Personal Health Insurance Standard plan

Our most popular plan

Personal Health Insurance Standard plan is our most popular plan. Catastrophic drug coverage and emergency travel medical are included in this plan. If you want a lower-cost option that covers basic expenses, consider our Personal Health Insurance Basic plan. If you want higher coverage levels including restorative dental and orthodontics, consider our Personal Health Insurance Enhanced plan.

Plan details:

Prescription drugs

  • Pay-direct drug card (except Quebec)
  • 70% reimbursement for the first $7,000 of annual eligible expenses (that means up to $4,900 of expenses will be paid), 100% reimbursement for the next $93,000 of annual eligible expenses
  • $100,000 annual maximum of eligible expenses can be claimed
  • No deductible
  • Includes smoking cessation drugs ($250 lifetime maximum)
  • Excludes:
    • contraceptives
    • fertility drugs
    • dietary supplements, vitamins
    • over-the-counter medications, even if prescribed by a physician or nurse practitioner
    • drugs to treat obesity


This is an optional benefit with this plan and includes:

  • 70% reimbursement
  • $750 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. Restorative dental care is available on the Enhanced plan as an optional benefit.

  • No coverage. Orthodontics is available on the Enhanced plan as an optional benefit.

Supplemental healthcare

  • 100% reimbursement
  • $500 maximum every 5 years

  • 100% reimbursement
  • Limited to $2,000 per fracture or injury

  • 100% reimbursement
  • Ground or air ambulance services

  • 100% reimbursement
  • $5,000 annual maximum

The following items have a combined $5,000 annual maximum:

  • Orthopaedic shoes and orthotics, limited to $225 in a calendar year
  • Splints and crutches limited to $500 in a calendar year
  • Casts
  • Braces
  • Wigs and hairpieces, limited to $500 lifetime maximum
  • Oxygen
  • Continuous glucose monitors
  • Diagnostic laboratory and x-ray examinations
  • Blood glucose monitor, limited to $300 during a 5-year period
  • Rental, or purchase at our option, of durable equipment required for use in the patient's home and is approved by us. Eligible durable equipment includes, but is not limited to, items such as:
    • Wheelchairs, to a $4,000 lifetime maximum
    • walkers
    • hospital beds, to a maximum of $1,500 lifetime
    • traction kits
    • artificial limbs or other prosthetic appliances, breast prostheses are limited to $200 in a calendar year
    • For Quebec residents only: medically necessary MRIs, ultrasounds, CAT and CT scans

  • 100% reimbursement
  • Combined $5,000 annual maximum and combined $25,000 lifetime maximum

*Private duty nursing includes services of registered nurses, registered practical nurses or registered nursing assistants

Paramedical practitioners

  • 100% reimbursement
  • No per-visit maximum
  • Up to $300 per year, per type of practitioner
  • Increased coverage for psychology and social worker services to a shared maximum of $1,000 per year
  • Paramedical practitioners include: acupuncturists, chiropractors, naturopaths, osteopaths, physiotherapists, podiatrists, chiropodists, psychologists, social workers, registered massage therapists, speech language pathologists

Vision care

  • 100% reimbursement
  • $250 maximum every 2 calendar years, including $50 maximum per year per eye exam
  • 1-year waiting period before coverage begins
  • Includes coverage for: prescription eyeglasses, prescription contact lenses, prescription sunglasses and laser eye surgery

Emergency travel medical

  • 100% reimbursement
  • $1 million lifetime maximum
  • Coverage provided for the first 60 days of a trip
  • Covers travel outside of your province or outside of Canada
  • Available until the age of 80
  • If you have a pre-existing medical condition where symptoms have appeared or required medical attention, hospitalization or treatment (this includes changes in medication or dosage), and existed during the 9 months before your trip, expenses related to this condition are not included.

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 of application, we will pay for up to 2 days of hospitalization due to pregnancy.

*Convalescent hospitals (facility licensed to provide convalescent care and treatment for sick or injured patients on an in-patient basis)

Additional services

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.


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 or territorial health and drug 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 or territorial government health and drug 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 at least 30 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.

Find more exclusions and limitations in the Standard plan with semi-private hospital room coverage sample policy.

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