Health Coverage Choice

Health benefits after you leave your job

If you’re leaving a group benefits plan that provided you with health benefits, you can apply for Health Coverage Choice and have a lifetime coverage maximum up to $300,000.

  • There's no medical exam, and you can get coverage for you, your spouse and your dependent children if they were covered under your group health plan. 
  • If you’re age 18-74, you have 60 days after your workplace or retiree group coverage ends to replace it with Health Coverage Choice.
  • You won’t have any interruption in coverage.
  • All covered persons must be residents of Canada and covered under provincial or territorial health and drug insurance.

Compare your options

Review the differences in the types of plan coverage below and determine what may best meet your needs.

  Health and Dental Choice A Health Choice B Health Choice C
Coverage overview
  • A dependable solution that helps protect you and your family for core medical, vision and dental expenses at an affordable cost
  • No emergency travel medical coverage
  • An enhanced plan that provides expanded medical coverage for you and your family, including emergency travel medical and optional dental
  • A complete solution if you and your family need medical, emergency travel medical and optional dental coverage with higher annual and lifetime coverage maximums

Eligible expense limits

Lifetime maximum

 $250,000 excluding dental $250,000 excluding dental and emergency travel medical $300,000 excluding dental and emergency travel medical

Drugs

Maximum for prescription drugs

 80% reimbursement up to $500 per year 80% reimbursement up to $1,300 per year 80% reimbursement up to $2,600 per year

Dental coverage

Included

Preventive

  • 80% reimbursement up to $700 per year

Optional

Preventive

  • Restorative 50% reimbursement (1‑year waiting period applies)
  • 80% reimbursement $700 annual maximum combined with Restorative

Restorative

  • 50% reimbursement (1‑year waiting period applies)

Optional

Preventive

  • 80% reimbursement
  • Year 1: $750 annual maximum
  • Year 2+: $1,000 annual maximum combined with Restorative

Restorative 

  • 50% reimbursement (1‑year waiting period applies)

Health care

Supplemental health care
  • 80% reimbursement
  • Up to $25 per visit for paramedical practitioner services
  • Maximum $250 per year per type of practitioner
  • Up to $60 per visit and maximum of $300 per year for Psychologists/Social workers
  • 100% reimbursement
  • 100% reimbursement for paramedical practitioner service
  • Maximum $300 per year per type of practitioner
  • Combined maximum of $500 per year
  • Up to $70 per visit up to 7 visits per year for Psychologists/Social workers
  • 100% reimbursement
  • 100% reimbursement for paramedical practitioner services
  • Maximum $300 per year per type of practitioner
  • Combined maximum of $650 per year
  • Up to $75 per visit up to 10 visits per year for Psychologists/ Social workers

Vision coverage
  • 100% reimbursement
  • $150 maximum every 2 years, including $50 maximum per eye exam
  • 100% reimbursement
  • $200 maximum every 2 years, including $50 maximum per eye exam
  • 100% reimbursement
  • $300 maximum every 2 years, including $50 maximum per eye exam

Semi-private hospital room
  • 50% reimbursement
  • $5,000 annual maximum
  • $175 daily maximum
  • 85% reimbursement
  • $5,000 annual maximum
  • Convalescent hospital: $20 per day up to 180 days per incident
  • $200 daily maximum
  • 85% reimbursement
  • $5,000 annual maximum
  • Convalescent hospital: $20 per day up to 180 days per incident
 

Learn more about Health and Dental Choice A

 Learn more about Health Choice B Learn more about Health Choice C
  Sample policy Sample policy Sample policy
  Get a quote Get a quote Get a quote

Looking for a plan with lower rates and higher coverage maximums?

If you don’t mind answering a medical questionnaire, you could benefit from lower rates with some other coverage we have. Learn more about Personal Health Insurance.

Related products

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

    Apply online

  • Give us a call

    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.

    1-877-893-9893

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

    Request a call

  • Work with a Sun Life Financial advisor

    Sun Life Financial 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