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Personal Health Insurance Basic plan

Our lowest-cost plan

Personal Health Insurance Basic plan is our lowest-cost option. It helps you pay for basic medical and dental expenses. If you want more benefits with higher coverage limits, consider our Personal Health Insurance Standard or Enhanced plans.

Getting Started

  • You should consider this plan if:

  • You don't have health benefits through your employer, you're losing your group coverage or your current coverage is not enough
  • You want catastrophic drug and emergency travel medical coverage

Learn more about eligibility requirements for this plan.

Support questions

Related products

Plan details:

Prescription drugs

  • Pay-direct drug card (except in Quebec)
  • 60% reimbursement
  • No deductible
  • $750 annual maximum of eligible expenses can be claimed
  • Up to $5 paid towards dispensing fee on prescriptions
  • Includes smoking cessation drugs ($250 lifetime maximum)
  • Excludes:
    • contraceptives
    • fertility drugs
    • dietary supplements, vitamins
    • over-the-counter medications, even if prescribed by a physician
    • drugs to treat obesity

Dental

  • 60% reimbursement
  • $500 annual maximum
  • Recall visits every 9 months
  • 3-month waiting period before coverage begins
  • Preventive dental coverage includes:
    • Examinations and diagnosis
    • Tests, x-rays and lab exams
    • White fillings
    • Space maintainers for children under 12 years of age
    • Scaling, minor extractions
    • Pit and fissure sealant for children under 19 years of age

  • No coverage. Coverage for restorative dental care is available on the Enhanced plan as part of the optional dental benefit.

  • No coverage. Orthodontics coverage is available on the Enhanced plan as part of the optional dental benefit.

Supplemental healthcare

  • 60% reimbursement
  • $400 maximum every 5 years

  • 60% reimbursement
  • $2,000 per fracture or injury

  • 60% reimbursement
  • Ground or air ambulance services

  • 60% reimbursement
  • $2,500 annual maximum combined with in-home nursing and home care
  • $20,000 lifetime maximum combined with in-home nursing and home care

The following items are covered to a maximum of $2,500 per year and $20,000 lifetime combined with in-home nursing and home care:

  • Artificial limbs or other prosthetic appliances
  • Orthopaedic shoes and orthotics, limited to a maximum $150 in a calendar year
  • Splints and crutches
  • Casts
  • Braces
  • Wigs and hairpieces, limited to a maximum $100 in a calendar year
  • Oxygen
  • Diagnostic laboratory tests and x-ray examinations
  • Blood glucose monitor, limited to $150 per 5-year period
  • Rental, or purchase at our option, of durable equipment required for use in the patient's home and that we have approved. Eligible durable equipment includes, but is not limited to, items such as:
    • wheelchairs ($1,000 lifetime maximum)
    • walkers
    • hospital beds
    • traction kits
  • For Quebec residents only: medically necessary MRIs, ultrasounds, CAT and CT scans to a combined maximum of $750 in a calendar year

  • 60% reimbursement
  • $2,500 annual maximum combined with medical equipment and services
  • $20,000 lifetime maximum combined with medical equipment and services

*In-home nursing includes services of registered nurses, registered practical nurses or registered nursing assistants.

Paramedical practitioners

  • 60% reimbursement
  • $25 maximum per visit
  • Up to $250 per year, per practitioner
  • Paramedical practitioners include: acupuncturists, chiropractors, naturopaths, osteopaths, physiotherapists, podiatrists/chiropodists, psychologists, registered massage therapists, speech language pathologists

Vision care

Emergency travel medical

Semi-private hospital room

This is an optional benefit with this plan and includes:

  • 85% reimbursement
  • Coverage up to $200 daily and $5,000 annually
  • Convalescent hospital:* $20 per day up to 180 days per incident

If you are pregnant at the time your application, we will pay for up to 2 days of hospitalization due to pregnancy.

*Convalescent hospitals are facilities licensed to provide convalescent care and treatment for sick or injured patients on an in-patient basis.

Additional services

  • Best Doctors® services are available to help you understand your medical condition and treatment options so you can make informed decisions about your healthcare.1
  • Access to mysunlife.ca and the my Sun Life Mobile app lets you manage your personal health insurance plan online.

1Best Doctors isn't part of the policy. We can't guarantee its availability. It may be withdrawn at any time.

BEST DOCTORS® and other trademarks shown are trademarks of Best Doctors, Inc. Used under license.

Age requirements

  • Coverage is available for new applicants age 69 and under and is renewable for customers over 70.
  • You and everyone included in your application must be age 69 or under on the date you apply.

Eligibility

You are eligible for coverage if:

  • You are in Canada when you complete and submit the application
  • You and your family members are residents of Canada and have provincial healthcare coverage
    • Quebec residents must also have and continue to have group drug coverage provided by an employer, through membership in an order or association or through the Régie de l'assurance maladie du Québec (RAMQ). A person not covered under a group benefit plan or through RAMQ is not eligible for coverage.
  • Your dependent children are under age 25 (dependent children aged 21 to 24 must be full-time students)

You are not eligible for coverage if:

  • You had or have any of these illnesses or conditions
  • You are currently awaiting doctor recommended tests or investigations
  • You have a pending surgery

More information

  • You must also apply to your provincial government health plan first, then submit a claim to us for the unpaid portion.
  • All annual or lifetime maximums are per person and based on a calendar year (January 1 to December 31).
  • We may change rates each year. If we do change the rates, we'll send you written notice 45 days before the change.
  • Waiting periods begin on the date the policy becomes effective.
  • This page does not form part of your policy. If there are any inconsistencies between the content on this page and your policy, the terms of your policy will apply. Your policy includes exclusions and limitations of coverage.

Sample policies

Read examples of text that can appear in a policy. Not all the provisions apply to every policy –it is simply for your reference. When we issue a policy it governs the legal relationship between us and our client. An actual policy can have provisions that are somewhat different from those that you've read here.

Basic plan with semi-private hospital room coverage

Standard plan with semi-private hospital room coverage - Quebec

Enhanced plan with dental and semi-private hospital room coverage

Get Personal Health Insurance

Get a free online quote or to better understand which personal health insurance plan is right for your needs, talk to your advisor or find an advisor near you to help answer your questions. There is no cost to talk to an advisor.

  • Get a quote

    You can buy some of our health insurance products online.

    Get a quote

    Apply now

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

     

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Have questions? Let us help. Contact us