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Chances are, the cost of everyday health care won’t ruin you financially. The escalating expenses associated with a catastrophic accident, a chronic medical condition or a critical illness, on the other hand, could do just that. That’s where your CA Select™ Catastrophic Health Insurance comes into play. It’s like having an emergency back-up fund when medical bills get out of hand.
CA Select Catastrophic Health Insurance will "top up" your existing health insurance and/or CA Select™ Critical Illness Insurance coverage. If you don’t have private insurance coverage, the CA Select Catastrophic Health Insurance Plan can help protect your assets from being drained by significant medical costs.
You continue to cover your health care costs as usual, through an existing health plan or out of your pocket. But when your expenses grow to exceed the preset maximums, CA Select Catastrophic Health Insurance kicks in to help you cover the remainder of your medical bills!
You, your spouse and your adult children, aged 21 to 64, are eligible to apply for coverage – and stay covered for life.
An individual who is covered (or applying for coverage) under this Plan can apply to extend coverage to their dependent children aged 0 to 20 years, as well. All applicants must be covered under a government health plan. Coverage is not available to members who reside in Quebec or Bermuda.
CA Select Catastrophic Health Insurance pays the following benefits: More |
Benefits | When
Benefits Are Paid | How Much
Benefit Is Paid | What the Limits Are |
Prescription
Drugs | After the first
$4,500 in
eligible expenses
have been paid | 100%
of remaining
eligible
expenses | Per anniversary
year |
Homecare / Private Nursing, Durable Medical Equipment, Prosthetic Appliances | After the first
$7,500 in
eligible expenses
have been paid | 100%
of remaining
eligible
expenses | Maximum
$25,000 per
anniversary year.
Lifetime maximum
of $100,000. |
Physiotherapy / Chiropractor | Immediately upon
receiving proof of
an accident
requiring 24-hour hospitalization | 100%
of eligible
expenses | Coverage will
continue for 12
consecutive months following the date
of the accident
requiring 24-hour hospitalization |
Benefit payments are coordinated with payments by your existing insurance, including your government health plan. The total payments you receive will not exceed 100% of the eligible expenses you incur.
Prescription Drug Benefit
- Unlimited coverage up to 100% after your drug costs exceed $4,500 per Anniversary Year.*
- To satisfy the deductible and for reimbursement, covered charges include eligible brand-name or generic drugs and medicines, sera and insulin** (but exclude smoking cessation drugs, fertility drugs, over-the-counter drugs, and drugs that don’t require a prescription).
- Drugs covered by a provincial health plan are not eligible under this plan.
Homecare and Nursing, Durable Medical Equipment and Prosthetic Appliances Benefits
- Up to $25,000 per year when annual costs exceed $7,500 per Anniversary Year.*
- Lifetime maximum of $100,000.
Chiropractor and Physiotherapist Benefits
- Unlimited coverage up to 100% for one full benefit year following the date of an accident requiring a 24-hour hospital stay.
* Anniversary Year means each successive 12-month period following the effective date of the policy. For insured individuals resident in British Columbia and Saskatchewan, the Prescription Drug Benefit refers to the Calendar Year.
** Includes all drugs listed in Manulife Financial’s Formulary. |
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 Best Doctors® Inc. Care Management Services
Coverage That Goes Where You Go
Coverage You Can Keep for Life
Coverage for Your Children and Grandchildren
If you are self-employed or own your own business, the premiums you pay for CA Select Catastrophic Health Insurance may qualify as tax-deductible business expenses under Canada Revenue Agency (CRA) guidelines or you may be able to claim them as medical expenses on your personal income tax return.
When any two adults apply for coverage at the same time, they could save up to 17% per person, thanks to the special Couple Rate!
See the rates that apply to you.
| All applicants for CA Select Catastrophic Health Insurance must be 21 to 64 years of age, be resident in Canada but not resident in Quebec, and be covered under a government health plan. More |
To apply, you must be a Member of one of the Institutes of Chartered Accountants of Ontario, New Brunswick, Prince Edward Island, Newfoundland and Labrador, or Nova Scotia. Your spouse (to whom you are legally married or with whom you had cohabited in a conjugal relationship for at least 12 consecutive months) and your adult children (who are over age 20) may also apply.
Anyone covered by (or applying for) CA Select Catastrophic Health Insurance can apply to extend coverage to their dependent child(ren). A dependent child means a child of the insured who is listed on the application; is a natural child, adopted child, stepchild, foster child or a child for whom the insured is by law responsible; is unmarried, unemployed and dependent on the insured for financial support; and is under 21 years of age. |
| Limitations and Exclusions |
| Any benefits paid to individuals covered under CA Select Catastrophic Health Insurance are subject to the following limitations and exclusions: More |
Benefits are not payable for:
- charges which result, directly or indirectly, from – or are in any manner or degree associated with or occasioned by – any self-inflicted injury while sane or insane;
- charges which are payable under any government health insurance plan or available manufacturer rebate program;
- charges for care, services or supplies which are for cosmetic purposes, except when in connection with reconstructive surgery to repair or replace tissue damaged by disease or bodily injury;
- charges for drugs, tests, services, treatment or supplies which are not medically necessary, or which are experimental as determined by the insurer;
- charges in excess of those deemed by the insurer to be usual, reasonable and customary charges in the geographic region of the insured’s residence;
- charges for hospitalization;
- charges for services, equipment and supplies provided in a chronic care or psychiatric hospital or institution, chronic care unit of a hospital, or psychiatric unit of a hospital – or when a patient is confined to a long-term care facility or a transition ward of an acute care hospital;
- charges incurred for which payment under the policy is not permissible by law;
- 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 pathological change in the patient’s condition;
- charges for eligible services provided outside the province or territory of residence of the insured which are in excess of the amount the insurer 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;
- charges incurred for 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;
- charges or benefits, or part thereof, which, after the effective date, cease to be payable under any government program;
- charges for drugs, medicines, services or supplies which have been self-prescribed, or prescribed by or for family members; or
- charges incurred in relation to medical conditions or ailments as specified in the counteroffer letter signed and accepted by the insured, where applicable.
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