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Buy Personal Health Insurance online

Personal health insurance helps you pay for medical expenses that provincial or territorial health plans in Canada don’t cover. It can also cover preventive care that you and your family can use to stay healthy.

If your group benefits plan with an employer is ending within 60 days, you can apply for Health Coverage Choice for uninterrupted health coverage.

Buy Personal health Insurance online

Benefits of Personal health Insurance

  • Manage the burden of unexpected and ongoing medical expenses.
  • Get a family discount for your spouse and dependents for the same coverage.
  • Choose Basic, Standard or Enhanced coverage to suit your needs.
  • Flexible options for semi-private hospital room, and dental coverage.
  • Get a 10-day free look, and refund of premiums paid.

Get a quote & apply online 

Apply for Personal health insurance online

Step 1 Step 1

Determine your eligibility

  • Legally living in Canada, and
  • Covered under the provincial health plan in your province of residence in Canada.
  • Your dependent children are under 25 years old. Dependent children 21 to 24 years old must be full-time students.
  • You’re not eligible to apply if you had or have any of these illnesses or conditions, are currently awaiting the results of doctor-recommended tests. 
Step 2 Step 2

Choose a plan

Sun Life Canada offers three personal health insurance coverage plans. Decide which plan you want and find the monthly premium. If you wish, add a spouse, dependents, and any optional coverage.

Basic Plan- Lowest cost plan helps you budget for basic medical and dental insurance needs.

You’re covered for:

  • Prescription drugs: 60% reimbursement of annual eligible expenses to an annual maximum of $750.
  • Dental coverage: 60% reimbursement for preventive dental care with a $500 annual maximum.
  • Health care: 60% reimbursement for supplemental healthcare.
  • Paramedical expenses: 60% reimbursement with a $25 per-visit maximum on paramedical practitioner services up to $250 per year per practitioner.
  • Vision care: No coverage. 

You can add optional coverage for:

  • Semi-private hospital room.

Learn more about the basic plan

Popular plan includes catastrophic drug, emergency travel medical and optional preventive dental insurance coverage.

You’re covered for:

  • Prescription drugs: 70% reimbursement for first $7,000 and 100% for the next $93,000 of annual eligible expenses.
  • Health care: 100% reimbursement for supplemental healthcare.
  • Paramedical expenses: 100% reimbursement for paramedical practitioner services up to $300 per year, per practitioner.
  • Vision care: 100% reimbursement for vision care up to $150 maximum every 2 years.
  • Emergency travel medical: For the first 60 days of a trip with a $1 million lifetime maximum on emergency travel medical claims.

You can add optional coverage for: 

  • Semi-private hospital room. 
  • Dental coverage.

Learn more about this standard plan

Comprehensive coverage, with a higher prescription drug maximum and optional dental insurance coverage that includes restorative and orthodontic services.

You’re covered for:

  • Prescription drugs: 80% for first $5,000 and 100% of next $245,000 of annual eligible expenses.
  • Health care: 100% reimbursement for supplemental healthcare.
  • Paramedical expenses: 100% reimbursement for paramedical practitioner services up to $400 per year, per practitioner.
  • Vision care: 100% reimbursement for vision care up to $200 maximum every 2 years.
  • Emergency travel medical: For the first 60 days of a trip with a $1 million lifetime maximum on emergency travel medical claims.

You can add optional coverage for:

  • Semi-private hospital room 
  • Dental insurance coverage

Learn more about this enhanced plan

Step 3 Step 3

Apply

You’ll need the contact information of your family doctor or clinics that have your medical records, along with the prescription details for everyone on the application. Choose to pay with your credit card (Visa or MasterCard) or chequing account. Selecting credit card lets us process your application faster. If you choose to pay using your chequing account, please send the completed form below.

Form 4392:  Pre-Authorized Chequing For Online Application

Quebec residents must fill and send the following form on their RAMQ coverage details along with the web application form:

Confirmation of coverage through a group benefits plan or through Régie de l’assurance maladie du Québec (RAMQ)

Get a quote and apply online

Get Personal Health Insurance

Three ways to buy

  • Apply online

    You can find a new plan in 3 easy steps:

    1. Tell us about yourself
    2. Select your coverage
    3. Get a quote

     

    Get started

  • Give us a call

    Our team of licensed financial services consultants (registered as financial security advisors in Quebec) can assess your coverage needs and recommend solutions.

    1-866-292-2517

    Monday - Friday: 8 a.m. - 8 p.m. ET

  • Work with a Sun Life advisor

    Sun Life advisors look carefully at your specific needs to help you develop a personalized plan. They'll work with you to understand your goals and what you want to achieve.

    Find an advisor