We’ve noticed a rise in COVID-19 scams by email, text and phone. Please be cautious. Here’s how you can protect yourself and what to do if you suspect fraud. You can also find the latest info on how we’re responding to the pandemic at sunlife.ca/covid-19.

Pre-existing illnesses and conditions

This is a partial list of common conditions that result in uninsurability for Personal Health Insurance, there may be other conditions that may also be uninsurable. Please do not submit a Personal Health Insurance application for coverage if you have one of these conditions. You can still submit a Health Coverage Choice application if you have one of these conditions and meet the Health Coverage Choice eligibility criteria.

  • AIDS or tested positive for HIV
  • Alzheimer's disease or dementia
  • Aneurism (abdominal or aortic)
  • Angina
  • Anorexia nervosa/bulimia within the last five years
  • Anxiety, depression or mood disorder resulting in recent hospitalization or time off work
  • Cancer within the last ten years
  • Cerebral palsy
  • Congestive heart failure
  • Coronary artery disease including bypass grafting
  • Cystic fibrosis
  • Down syndrome
  • Drug/alcohol abuse within the last five years
  • Heart attack
  • Heart valve replacement
  • Hepatitis B, C, D
  • Huntington's chorea
  • Hydrocephalus
  • Kidney disease
  • Liver disease (chronic), including cirrhosis
  • Major organ transplant
  • Morbid obesity
  • Multiple sclerosis
  • Muscular dystrophy
  • Pacemaker
  • Paralysis treatment by angioplasty or coronary artery
  • Parkinson's disease
  • Peripheral vascular disease
  • Schizophrenia
  • Spina bifida
  • Stroke (cerebral vascular accident) or TIA
  • Systemic lupus erythematosus
  • Get insurance

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    Online purchase of Personal Health Insurance is not available in Quebec. An advisor can help you apply.