Personal health insurance helps you cover unexpected medical expenses, and preventive care so you can stay healthy. While provincial health plans cover many health expenses, there are gaps that may leave you with big expenses.
For more information on payments and premiums for Personal Health Insurance, here are the most frequently asked questions.
You have two options to pay for your Personal Health Insurance.
Payments for Personal Health Insurance begin the day we approve your coverage. We’ll withdraw the first payment from your bank account or credit card. Schedule your payments to be withdrawn:
Retail sales tax (RST) is not applicable to personal health insurance products.
The premium is determined according to the age of each insured person and the province where they live. We determine premium based on:
Premiums are subject to change if:
No, when you make a claim for Personal Health Insurance, your premiums will not go up. Rates are adjusted based on the experience of people in your same age category, with the same product and plan.
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.