How to Apply

How to Apply

To apply for coverage, complete an application form available in the Forms Library.

You must provide evidence of good health according to the following medical requirements.

Coverage takes effect on the 1st of the month following the date the insurance company approves your application.

Completed application forms and the appropriate premium cheque made out to Doctors Manitoba should be forwarded to the Doctors Manitoba office. Payments can also be made by pre-authorized deduction from your bank account.

If you apply part way through the policy year, June 1 – May 31, premiums are pro-rated based on the number of full months remaining.

Medical Requirements

Doctors Manitoba will advise you of the medical requirements upon receipt of your application. The cost of any medical and blood chemistry profiles is borne by the insurance company.

Medical requirements vary based on your age and the level of coverage you request.

To determine the medical requirements, add 50% of your existing and new coverage amounts. The total of these coverage amounts is used to determine your medical requirements, as shown in the following chart:

 

Age Coverage Medical Requirement
Up to age 50: Up to $2,000 No automatic requirements
$2,001 – $3,500 Non-medical, urine HIV
$3,501 – $5,000 Paramedical, blood profile, urinalysis
$5,001 – $8,000 Paramedical, blood profile including hepatitis B & C testing, urinalysis
$8,001 – $10,000 Paramedical, blood profile including hepatitis B & C testing, urinalysis, inspection
Over age 50: Up to $2,000 Paramedical
$2,001 – $5,000 Paramedical, blood profile, urinalysis
$5,001 – $8,000 Paramedical, blood profile including hepatitis B & C testing, urinalysis, ECG
$8,001 – $10,000 Paramedical, blood profile including hepatitis B & C testing, urinalysis, ECG and inspection

How to Make a Claim

In the event of disability, contact Doctors Manitoba for appropriate claim forms.