Insurance can help play a key role in protecting your finances. 
Talk to a Sun Life Financial advisor to find out how it can benefit you.

Personal health insurance can help you pay for health-care expenses that aren’t covered by your provincial or territorial health and drug plan or employee benefits. This includes coverage for: 

Medical equipment & supplemental services

Prescription drugs & eligible dental expenses

Recovery, physiotherapy & paramedical practitioners 

Emergency travel medical care & claims

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

If you were to get sick or injured, your government health plan may only cover a fraction of your medical bills. In some cases, you may not get any coverage at all. This means you could be left paying out-of-pocket to cover various health-care costs.

Lower the risk of unmanageable expenses as a result of an illness or accident. Personal health insurance helps you pay for what your healthcare plan or provincial insurance doesn’t.

Frequently Asked Questions

Personal health insurance can help anyone get the coverage they need to pay for various health-care expenses. It’s helpful as a layer of financial protection, especially if you don’t have health insurance or benefits through an employer.

For example, perhaps you’re self-employed or a contract worker. Or maybe you’re about to retire, in which case you might lose your employee health benefits. In these situations, it helps to have your own health coverage. So if you do get sick or injured, you won’t get stuck paying out-of-pocket for all your medical expenses. 

Your government health plan may only cover some of your health expenses. In some cases, you may not receive any coverage at all.

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

There are four types of health insurance to consider:

  1. Personal health insurance, which covers eligible medical, dental and other healthcare expenses.
  2. Disability insurance, which replaces part of your income if you can’t work.
  3. Critical illness insurance, which covers eligible expenses related to a covered critical illness.
  4. Long-term care insurance, which covers the cost of your care when you can’t perform two or more activities of daily living. Or, when you need ongoing supervision because your mental abilities have weakened. 

Got questions? We’re here to help with our great advice. 

Got questions? We’re here to help with our great advice.

An advisor can:

  • help you find out which insurance options are right for you,
  • help you figure out how much insurance you need to protect yourself and your loved ones, and
  • answer any questions or address any concerns you may have. 

Most advisors now offer to talk to Clients by phone or video chat. Find an advisor today.

Sun Life Assurance Company of Canada is the insurer, and is a member of the Sun Life group of companies. Sun Life Assurance Company of Canada is licensed to offer life and health insurance in all jurisdictions in Canada.