Applying for Coverage
Once you have chosen which plans you would like to apply for, follow these steps to ensure your application is processed quickly.
If you have questions about or need help completing your application, we are here for you and happy to assist. Please contact:
Evidence of Good Health
To qualify for member Term Life Insurance and Spouse’s Life Insurance, you will need to show evidence that you are in good health. Coverage will take effect once you are approved by the insurance company.
Evidence of good health is not required for insurance purchased by Residents through the PARIM program.
Medical requirements are based on age and the amount of coverage requested, and may include some or all of the following: vitals, urinalysis, blood profile, ECG and an Attending Physician’s Statement. If you have not had a medical examination within the last two years, Canada Life (the insurer) may request a paramedical exam. You will be advised of the specific tests required upon receipt of your application. Canada Life pays for all medical tests.
For most types of insurance, you will be required to provide evidence that you are in good health, except for insurance purchased by Residents through the PARIM program. See the Evidence of Good Health section for information on Medical Requirements.
Coverage takes effect on the date the application is approved by the insurance company.
Coverage takes effect on the first of the month following the date your application is approved by the insurance company.
You will be invoiced for any premium due once your application has been approved.
If you apply part way through the policy year of June 1 – May 31, premiums are prorated based on the number of full months remaining.
1. Make sure your application is complete
If your application is missing information, a copy will be returned to you for completion. If you’re unsure about how to complete any part of it, please get in touch with us and we can help.
2. Submit any information requested by the insurer
Automatic Medical Requirements:
You may be required to complete medical requirements based on your age and the type and amount of insurance for which you are applying. If medical requirements are necessary, the insurer’s paramedical service will contact you to arrange an appointment.
Additional Medical and/or Financial Requirements:
You may be required to submit additional financial and/or medical information. Doctors Manitoba and/or the insurer will inform you if additional information is required.
If the insurer does not receive all requirements from you within 6 months of the date of application, your application will be withdrawn. If you still want the insurance coverage, you may be required to submit a new application form and repeat the application process.
3. Review the insurer’s decision
If your application for coverage is approved, Doctors Manitoba’s Insurance Department will send you a letter of approval and a certificate of coverage.
If your disability coverage is approved with amendments or exclusions, you will also receive amendment/exclusion forms that you must sign and return to the insurer before your coverage takes effect. Amendments and exclusions allow the insurer to issue insurance coverage to applicants with, for example, pre-existing medical conditions. You have 30 days to return any required forms along with your initial premium.