Personal health insurance helps lower the risk of unexpected medical expenses. It also helps you cover preventative care so you can stay healthy. While provincial health plans cover many health expenses, there are gaps that may leave you with big expenses.
Leaving an employer’s group benefits plan? Apply for Health Coverage Choice within 60 days of leaving a group plan. You can get coverage up to $300,000 with no medical questions or exams.
For more information on Personal Health Insurance and Health Coverage Choice eligibility, here are the most frequently asked questions.
Everyone on the application must be:
Health Coverage Choice applicants must have had similar coverage under a group benefits plan. You can only apply for coverage within 60 days of your group plan ending.
If you have applied for Personal health insurance and denied coverage, you will not be eligible to apply for Health choice coverage.
You can include a person who is:
Anyone included on your personal health insurance plan should be legally living in Canada.
No, when you choose a plan, coverage will be the same for each family member.
If you'd like to choose different coverage for the adults, you can apply for 2 separate plans individually.
If you have children, you can include them on one of the adult plans but you won't get the discounted family price. You pay less as a family than you would as individuals.
You may include your spouse and as many dependents as you like.
Remember to gather the information you need before you apply. The birthdate of each person to be included on the application and their medical information (name and addresses of the family doctors and details of prescription drugs).
Speak with one of our licensed financial services consultants (registered as financial security advisors in Quebec), who are dedicated to assisting members who are leaving their plan.
Monday - Friday: 8 a.m. - 8 p.m. ET
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.