Health Service Navigator®

Manulife Financial understands the complexity of the

Canadian healthcare system and the impact that a

personal or family member’s health event may have on

an employee’s productivity. Health Service Navigator® is

a unique solution that will help employees take control

of the health event and resume their role as productive

contributors to their organization.

An innovative health service, Health Service Navigator

provides plan members with integrated health tips

and tools, medical condition information, resources on

how to navigate the Canadian healthcare system and

access to world-class doctors for second opinions – all

together, all the time. It’s easy to access, reliable, current

and available with the click of a mouse or a simple

phone call.

Is this just another medical secondopinion service?

There are currently no other offerings like Health Service

Navigator in the Canadian group benefits marketplace.

It is a unique product, offering comprehensive health

information for all health related concerns and a medical

second opinion service that provides assistance for a

number of serious conditions. For a minimal cost, you

can provide plan members with access to a premiere

service. Health Service Navigator is a valuable tool for

plan sponsors who are:

Concerned with escalating benefit costs.

Health Service Navigator augments a traditional health

benefits program by giving plan members tools and

resources to become better health care consumers. It’s

an inexpensive but extremely valuable addition to any

benefits program.

Interested in wellness promotion.

Health Service Navigator provides a unique solution in

Canada that’s based on Canadian health care options

and solutions. No other service provides the extensive

health care navigation component in an integrated

manner that leverages well respected information

resources. The medical second opinion service is unlike

that of other carriers, with a collaborative approach

that uses physician specialists from world-class

hospitals and institutions.

Concerned about lost productivity.

With the support of credible information, Health

Service Navigator helps employees gain a better

understanding of their situation. This can aid them in

working through personal health challenges, and

relieve them of stress and distractions that may affect

their performance or personal lives.

Looking for something new.

If you’re looking for something new and different,

Health Service Navigator is the one-of-a-kind option

that adds real value to any benefits plan.

Introducing Health Service Navigator®

While some services feature only a medical second

opinion, or an online health resource, Health Service

Navigator delivers more, providing members with access

to a member care centre to further assist them when they

or their eligible family member experience a critical,

chronic or episodic health event. The highly trained

member care centre representatives are knowledgeable,

supportive and provide compassionate assistance during a

time of need. They equip plan members with the

knowledge to make informed decisions about managing

and responding to their health event.

Trusted, reliable information resources

You’ll find an extensive amount of information, accessible

through our Plan Member Secure Site or via an easy

toll-free number. You can be sure that the tools and

resources found with Health Service Navigator are aligned

with credible and trustworthy sources. Here’s a glimpse of

what plan members will find both online and over the

phone:

Health Service Navigation

- Find a health care provider or health care facility

- Tips on navigating the healthcare system

- Provincial health guides

Health and Drug Library

- Health channels

- Conditions database

- Prescription drug library

- Natural products library

- Health news

- Health tools

- Travel health library

Chronic Conditions Centre

- Community support groups

- Disabilities

- Diabetes

- Cancer

- Asthma

- Cardiac

- Mental health

Medical second Opinion Services

- About the medical second opinion services

- Why get a medical second opinion

- How the service works

- How to obtain a medical second opinion

- Covered conditions

- Medical second opinion provider hospitals

- Frequently asked questions

As a premier health benefits manager, Manulife understandsthe importance of offering a full spectrum of products andservices to support all stages of the health continuum inorder to deliver better outcomes.

Medical Coordination Services

As part of the medical second opinion offering,

WorldCare Inc. will provide a number of services for

plan members or any eligible dependants wishing to

travel to the United States at their own expense for

medical treatment.

These services include:

Assistance identifying and selecting a WorldCare

Consortium hospital or specialist

Arranging appointments

Coordination support for any specialized transportation

needs

Meeting any special requirements, such as cultural

considerations or language issues

Assistance with discharge planning and return travel

home for the patient

Health Service Navigator

Integrated Health Resource Centre

Quick and easy access to health resources and tools

featuring topics, such as:

Finding a family doctor

Finding a specialist

The best way to communicate with your doctor

Locating hospitals

Checking procedure wait times

Locating resources to address mental health concerns

Learning how to build your health care and

support team

Resources on senior care

Information on children’s health

Determining expenses covered by your provincial

health plan

Education on safe medication use

Maintaining your health record

Accessing tips for patient advocacy

Understanding your illness

Managing chronic disease

Dealing with cancer

Coping better with disability

Health Service Navigator offers access to a medical second opinion service because when anyone is facing a serious illness, they want answers fast. Our medical second opinion provider, WorldCare Inc. specializes inmedical advisory assistance, providing plan members andtheir eligible dependants with the ability to have theirdiagnoses and treatment plans evaluated confidentiallyand securely by world class physician specialists – all without having to leave their home, and all within days.

At the plan member’s request, the medical second opinion service provided by WorldCare Inc. includes an independent review, diagnosis and treatment recommendations from leading licensed medical physicians. These physicians are recognized as top medical diagnosis specialists and are associated with some of the foremost teaching and research hospitals inNorth America, known collectively as the WorldCareConsortium. The WorldCare Consortium is a provider network consisting of some of the top academic medicalinstitutions in North America. These institutions deliverexpert medical consultations as part of the WorldCare Inc.medical second opinion service, and are committed to thehighest quality patient care and medical services.

WorldCare Inc. will coordinate working with physicians toobtain the paperwork and information needed for theappropriate specialists to evaluate and communicate theirfindings. While other medical second opinion offeringsdevelop a network of physicians to provide medical second opinions, WorldCare Inc. offers this servicethrough hospital groups. Each medical second opinion iscoordinated through a case manager and consists of aconfirmed diagnosis and treatment plan. This helps bothpatients and their doctor access the latest in medicaladvances from leading medical institutions, including:

Children’s Hospital Boston

Duke University Health System

Mayo Clinic

Partners HealthCare System, Inc. which includes:

- Massachusetts General Hospital

- Brigham and Women’s Hospital and

- Dana-Farber/Partners Cancer Care

- Spaulding Rehabilitation Hospital

- McLean Hospital

UCLA Healthcare

AIDS

Alzheimer’s Disease

Any Amputation

Any life threatening Illness

Benign Brain Tumor

Cancer (all types)

Cardiovascular Conditions, includes Heart Attack

(Myocardial Infarction), Coronary Bypass Surgery,

Aortic Surgery

Chronic Pelvic Pain

Coma

Deafness

Emphysema

Hip and Knee replacement

Loss of Speech

Major Organ or Bone Marrow Transplants

Major Trauma

Multiple Sclerosis

Neuro-degenerative diseases

Paralysis

Parkinson’s Disease

Renal Insufficiency or Kidney Failure

Rheumatoid Arthritis

Severe Burns

Stroke (Cerebrovascular Accident)

Sudden Blindness due to Sickness

Thrombophlebitis and Embolism

Covered Medical Second Opinion Conditions

The Health Service Navigator medical second opinion service covers the following conditions and treatments

World-Class Medical Second Opinions

Our providers:

®

For more information...

Please contact your Manulife Financial representative for more information about Health Service Navigator® or torequest a quote.

Health Service Navigator is powered by AccelMD, Novus Health and WorldCareInc.

About AccelMDAccelMD strives to raise health awareness by providing an exceptional portfolio of results-driven health care and wellness solutions to improvehealth and enhance the quality of life for individuals, groups and organizations. Our products help manage and reduce health care costs whileincreasing organizational health and employee productivity. In addition tolarger groups, AccelMD also offers innovative health memberships for individuals and families, ready to assist members who choose to pursue timesaving condition diagnosis or treatment options in the United States,regardless of age, health history or present state of health. We invite you tolearn more about us by visiting www.accelmd.com.

About Novus Health™Novus Health, a leader in Canadian Health Navigation, delivers innovativesolutions for today's changing health care environment – both over thephone and online. Novus Health empowers members to navigate the healthcare system by providing them with the tools they need to access trustedhealth information and make informed health decisions.

Novus Health has offices in Toronto and Montreal and serves Canadianscoast to coast. www.novushealth.com / www.novussante.com.

About Worldcare Inc.The international health care community has trusted WorldCare since 1994when it was the first company to offer physician-referred, patient-specific,second opinion e-consultation for serious illness. A worldleader in the field of global e-health services, WorldCare’s mission is toimprove the health of all people by providing affordable, timely access toquality health care services through a global network. Today, WorldCare operates in over 42 countries worldwide and has delivered over 19,000 second opinion studies.

Any medical conditions that are a direct result of either of the followingevents are excluded from coverage for Health Service Navigator:

a Radioactive Contamination that is not associated with one’s occupation; or

b War or warlike operations (whether war is declared or not), invasion,act of foreign enemy, hostilities, mutiny, riot, civil commotion, civilwar, rebellion, revolution, insurrections, conspiracy, military orusurped power, martial law or state of siege, or any events or causeswhich determine the proclamation or maintenance of martial law orstate of siege.

Furthermore, Manulife Financial shall not be liable for any expenseincurred by the plan member or their eligible dependent which is notspecifically described and covered under this Health Service Navigatorbenefit or the Group Benefits Policy, including but not limited to the costof treatment, travel costs, fees, medical expenses, appointment cancellationcharges and other expenses.

Limitations and Exclusions

Health Service Navigator® is offered through Manulife Financial (The Manufacturers Life Insurance Company). Novus Health is a Trademark of Health Care Services International Inc. © 2011 The Manufacturers Life Insurance Company. All rights reserved. Manulife Financial, ManulifeFinancial For Your Future logo and the block design are service marks and trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates under license.

GC2260 06/2011