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How to apply:

  1. Complete the form below including the banking information and attach a void cheque from the personal account you would like the premiums to be deducted. Do not use a line of credit account.
  2. Submit the completed Application.

Section 1: Student Information

You must be under the age of 50 to qualify.
  • Please Select
  • She/Her
  • He/Him
  • They/Them
  • He/They
  • She/They
  • She/He/They
  • They/He
  • They/She
  • Xe/Xem
  • Ze/Zir
  • *Add new pronoun/Other

Race, Ethnic or Indigenous Identity

Which of the following best describes your racial, ethnic and Indigenous identity? You can select one or multiple options. If you're unsure, please click here for descriptions.

  • Please Select
  • 1
  • 2
  • 3
  • 4
Please indicate your smoking status. Non-smoker rates apply to people who have not used any form of tobacco or tobacco cessation products, including e‑cigarettes in the past 12 months.

Section 2: Insurance Coverage Applied For

Student Disability Income

Available to Medical Students at the University of Manitoba only!

  • Elimination Period - 90 days
  • Benefit Period - to age 65
The amount must be a multiple of $100.
The amount must be a multiple of $100.
The amount must be a multiple of $100.

Coverage amounts do not automatically increase each year. You must apply to increase coverage. 

To apply for the Cost of Living Adjustment (COLA) rider, you will need to apply with proof of good health. To apply for the COLA rider, please contact our insurance team. 

Doctors Manitoba Insurance Team

P: 204-985-5888 

E: insurance@doctorsmanitoba.ca  

Section 3: Pro-rated Premium Calculation

Coverage Effective December 1st. The premiums listed below includes tax and reflect coverage from December 1st to May 31st of next year.
MALE Under Age 30 Age 30–39 Age 40–49
Coverage Non-Smoker Smoker Non-Smoker Smoker Non-Smoker Smoker
Med 1 ($1,500) $115.24 $124.84 $144.05 $158.45 $249.68 $273.69
Med 2 ($1,500) $115.24 $124.84 $144.05 $158.45 $249.68 $273.69
Med 3 ($2,500) $192.06 $208.07 $240.08 $264.08 $416.13 $456.14
Med 4 ($4,000) $307.30 $332.90 $384.12 $422.53 $665.81 $729.83
FEMALE Under Age 30 Age 30–39 Age 40–49
Coverage Non-Smoker Smoker Non-Smoker Smoker Non-Smoker Smoker
Med 1 ($1,500) $139.24 $148.85 $182.46 $196.86 $297.69 $331.30
Med 2 ($1,500) $139.24 $148.85 $182.46 $196.86 $297.69 $331.30
Med 3 ($2,500) $232.07 $248.08 $304.10 $328.10 $496.16 $552.17
Med 4 ($4,000) $371.32 $396.92 $486.55 $524.96 $793.85 $883.48
The Disability Insurance plan renews June 1st of every year. You will receive an annual renewal invoice in May of every year.

Authorization and Consent

To review the Authorizations and declarations with respect to the Disability Insurance policies noted above, click here.