Student Insurance Program

Underwritten by The Manufacturers

Life Insurance Company (Manulife) For plans issued under Policy #60101 on or after July 1, 2025.
Help protect your financial future
When you’re in the medical field, you quickly learn that unexpected events can happen to anyone at any time. These
occurrences can have a serious financial impact on you and your family. That’s why it’s essential to have financial protection
in place to help secure a more stable future. Doctors of BC, in partnership with Manulife, offer plans such as Student Life
Insurance and INCOMEprotect for Students. Protect yourself and your family from the beginning of your medical journey to
establish a foundation of coverage that you can build upon as your financial responsibilities increase.

You are eligible to apply for INCOMEprotect for Students and Student Life Insurance Plans if you are:
1. residing in Canada and;
2. a full-time undergraduate student in a school of medicine or faculty of medicine in British Columbia;
3. a member of Doctors of BC or the Yukon Medical Association; and
4. under age 65 for INCOMEprotect for Students, or under age 75 for Life Insurance.

Protect your future earning power How much Disability Insurance is available
to me?
As a medical student, you know that accidents or illness
can happen at any time. Your ability to earn an income The plan provides a:
can be put at risk if you suffer an injury or illness that • $1,500 monthly benefit if you are a first- or second-year
results in a disability. Your ability to earn an income may student;
be your biggest asset. You can help protect that asset with
INCOMEprotect for Students. • $2,500 monthly benefit if you are a third-year student;

Now is the best time to apply for this type of insurance • $2,500 monthly benefit or $4,000 monthly
because future changes in your health could make it more benefit* if you are a fourth-year student.
difficult and expensive to get coverage. If you were to * Fourth-year students are able to apply for a higher monthly benefit of
suffer a covered disability with this plan in place, it could $4,000 or remain at the $2,500 monthly benefit amount. Doctors of BC
provide assistance towards paying expenses like student will pay the premiums for the $2,500 option. Students who choose the
$4,000 option will be charged a premium on the difference.
loans, rent, food, car payments or medical costs.

This coverage can follow you throughout your career path, This plan is available to members who enrol on or after
with the INCOMEprotect for Residents plan and then to July 1, 2025. If you were enrolled in the INCOMEprotect
the INCOMEprotect for Practicing Physicians plan. Plus, for Students (Legacy) plan (policy #59999) before July 1,
Doctors of BC covers the cost of the basic coverage of this 2025, please refer to your personalized Certificate in the
plan for students. Member Area of the Doctors of BC website.

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 Disability Features
These additional benefits are included
at no extra charge.
HIV, Hepatitis B/Hepatitis C Benefit
If you test positive for HIV or the Hepatitis B/Hepatitis
C virus, and are asymptomatic, you may be considered
eligible for a partial disability benefit.

Recurrent Disability Benefit

You’re eligible for Recurrent Disability benefits if:
• you suffer a second total or partial disability due to the
same cause as a previous disability;
• you received benefits for the previous disability under
this plan or were in the 90-day elimination period when
What happens if I become disabled and make you returned to work;
a claim for benefits?
• and you are within 12 months of recovering from the
If you become disabled as defined under this plan and previous disability.
your claim is approved, the monthly benefit payment begins
There is no need to complete a new elimination period if
once the elimination period of 90 days is completed. The
benefits become payable to you.
benefit payable to you, in accordance with the provisions
of the plan, is a maximum cumulative total of 5 years. Presumed Total Disability Benefit*
The elimination period is the number of days that must Even if you are able to work, you may be considered totally
pass, after an injury or the onset of a sickness, before your disabled and receive total disability benefits if, as a result
benefit is payable. of sickness or injury that first manifests itself while your
coverage is in force, you totally and irrecoverably lose:
How is disability defined?
• the power of speech;
If you become sick or suffer an injury, you may be
• sight in both eyes;
considered totally or partially disabled under this plan.
• hearing in both ears; or
The definitions are as follows:
• the use of both hands or both feet;
Total Disability • the use of both one hand and one foot.
As a result of sickness or injury, you are: * Certain conditions apply.
• under the regular care of a treating physician,
Survivor Benefit
• unable to perform the essential duties of your regular
occupation* and If you die while receiving benefits under this plan, a lump-sum
amount equal to three times your last monthly disability
• not engaged in any other gainful occupation.
benefit will be paid to your surviving spouse or to your estate.
Partial Disability
Transplant and cosmetic surgery
You are not totally disabled but, as a result of sickness
If you become totally disabled as a result of cosmetic surgery
or injury, you are under the regular care of a treating
or a transplant where part of your body is transplanted to
physician and you are unable to perform one or more of
another person, you will be entitled to benefits – provided
the essential duties of your regular occupation*; or the
you’ve been continuously disabled for at least 30 days; and
essential duties of your regular occupation for at least 50%
you complete the elimination period; and your insurance
of the time normally spent.
under this plan has been in force for at least six months.
If you are partially disabled, you will receive 50% of your
monthly disability benefit for the first 36 months of the Waiver of Premium Benefit
partial disability, and 25% thereafter. If you are totally or partially disabled, your premiums will
* Under this Disability Insurance plan, your full-time attendance at be waived back to your date of disability once benefits
medical school is considered your regular occupation. become payable to you.
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How long can I keep this insurance for? Annual Premiums
Coverage will terminate on the earliest of the following dates: Doctors of BC pays your annual premiums for the following
• the date the maximum benefit period has been reached; monthly tax-free benefit amounts.
• the date the group policy terminates; Year 1 & 2 - $1,500
• the date you are approved for the Resident plan and all Year 3 & 4 - $2,500
premiums have been paid; Students in year 4 can purchase an additional $1,500 of
• the premium due date which occurs 12 months following monthly benefit subject to approval, for a combined total of
your graduation from medical school if you do not begin $4,000. Please contact Doctors of BC for your rates.
a residency program within this period;
• the date you do not return from a leave of absence to What happens to my Disability Insurance when
resume studies in the medical school program;
I start my residency program and practice?
• the first of the month on or immediately following the date
you are no longer a member of an eligible association; You may choose to apply for coverage on a full premium
paying basis under the Doctors of BC INCOMEprotect
• the date you withdraw, or are terminated from your
program of medical studies, as certified by the medical for Residents Plan, provided you meet all of the eligibility
school concerned; requirements of the Residents Plan and you remain a
• the date you fail to pay the premium, subject to the member of Doctors of BC or the Yukon Medical Association.
grace period;
• the date the administrator receives your request,
submitted on a form provided by the administrator, to
terminate your coverage;
• the premium due date on or immediately following your
70th birthday; or
• the date of your death.

What is not covered under this plan?

Benefits will not be payable for any disability resulting from the following:
• any loss due to disability resulting from any special provision/exclusion specifically set out in your Certificate;
• any period of disability, including throughout the elimination period, during which you are not receiving appropriate care
and treatment, excluding presumptive disabilities;
• any loss due to disability that occurs while you are outside of Canada or the United States and lasts for a period of more
than 6 months while outside of Canada or the United States, unless you return to Canada for any appropriate testing or
investigations, as recognized by us;
• any loss due to a disability resulting directly or indirectly from intentionally self-inflicted injuries, unless evidence establishes
that the injuries are the direct result of a mental disorder;
• any loss due to a disability resulting directly or indirectly from participation in a declared or undeclared war, act of war,
riot, insurrection, or terrorist activity, or from an injury sustained, or sickness contracted while in the military service of any
country at war except as a member of the Canadian Armed Forces or Canadian Forces Reserve;
• any loss due to disability resulting directly or indirectly and wholly or partially from committing or attempting to commit a
criminal offence;
• any loss due to injuries sustained while operating a motor vehicle, either while under the influence of any intoxicant or if
your blood contained more than 80 milligrams of alcohol per 100 millilitres of blood at the time of injury;
• any loss due to disability resulting from alcoholism, drug addiction, substance use disorder, or other addiction, unless you
are participating in a therapeutic program, recognized as such by us, and are receiving appropriate care and treatment;
• any period of incarceration in a prison or admission to inpatient psychiatric treatment by authority of a criminal court,
whether such disability occurred prior to or during such period.

Does this plan cover a pre-existing condition?

A disability may not be covered if it occurs within the first 12 months of the effective date of your coverage as a result of a
health condition that existed during the 12 months before the coverage became effective.
In addition, your coverage may include a specific coverage exclusion. You will be informed of specific coverage exclusions, if
applicable,
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Doctors of BC
Student Life Insurance
Life Features
As a medical student, you’re on an admirable path toward
providing a healthy future for your patients. But you may
also have your family’s future to think about. A great way Are any optional features available?
to help protect their financial future, in case anything
happened to you, is with Life Insurance. Waiver of Premium Rider
If you purchase this rider and if you become totally
You may purchase Life Insurance without having disability
disabled for a continuous period of 90 days before age
insurance coverage.
65, your Life Insurance coverage will continue without
Get started with the Doctors of BC Student Life Insurance premium payments as long as you remain totally disabled.
Plan, which offers $100,000 coverage at no cost for BC You can apply for this rider without evidence of insurability
medical students. between April 1 and June 30, inclusive, of the year in
which you graduate from medical school, or at the time
you apply for additional coverage while you are in your
undergraduate medical school program.

$100,000 Student Life Insurance at No Cost You are considered to be totally disabled if you are unable
to you to perform the essential duties of your regular occupation
as a result of sickness or injury, are under the regular care
You can apply for $100,000 in Student Life Insurance of a physician, and are not engaged in any other gainful
without needing to provide evidence of insurability. occupation. As a Student, “regular occupation” means the
Doctors of BC pays the premium while you are a full-time ability to attend medical school on a full-time basis.
undergraduate student in a school of medicine or faculty
of medicine in British Columbia. Your Life Insurance coverage will continue without
payment of premium from the date your total disability
You can apply for Life Insurance coverage greater than begins, until the date you either cease to be totally
$100,000 (to a maximum of $5,000,000) by submitting disabled, or the date you fail to give Manulife proof of
evidence of insurability and paying the required premium, continued total disability, or on the premium due date
once your coverage is approved. Your spouse1 is also coincident with or next following your 75th birthday,
eligible to apply for Life Insurance. Contact a Doctors of whichever is earliest.
BC Insurance Administrator for more information.
1
Spouse means a person of the opposite or same sex who is either your
spouse by marriage or under any other formal union recognized by law or
who is publicly represented as your spouse for at least the last 12 months.

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 What happens to my Life Insurance when I
Future Insurance Option Rider (FIO) start my residency program and practice?
This rider allows you to add an additional $50,000 You may choose to continue coverage, on a full premium
insurance onto your base coverage on each option paying basis, when you start your residency program. No
date as set out below, up to the plan maximum, without evidence of insurability is required to continue coverage.
providing proof of good health.

You can apply for this rider without proof of good health When will my Life Insurance end?
from July 1 to September 28, inclusive, of the year in
Your Life Insurance coverage will end on the earliest of the
which you graduate from medical school, or at the time
following dates:
you apply for additional coverage while you are in your
undergraduate medical school program. • the date you are no longer a member of Doctors of BC
or the Yukon Medical Association;
You may exercise an option within 60 days of one of the
• the end of the grace period following non-payment of
following events:
any premiums;
• completion of medical school;
• the date you withdraw, or are terminated, from your
• completion of a Residency program; program of medical studies, as certified by the medical
• marriage or eligible common-law relationship school concerned;
• birth or legal adoption of a child; • the first day of the month coincident with or next
• attainment of age 25, 30, 35, 40, 45, 50 and 55. following the date you notify Doctors of BC, in writing,
that you wish to terminate this coverage;
To exercise this rider you must be actively at work* at the
time of your application. The rider has a flat option amount • the premium due date coincident with or next following
of $50,000 and cannot exceed the FIO maximum of the date of your 75th birthday;
$500,000. This rider ends on the premium due date that • the date of conversion to an individual Life Insurance
coincides with or next follows your 55th birthday. policy;
* Under this Life Insurance plan your regular attendance at medical • the date on which the group policy is terminated; or
school is considered your regular occupation/actively at work.
• the date of your death.

In the event of the insured’s death, the coverage

amount will be paid to the designated beneficiary. If the
beneficiary is not living at that time, or if a beneficiary
has not been designated, payment will be made to the
insured’s estate.

No benefits are payable for a death which occurs within

two years from the effective date of the insurance
coverage if death results from intentional self-inflicted
injuries or suicide.

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Student Life Insurance Monthly Rates
Monthly premium per unit ($50,000 of coverage)
Premiums for your first $100,000 of life benefit are paid by Doctors of BC.

STANDARD ELITE

Non-Smoker Smoker Non-Smoker

Age Male Female Male Female Male Female

Under 25 $1.17 $0.62 $2.05 $1.06 $0.98 $0.57

25 - 29 $1.29 $0.73 $2.31 $1.26 $1.07 $0.68

30 - 34 $1.51 $1.24 $3.43 $2.51 $1.27 $1.13

35 - 39 $1.97 $1.46 $5.64 $3.83 $1.59 $1.34

40 - 44 $2.60 $1.97 $7.86 $5.15 $1.79 $1.70

45 - 49 $3.71 $2.41 $9.77 $6.87 $2.51 $1.83

50 - 54 $5.59 $4.13 $21.14 $14.34 $3.48 $2.85

55 - 59 $10.17 $6.96 $30.12 $19.02 $6.93 $5.34

60 - 64 $18.76 $12.74 $39.70 $29.46 $12.77 $9.76

65 - 69 $28.57 $13.53 $50.26 $31.44 $19.45 $10.37

70 - 74 $59.90 $29.92 $105.54 $69.42 $40.74 $22.92

Apply for the Life coverage between age 18 to 55.

Annual premium for Future Insurance Option Rider

FIO $27
Apply for the FIO when you apply for Life coverage between age 18 to 55.

Rates including Waiver of Premium Rider

Monthly premium per unit ($50,000 of coverage)

STANDARD ELITE

Non-Smoker Smoker Non-Smoker

Age Male Female Male Female Male Female

Under 25 $1.36 $0.72 $2.38 $1.23 $1.14 $0.66

25 - 29 $1.50 $0.85 $2.68 $1.46 $1.24 $0.79

30 - 34 $1.75 $1.44 $3.98 $2.91 $1.47 $1.31

35 - 39 $2.29 $1.69 $6.54 $4.44 $1.84 $1.55

40 - 44 $3.02 $2.29 $9.12 $5.97 $2.08 $1.97

45 - 49 $4.30 $2.80 $11.33 $7.97 $2.91 $2.12

50 - 54 $6.48 $4.79 $24.52 $16.63 $4.04 $3.31

55 - 59 $11.80 $8.07 $34.94 $22.06 $8.04 $6.19

60 - 64 $21.76 $14.78 $46.05 $34.17 $14.81 $11.32

Apply for the FIO when you apply for Life coverage between age 18 to 55.

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Help protect your financial future
and your assets

Doctors of BC offers and administers a

comprehensive array of insurance products
that includes:
• Accidental Death and Dismemberment Insurance

• Critical Illness Insurance

• Life Insurance

• INCOMEprotect for Residents and Practicing

Physicians

• Physicians’ Disability Insurance (PDI) Plan

• Professional Expense Insurance

Information and application forms for all Doctors of BC insurance plans may be found at [Link]/insurance.

To contact a Doctors of BC Insurance Administrator or to book an appointment with a non-commissioned Insurance Advisor:

Tel: 604 736 5551 Toll Free: 1 800 665 2662

Email: insurance@[Link]

This brochure provides the highlights and not the details of Doctors of BC Student Insurance Program provided through Manulife.
Final coverage is subject to approval from Manulife.

Plans underwritten by

The Manufacturers Life Insurance Company (Manulife).

Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.
© 2025 The Manufacturers Life Insurance Company. All rights reserved. Manulife, PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8.
Accessible formats and communication supports are available upon request. Visit [Link]/accessibility for more information.

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