• Sun Life is aware of phishing scams targeting Canadians related to the launch of the Canadian Dental Care Plan.

    Learn more by visiting the Alerts page.

What is personal health insurance?

Personal health insurance (also known as private health insurance) is coverage that can help Canadian residents cover the cost of preventive care or medical bills due to an illness. It can help pay for several health-related expenses, including:

  • Prescription drugs to treat a chronic or serious health condition
  • Dental care such as teeth cleanings, braces, dentures and crowns
  • Vision-care needs such as eye exams and prescription glasses
  • Emergency travel medical services when you travel to another country
  • Physiotherapy to help with injury recovery 
  • Medical equipment to help with your mobility

Why do you need personal health insurance if you have government healthcare?

Provincial and territorial health plans in Canada provide coverage for certain health expenses, but they generally won’t pay for all your medical bills. In some cases, you may not get any coverage at all and may have to pay out-of-pocket for various health-care costs.

With personal health insurance, you’ll get reimbursed for eligible health expenses. This can include medical, dental, vision and other health-care expenses that aren’t fully covered (or covered at all) by your government healthcare plan.

Benefits of personal health insurance

Pays for eligible expenses your government health plan won’t cover. 


Pays for eligible prescription drugs, dental, vision care, physiotherapy and more. 

Helps protect you if don’t have benefits through your employer. 


Our Personal Health Insurance plans in Canada



Low-cost plan.



Covers basic medical and dental needs.





Learn more about the Basic plan


Sample contract                                



Our most popular plan.


Includes more coverage for prescription drugs than a basic plan. 


Comes with emergency medical coverage for travel and optional preventive dental coverage.


Learn more about the Standard plan


Sample contract



Our most comprehensive plan. 


Highest amount of coverage for prescription drugs. 


Offers optional dental coverage that includes restorative and orthodontic services.


Learn more about the Enhanced plan


Sample contract

Got more questions?


A Sun Life advisor can answer any questions you have and help you figure out which insurance products are right for you.