Health and dental coverage that begins when your group health benefits end

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1 Health ad detal coverage that begis whe your group health beefits ed Uderwritte by The Maufacturers Life Isurace Compay Page 1 of 5

2 FollowMeTM Health ca be your solutio. Life is full of chages. Some are plaed. Some are t Oe day, your group health pla is there, helpig you fill the icreasig gaps left by your provicial health coverage. The ext, whether through a career chage, retiremet or job loss, your beefits are goe. The you have to pay for routie medical expeses out of your ow pocket expeses such as: prescriptio drugs hearig aids chiropractic visits orthotics detal services prescriptio eyewear massage therapy ad more Plus, if a accidet or illess occurred, you d suffer a additioal drai o your fiaces. It s wise to cosider purchasig your ow health care isurace whe leavig a group health pla a pla that will follow you, o matter what path i life you take, offerig you solid, yet affordable coverage to protect you whe your group health beefits ed. FollowMe Health ca do all of this, esurig that you ad your family ca maitai may of the beefits you ejoyed uder the pla you re leavig. FollowMe Health offers coverage for a wide rage of health care services that ca be essetial to your ad your family s well-beig, such as: Page 2 of 5 Prescriptio Drugs Detal Services Visio Care Hospital Beefits

3 Plus Exteded Health Care coverage that icludes: Registered Specialists ad Therapists Homecare ad Nursig Prosthetic Appliaces ad Durable Medical Equipmet Accidetal Detal Hearig Aids Ambulace Services Lifelie Emergecy Respose Service Ad more Health Service Navigator Gives you ad your family support services ad aswers to medical questios from experts. Preferred Visio Services (PVS) Offers discouts for visio ad hearig aid products ad services through participatig optical outlets ad PVS Preferred provider Hearig Healthcare Cetres. Fracture Beefit Pays a scheduled amout depedig o which boe is fractured. If more tha oe boe is fractured i a sigle accidet, the amout payable is for the most severe fracture. Accidetal Death ad Dismembermet Provides paymet for accidetal death or dismembermet resultig from a accidetal bodily ijury occurrig withi a year of the date of the accidet. Survivor Beefit Allows covered family members to remai covered for 1 year, followig the death of a adult policyholder. FOR QUEBEC RESIDENTS ONLY: The prescriptio drug coverage available uder this pla is limited to costs ot covered by the RAMQ Prescriptio Drug Isurace Pla. It is ot iteded to be a replacemet for the RAMQ Pla. I order to be eligible for coverage uder this Pla, you must have a provicial health card ad be registered uder the RAMQ Prescriptio Drug Isurace Pla, or have equivalet coverage uder a group pla. Your acceptace is guarateed* You are eligible to apply for FollowMe Health without completig a medical questioaire or exam meaig your acceptace is guarateed if: you are a Caadia residet your participatio i a group health pla will soo ed or has recetly come to a ed due to career chage, job loss, retiremet or because you have reached the maximum age allowed by your group pla, ad you apply withi 60 days of your group health pla ed date. If your applicatio is submitted after the 60-day period, you will have to aswer medical questios. Choose the pla that s right for you. You ca decide which level of protectio best suits your eeds ad budget. So you ll pay oly for the health coverage you really wat ad eed. Here s a quick look at what s icluded i each pla: Pla Prescriptio Drugs Detal Exteded Health Care Basic $450/year Not covered $100,000/lifetime Ehaced $900/year Not covered $200,000/lifetime Ehaced Plus $900/year Year 1: $700/year Year 2: $850/year Year 3+: $1,000/year Premiere $2,000/year Year 1: $800/year Year 2: $1,000/year Year 3+: $1,500/year $200,000/lifetime $300,000/lifetime *Guarateed acceptace depedet upo receipt of first premium paymet. Page 3 of 5

4 Why choose Maulife Fiacial? We offer comprehesive health ad detal isurace plas at affordable rates, alog with friedly ad kowledgeable customer service. Established over 125 years ago, Maulife Fiacial is a leadig Caadia-based fiacial services group, servig millios of customers worldwide. Our visio is to be the most professioal fiacial services orgaizatio i the world, providig strog, reliable, trustworthy ad forward-thikig solutios for our cliets most sigificat fiacial decisios. Notice o Privacy & Cofidetiality The specific ad detailed iformatio requested o your applicatio form is required to process your applicatio. To protect the cofidetiality of this iformatio, Maulife Fiacial will establish a fiacial services file from which this iformatio will be used to process your applicatio(s), offer ad admiister services ad process claims relative to the isurace applied for. Access to the file will be restricted to those Maulife Fiacial employees, madataries, admiistrators or agets who are resposible for the assessmet of risk (uderwritig), marketig ad admiistratio of services ad the ivestigatio of claims, ad to ay other perso you authorize or as authorized by law. These people, orgaizatios ad service providers may be i jurisdictios outside Caada, ad subject to the laws of those foreig coutries. Your applicatio for the FollowMe Health Isurace Pla may be made kow to The McLea Group i order to brig other products ad services. Your coset to the use of persoal iformatio to offer you products ad services is optioal ad if you wish to discotiue such use, you may write to Maulife Fiacial at the address show below. Your file is secured i our offices or those of our admiistrator or aget. You may request to review the persoal iformatio your file cotais ad make correctios by writig to the Privacy Officer, Affiity Markets, Maulife Fiacial, P.O. Box 4213, St A, Toroto, Otario M5W 5M3. Please ote: This is ot a cotract. Actual terms ad coditios are detailed i the policy issued by Maulife Fiacial upo fial applicatio approval. It cotais importat details cocerig exclusios, coditios ad limitatios. Please review them carefully upo receipt. Please also remember that the FollowMe Health isurace pla is ot iteded to provide ad will ot provide the exact same coverage that you may have had uder your group health isurace pla. IMPORTANT INFORMATION Medically Necessary Some beefits will oly be payable if they are cosidered to be Medically Necessary. I order for ay care, service, supply or other matter to be cosidered Medically Necessary, it must be ordered to be provided to a isured perso by a physicia or registered health care professioal ad be oe which Maulife Fiacial determies is appropriate ad cosistet with the symptoms ad fidigs or diagosis ad treatmet of the isured perso s illess or ijury. It must also be provided i accordace with geerally accepted medical practice o a atioal basis, ad be the most appropriate supply or level of service which ca be provided o a cost-effective basis. Medically Uderwritte If the pla is Medically Uderwritte because your applicatio was ot submitted withi the 60-day period, you must disclose ay medical coditio, ijury or illess that occurred or existed o or before the date of your applicatio, regardless of whether you wet to see a doctor about the coditio or were give a diagosis, or whether or ot you believe that it is importat. The premium charged ad/or beefits offered could be subject to adjustmet or modificatio of coverage, or declied based o your or your family s medical backgroud. This will be determied after a evaluatio of the iformatio provided o the medical questioaire. Hospitalizatio Maulife Fiacial caot guaratee the availability of private or semi-private hospital accommodatio. Newbors Childre bor while your policy is i force are automatically added to your policy if a applicatio with appropriate paymet is made withi 30 days of birth. If applicatio is received after the 30th day followig the date of birth, medical iformatio will be required. Maximums All maximums are per perso. Ay uused portio of beefits caot be accumulated ad added to coverage i future moths or years. Acceptace Period If your pla is to be medically uderwritte ad your ad/or your family s medical history is such that a higher premium is required or that special coditios are applied to beefits (see Medically Uderwritte), you will be otified i writig prior to your decisio to accept the coverage. If at that time you decide ot to proceed with the coverage, your iitial paymet will be retured ad your applicatio cacelled. Effective Date of Coverage Coverage is effective the first day of the moth followig fial approval of the applicatio. Page 4 of 5

5 Coverage solutios from the providers you ca trust: We ve bee earig the trust of Caadias for more tha 125 years. We look forward to earig yours Health Service Navigator ad Preferred Visio Services (PVS) are offered through The Maufacturers Life Isurace Compay. Lifelie is a trademark of Lifelie Systems Ic. TM/ Trademarks of The Maufacturers Life Isurace Compay. Maulife, Maulife Fiacial, the Maulife Fiacial For Your Future logo, the Block Desig ad FollowMe are trademarks of The Maufacturers Life Isurace Compay ad are used by it, ad by its affiliates uder licese. Product may ot be available i all provices. Plas offered by The McLea Group Life Isurace Ic The Maufacturers Life Isurace Compay. All rights reserved. FM-TMG-BRO.NE 11/ Page 5 of 5

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