reimbursement · Physiotherapy · Chiropractic · Massage · Psychology · Acupuncture · Naturopath · Osteopath · Speech therapy · Social worker

Hospital

Semi-private

100% reimbursement · Semi-private room accommodation during any hospital stay

Private Duty Nursing

$10,000 / year

100% reimbursement (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% reimbursement

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

Ready to Set Up a Plan for Your Team?

EGE Insurance advisors design group plans around your headcount, industry, and budget, underwritten by Manulife.

Group benefits cs@egeinsure.ca Underwritten by Manulife – The Manufacturers Life Insurance Company

This document is a summary for informational purposes only. All benefit entitlement is governed by the Manulife Group Benefits Master Policy. EGE Insurance Canada is the plan administrator – not the insurer. Claims are paid exclusively by Manulife.

Talk to an advisor Schedule a call

cs@egeinsure.ca · Monday to Friday 9 am to 8 pm, Saturday 9 am to 5 pm