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

You should consider personal health insurance if:

  • You don’t have health benefits through your employer
  • You’re losing your group coverage
  • You’d like additional benefits not offered by your employer’s plan

Personal health insurance products complement health coverage provided by your province. You must have provincial health coverage to be eligible for Sun Life Financial’s personal health insurance products.

Sun Life Financial offers 2 personal health insurance products: Personal Health Insurance (PHI) and Health Coverage Choice (HCC). PHI is medically underwritten and offers higher coverage levels than HCC. There is no medical underwriting for HCC, and you need to apply within 60 days of leaving a group benefit plan.

Is Health Coverage Choice the right product for you?

  1. Have you lost your group benefits coverage in the last 60 days – or will you be losing your group benefits – and want coverage as soon as possible?
  2. Would you prefer not to be medically underwritten or do you have one of these illnesses or conditions?
  3. Are you comfortable having a plan that helps cover your current health needs with lower coverage levels for future health issues that may arise?

If you’ve answered yes to these questions, then Health Coverage Choice may be right for you.

Learn more about Health Coverage Choice

If you want higher coverage levels and are willing to be medically underwritten, consider 1 of the 3 Personal Health Insurance plans we describe below.

We offer 3 Personal Health Insurance plans:

Personal Health Insurance is for you if you don’t have adequate employer group benefits coverage. You can choose among plans with differing levels of coverage. Each person included on a Personal Health Insurance application must have provincial health coverage and will be medically underwritten.

Basic plan

Our lowest-cost plan helps you budget for basic medical and dental needs.

  • 60% reimbursement for prescription drugs with a $750 annual maximum
  • 60% reimbursement for supplemental healthcare expenses. 60% reimbursement with a $25 per-visit maximum on paramedical practitioner services up to $250 per year per practitioner
  • 60% reimbursement for preventive dental care with a $500 annual maximum
  • Semi-private hospital room coverage is optional. No coverage for emergency travel medical or vision care

Learn more about the Basic plan

Standard plan

Our most popular plan includes catastrophic drug, emergency travel medical and optional preventive dental coverage.

  • For prescription drugs, 70% reimbursement for first $7,000 and 100% reimbursement for next $93,000 of annual eligible expenses
  • 100% reimbursement for supplemental healthcare. 100% reimbursement for paramedical practitioner services up to $300 per year, per practitioner. 100% reimbursement for vision care up to a $150 maximum every 2 years
  • Emergency travel medical for the first 60 days of a trip and $1 million lifetime maximum
  • Optional preventive dental and semi-private hospital room coverage

Learn more about the Standard plan

Enhanced plan

Our most comprehensive coverage, with a higher prescription drug maximum than the standard plan and optional dental coverage that includes restorative and orthodontic services.

  • For prescription drugs, 80% reimbursement for first $5,000 of annual eligible expenses and 100% reimbursement for next $245,000 of annual eligible expenses
  • 100% reimbursement for supplemental healthcare. 100% reimbursement for paramedical practitioner services up to $400 per year, per practitioner. 100% reimbursement for vision care up to $200 maximum every 2 years
  • Emergency travel medical for the first 60 days of a trip and $1 million lifetime maximum
  • Optional dental coverage for preventive, restorative and orthodontics and optional semi-private hospital room coverage

Learn more about our Enhanced plan

Get personal health insurance

Get a free online quote or to better understand which personal health insurance plan is right for your needs, talk to your advisor or find an advisor near you to help answer your questions. There is no cost to talk to an advisor.