The combined maximum for practitioner coverage is $1,800 per year.

For each visit, you pay a co-pay of $10.00. There is no fee if you are visiting practitioners who provide counselling therapy, namely, psychologist, counselling therapist and social worker.
Services are reimbursed at a reasonable and customary (R&C) level.  Any amount over this is not covered.

Paramedical practitioners must be licensed and certified within their respective fields of expertise, and validated/registered with Manulife.

The Plan covers up to the maximum in each calendar year for the combined services of a:

  • Acupuncturist
  • Chiropractor
  • Chiropodist or Podiatrist
  • Counselling Therapist
  • Homeopath
  • Massage Therapist
  • Naturopath
  • Occupational Therapist
  • Osteopath
  • Physiotherapist
  • Psychologist
  • Dietician
  • Social Worker
  • Speech Therapist

The Plan does not cover charges for any treatment performed in a hospital or that are covered under your provincial health plan.


Manulife’s Reasonable and Customary (R&C) level is established based on fees that are generally charged in the area in which the service/treatment is rendered. If you have any questions on the reasonable and customary limit, please contact the Manulife Customer Service Centre toll-free at 1-855-626-4267.