Eligibility

You are eligible if you are a member of the Doctors Manitoba, an affiliate or a clinic manager under age 70.

You can also purchase voluntary accident insurance for your spouse (if under age 70) and unmarried dependent children. Unmarried children are those under age 21, or under age 25 if in full-time attendance at a university, college, or trade school.

Member Only Plan

  • purchase insurance in units of $10,000 to a maximum of 50 units ($500,000)
  • premiums cost $3.72 per year (plus tax, where applicable) for each $10,000 unit of insurance*
    • for example, if you want $250,000 (25 units) of coverage, the cost would be $93.00 per year (25 units X $3.72)
  • the principal sum is the amount of insurance you choose to purchase

Member and Family Plan

  • purchase insurance in units of $10,000 to a maximum of 50 units ($500,000)
  • premiums cost $5.40 per year (plus tax, where applicable) for each $10,000 unit of insurance*
    • for example, if you want $250,000 (25 units) of coverage, the cost would be $135.00 per year (25 units X $5.40)
  • the principal sum for you (the member) is the total amount of insurance you choose to purchase
  • the principal sum for your spouse is equal to 50% of the member’s principal sum
  • the principal sum for each dependent child is equal to 15% of the member’s principal sum, to a maximum of $50,000 per dependent child
    • for example, if you purchased $100,000 of accident insurance under the Member and Family Plan, your spouse has coverage of $50,000 and your dependent children each have coverage of $15,000 (maximum amount of coverage)
  • if a husband and wife are both physicians paying dues to Doctors Manitoba:
    • they may both enrol, with one member electing the Member Only Plan and the other electing the Member and Family Plan with Dependent children only
    • the member who does not enrol is considered the spouse to be insured under the Member and Family Plan

*Retail sales taxes are calculated based on the premiums applicable to those members of the Doctors Manitoba who reside and/or report for work in Ontario and Quebec. They are not included in the above premiums.