Personal health insurance



Compare personal health insurance with:

Personal health insurance provides affordable coverage for:

  • unexpected health expenses
  • many ongoing health-related services not covered by provincial plans.

Depending on your drug, dental, and supplementary health needs (such as vision care, chiropractic care or emergency travel medical), you simply choose the plan that suits you best.

We have 3 plans for you to choose from.

  Basic plan Standard plan Enhanced plan
  Our most economical plan for basic coverage. Coverage for the same health expenses as Basic but at higher levels. Also with vision and emergency travel medical coverage. The broadest and most generous level of coverage, including orthodontic and restorative dental coverage.
Reimbursement summaries
Prescription drugs
  • Pay direct drug card (except Quebec)
  • 60% reimbursement
  • No deductible
  • $5 dispensing fee cap
  • $750 maximum/year
  • Includes smoking cessation drugs ($250 lifetime maximum)
  • Excludes fertility drug and contraceptives
  • Pay direct drug card (except Quebec)
  • 70% reimbursement on the first $7,000 of eligible expenses, 100% on the next $93,000
  • No deductible
  • $100,000 maximum/yearr
  • Includes smoking cessation drugs ($250 lifetime maximum)
  • Excludes fertility drug and contraceptives
  • Pay direct drug card (except Quebec)
  • 80% reimbursement on the first $5,000 of eligible expenses, 100% on the next $95,000
  • No deductible
  • $100,000 maximum/year
  • Includes smoking cessation drugs ($250 lifetime maximum)
  • Includes oral contraceptives
  • Excludes fertility drugs

Preventive dental

 

  • 3-month waiting period
  • 60% reimbursement
  • $500/year maximum
  • OPTIONAL
  • 3-month waiting period
  • 70% reimbursement
  • $750/year maximum
  • OPTIONAL
  • 3-month waiting period
  • 80% reimbursement
  • $750/year maximum

Restorative dental

 

Not available Not available
  • Optional with Preventive dental and Orthodontics
  • 1-year waiting period
  • 50% reimbursement
  • $500/year maximum

Orthodontics

 

Not available Not available
  • Optional with Preventive dental and Restorative dental
  • 2-year waiting period
  • 60% reimbursement
  • $1,500/lifetime maximum
Supplemental health care
  • 60% reimbursement
  • No deductible
  • Alternative treatments:
    • $25 maximum per visit
    • $250/year per practitioner
  • Hearing aids $400/5 years
  • Accidental dental $2,000/fracture or injury
  • Licensed ground ambulance
  • Emergency air ambulance
  • Medical equipment and in-home nursing
    • $2500/year combined maximum
    • $20,000 combined lifetime maximum

Medical services
For Quebec residents, medically necessary MRI, Ultrasound, CAT and CT scans are covered up to a combined maximum of $750/year .

  • 100% reimbursement
  • No deductible
  • Alternative treatments:
    • $300/year per practitioner
  • Hearing aids $400/5 years
  • Accidental dental $2,000/fracture or injury
  • Licensed ground ambulance
  • Emergency air ambulance
  • Medical equipment
    • $5,000/year maximum
  • In-home nursing
    • $5,000 annual maximum and $25,000 lifetime maximum

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

  • 100% reimbursement
  • No deductible
  • Alternative treatments:
    • $400/year per practitioner
  • Hearing aids $500/5 years
  • Accidental dental $2,000/fracture or injury
  • Licensed ground ambulance
  • Emergency air ambulance
  • Medical equipment
    • $5,000/year maximum
  • In-home nursing
    • $10,000 annual maximum and $30,000 lifetime maximum

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

Vision - Prescription eyeglasses, contact lenses, prescription sunglasses, and laser eye surgery.
 
No coverage
  • 100% reimbursement
  • 1-year waiting period
  • $150 maximum every 2 years (includes $50 maximum per year per eye exam)
  • 100% reimbursement
  • 1-year waiting period
  • $200 maximum every 2 years (includes $50 maximum per year per eye exam)

Emergency travel

 

No coverage
  • 100% reimbursement
  • You're covered under this plan to age 80 during the first 60 days of trip
  • $1 million lifetime maximum
  • 9-month pre-existing condition clause
  • Out of Country / Out of Province coverage
  • 100% reimbursement
  • You're covered under this plan to age 80 during the first 60 days of trip
  • $1 million lifetime maximum
  • 9-month pre-existing condition clause
  • Out of Country / Out of Province coverage
Optional benefit
Semi-private hospital room
  • 85% reimbursement
  • $200/day
  • $5000 maximum
  • Convalescent hospital - maximum $20/day - 180 days per incident
  • 85% reimbursement
  • $200/day
  • $5000 maximum
  • Convalescent hospital - maximum $20/day - 180 days per incident
  • 85% reimbursement
  • $200/day
  • $5000 maximum
  • Convalescent hospital - maximum $20/day - 180 days per incident
Mobile app and web services my Sun Life - mobile app and  online  access to  your Personal Health Insurance plan my Sun Life - mobile app and  online  access to  your Personal Health Insurance plan my Sun Life - mobile app and  online  access to  your Personal Health Insurance plan
Other services Best Doctors® services¹ Best Doctors® services¹ Best Doctors® services¹
More information

Sample policies

 

Sample policies

 

Sample policies

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.