What is personal health insurance?
Personal health insurance products help lower your risk of being burdened by expenses for preventive care or medical bills as a result of an illness or accident. While provincial health plans provide coverage for many health expenses, there are gaps that can have a significant impact on your finances. For example, depending on the province or territory where you live, you may have to pay for:
- Prescription drugs to treat a chronic or serious health condition
- Emergency medical services provided in another country
- Practitioners like physiotherapists to promote wellness or help with injury recovery
- Medical equipment to assist with your mobility
Sun Life offers 2 personal health insurance products: Personal Health Insurance and Health Coverage Choice.
Which product is right for you?
Personal Health Insurance
If you want higher coverage levels and are willing to be medically underwritten – where we review your health in greater depth through tools such as a detailed health questionnaire – then you should consider Personal Health Insurance. See plan details below.
Health Coverage Choice
If you’ve lost your group benefits coverage in the last 60 days – or will be losing your group benefits – because you are leaving your job or retiring, and you want coverage for your current health needs, you should consider Health Coverage Choice. There is no medical underwriting with this product.