Health Coverage Choice



If you're a member of a company that provides group supplementary health, prescription drug and dental benefits and you leave that company, you can apply for Health Coverage Choice.

Health Coverage Choice provides affordable coverage for unexpected health expenses as well as many ongoing health-related needs not covered by provincial plans. If you don't have provincial health care coverage, we cannot provide you with Health Coverage Choice insurance.

Compare Health Coverage Choice with:


Quebec residents must have the health and drug coverage through the Régie de l'Assurance Maladie du Québec (RAMQ) or through group benefits. If you have drug coverage with your group benefits instead of RAMQ, we need to know the policy and certificate number to direct claims to the group plan first. Health Coverage Choice is an individual plan and does not take the place of a group plan; you cannot opt out of RAMQ because you have HCC.

You have 60 days from the day your group coverage ends to purchase Health Coverage Choice. You may include other family members on your plan if they were insured through your group benefits plan. You and all persons included in your application must be age 74 or under on the date you apply. There are no medical requirements.

You can choose from 3 plans designed for optimum coverage.

These plans complement the coverage provided by your Canadian provincial plans. You must have provincial health coverage in order to qualify for Health Coverage Choice. You must apply to your province for reimbursement first. The unpaid portion can then be submitted for coverage under your Health Coverage Choice plan.

Health Coverage Choice is available for applicants up to age 74 and is renewable for customers age 75 and over. This policy is renewable yearly.

You are eligible for this insurance if your group supplementary health, prescription drug and dental benefits (if you choose the dental option) were in effect within 60 days of the date of your application.

Features Health and Dental Choice A Health Choice B Health Choice C
 

Provides economical coverage.

There is a $250,000 lifetime overall plan maximum.

Provides coverage for the same health expenses as Health and Dental Choice A but at higher levels. Includes more benefits.

There is a $250,000 lifetime overall plan maximum.

Provides the broadest and most generous level of coverage. The optional dental benefit provides restorative dental coverage.

There is a $300,000 lifetime overall plan maximum.
Preventive dental
For all plans, coverage is available for dental cleaning every 9 months as well as X-rays and fillings.
  • 80% reimbursement
  • Included as part of this plan
  • The annual maximum per person is $700
  • Optional benefit with Restorative Dental
  • 80% reimbursement
  • Optional benefit with Restorative Dental
  • 80% reimbursement
Restorative dental
Your plan will not provide restorative dental benefits during the first year.		 No restorative benefits
  • Optional benefit with Preventive dental
  • 50% reimbursement
  • overall $700 dental maximum (combined with Preventive dental)
  • Optional benefit with Preventive dental
  • 50% reimbursement
  • overall maximum - $750 in the first calendar year, $1,000 in subsequent calendar years (combined with Preventive dental)
Prescription drugs
  • Pay direct drug card (except Quebec)
  • 80% reimbursement
  • The annual maximum per person is $400
  • We'll pay up to $5.00 towards your dispensing fee.
  • Pay direct drug card (except Quebec)
  • 80% reimbursement
  • The annual maximum per person is $1,000
  • Pay direct drug card (except Quebec)
  • 80% reimbursement
  • The annual maximum per person is $2,000
Alternative treatments
Paramedical Practitioners
  • 80% reimbursement
  • The annual maximum is $250 for each practitioner with a $25 maximum per visit.
  • 100% reimbursement
  • The annual maximum is $300 for each practitioner. $500 annual maximum combined for all practitioners.
  • 100% reimbursement
  • The annual maximum is $300 for each practitioner. $650 annual maximum combined for all practitioners.
Psychologist
  • 80% reimbursement
  • The annual maximum is $250 with a $50 maximum per visit.
  • 100% reimbursement
  • $60 maximum per visit, up to a maximum of 7 visits per year.
  • 100% reimbursement
  • $60 maximum per visit, up to a maximum of 10 visits per year.
Accidental dental
  • 80% reimbursement
  • The maximum per person is $2,000 per fracture or injury.
  • 100% reimbursement
  • The maximum per person is $5,000 per lifetime.
  • 100% reimbursement
  • The maximum per person is $5,000 per lifetime.
Ground ambulance
  • 80% reimbursement
  • No maximum
  • 100% reimbursement
  • No maximum
  • 100% reimbursement
  • No maximum
  • air ambulance covered up to $5,000/incident
Hearing Aid
  • 80% reimbursement
  • $300 maximum per person every 5 years
  • 100% reimbursement
  • $350 maximum per person every 5 years
  • 100% reimbursement
  • $500 maximum per person every 5 years

Medical equipment

 

Medical equipment

  • 80% reimbursement
  • $2,500 yearly combined maximum with in-home nursing. The overall combined lifetime maximum per person is $20,000.

Medical equipment

  • 100% reimbursement
  • $2,500 yearly maximum.

Medical services
For Quebec residents, medically necessary MRI, Ultrasound, CAT and CT scans are covered.

Medical equipment

  • 100% reimbursement
  • $5,000 yearly maximum.

Medical services
For Quebec residents, medically necessary MRI, Ultrasound, CAT and CT scans are covered.
In-home nursing
  • 80% reimbursement
  • $2,500 yearly combined maximum with medical equipment. The overall combined lifetime maximum per person is $20,000.
  • 100% reimbursement
  • $5,000 yearly maximum
  • $25,000 lifetime maximum
  • 100% reimbursement
  • $5,000 yearly maximum
  • $25,000 lifetime maximum
Vision
  • 100% reimbursement
  • $150 total towards eyewear, contact lenses or laser eye surgery every 2 years for each person. Included in this is a $50 maximum towards eye examinations every 2 years (1 year for persons under 18).
  • 100% reimbursement
  • $150 total towards eyewear, contact lenses or laser eye surgery every 2 years for each person. Included in this is a $50 maximum towards eye examinations every 2 years (1 year for persons under 18).
  • 100% reimbursement
  • $200 total towards eyewear, contact lenses or laser eye surgery every 2 years for each person. Included in this is a $50 maximum towards eye examinations every 2 years (1 year for persons under 18).

Emergency travel medical

 

 No emergency travel medical benefits
  • 100% reimbursement
  • You're covered under this plan to age 80, during the first 60 days of travel while you are out of your home province.
  • The lifetime maximum is $1 million.
  • 9-month pre-existing condition clause.
  • 100% reimbursement
  • You're covered under this plan to age 80, during the first 60 days of travel while you are out of your home province.
  • The lifetime maximum is $1 million.
  • 9-month pre-existing condition clause.

Semi-private hospital coverage

 
  • 50% reimbursement for each day of hospitalization
  • $5,000 yearly maximum.
  • 85% reimbursement
  • $175 maximum per day
  • $5,000 yearly maximum
  • Convalescent hospital - maximum of $20/day up to 180 days per incident
  • 85% reimbursement
  • $200 maximum per day
  • $5,000 yearly maximum
  • Convalescent hospital - maximum of $20/day up to 180 days per incident
Mobile app and web services My Sun Life - mobile app and online access for your Health Coverage Choice plan My Sun Life – mobile app and online access for your Health Coverage Choice plan My Sun Life – mobile app and online access for your Health Coverage Choice plan
Other services Best Doctors® services1 Best Doctors® services1 Best Doctors® services1
More information Policy samples  Policy samples  Policy samples 

Please note: Best Doctors is a service we currently make available to you, but it's not part of the policy and may be altered or withdrawn at any time.
1Excludes mental, nervous and chronic pain conditions (e.g. fibromyalgia).
BEST DOCTORS and other trademarks shown are trademarks of Best Doctors, Inc. Used under license.

Ready to buy?

Find out how Health Coverage Choice fits into your plan.

Speak with an advisor

Questions?

Speak with an advisor

Contact your advisor directly, or find an advisor online.

Need an advisor?

Visit Advisor MatchLink to an external website to find one today.

Contact us by phone

Call 1 877 SUN-LIFE (1 877 786 5433)
Monday to Friday, 8 a.m. to 8 p.m. ET