Personal health insurance

Leaving a group plan?

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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	Basic plan	Standard plan	Enhanced plan
Prescription drugs	Pay direct drug card (except Quebec) 60% reimbursement No deductible $5 dispensing fee cap $750 max/yr Includes smoking cessation drugs ($250 lifetime max) 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 max/yr Includes smoking cessation drugs ($250 lifetime max) 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 max/yr Includes smoking cessation drugs ($250 lifetime max) Includes oral contraceptives Excludes fertility drugs
Preventive dental	3-month waiting period 60% reimbursement $500/yr max	OPTIONAL 3-month waiting period 70% reimbursement $750/yr max	OPTIONAL 3-month waiting period 80% reimbursement $750/yr max
Restorative dental	Not available	Not available	Optional with Preventive dental and Orthodontics One year waiting period 50% reimbursement $500/year max
Orthodontics	Not available	Not available	Optional with Preventive dental and Restorative dental 2-year waiting period 60% reimbursement $1,500/lifetime max
Supplemental health care	60% reimbursement No deductible Alternative treatments: $25 maximum per visit $250/yr per practitioner Hearing aids $400/5 yrs Accidental dental $2,000/fracture or injury Licensed ground ambulance Emergency air ambulance Medical equipment and in-home nursing $2500/yr combined max $20,000 combined lifetime max 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/yr per practitioner Hearing aids $400/5 yrs Accidental dental $2,000/fracture or injury Licensed ground ambulance Emergency air ambulance Medical equipment $5,000/yr max In-home nursing $5,000 annual maximum and $25,000 lifetime max Medical services For Quebec residents, medically necessary MRI, Ultrasound, CAT and CT scans are covered.	100% reimbursement No deductible Alternative treatments: $400/yr per practitioner Hearing aids $500/5 yrs Accidental dental $2,000/fracture or injury Licensed ground ambulance Emergency air ambulance Medical equipment $5,000/yr max In-home nursing $10,000 annual maximum and $30,000 lifetime max 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 max 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 max 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 - max $20/day - 180 days per incident	85% reimbursement $200/day $5000 maximum Convalescent hospital - max $20/day - 180 days per incident	85% reimbursement $200/day $5000 maximum Convalescent hospital - max $20/day - 180 days per incident
Other services?	Best Doctor's services	Best Doctor's services	Best Doctor's services
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