Quebec residents must also have and continue to have health and drug coverage. This may be through a group benefit plan or through the Régie de l’assurance maladie du Québec (RAMQ). This policy doesn’t cover EHC for a person without a group plan or RAMQ coverage.
You can find out more in your plan brochure, but here is a summary showing coverage per family member covered:
OPTION 1 (INCLUDED IN THE BUNDLED PLAN) | OPTION 2 (AVAILABLE FOR PURCHASE INDEPENDENTLY) | |
---|---|---|
Evidence of good health |
No medical underwriting |
Medical underwriting required |
Prescription Drugs* |
80% of expenses up to a Plan Year maximum of $1,000 per covered person |
80% of expenses up to a Plan Year maximum of $10,000 per covered person |
Vaccines |
Up to $200 per covered person per Plan Year |
Up to $250 per covered person per Plan Year |
Paramedical |
80% up to a Plan Year combined maximum of $500 per covered person |
80% up to a Plan Year combined maximum of $1,000 per covered person |
Covered Paramedical Services |
|
|
Vision |
Not covered |
100% up to a Plan Maximum of $250 per covered person in a 24-month period. |
Eye-Exam |
Not covered | 100% up to a Plan Maximum of $100 per covered person in a 24-month period. |
Medical Services & Equipment |
100% up to a Plan Year Maximum: |
100% up to a Plan Year Maximum: $10,000 per covered person |
Hospitalization |
100% for a semi-private room; Maximum Per Day: $75 in-patient overnight stay Plan Year Maximum: $10,000 per covered person |
100% for a semi-private room; Maximum Per Day: $100 in-patient overnight stay Plan Year Maximum: $20,000 per covered person |
Emergency Out of Province |
Covered Services:
Coinsurance: 100% |
|
Emergency out of country |
Lifetime Maximum: $2 million per covered person |
Lifetime Maximum: $2 million per covered person |
*Doesn't cover charges above the lowest priced equivalent drug unless specifically approved by Sun Life. You can submit an exception form if there is a medical need for a different prescription drug.
Keep your family healthy with Lumino Health Virtual Care
Lumino Health Virtual Care is available to you and your family 24 hours a day, seven days a week.
It’s a platform that connects you with health-care providers to help you with your health needs.
With Lumino Health Virtual Care, you’ll be able to chat with a nurse for any questions related to your health. You can also consult a doctor through a secure video if a diagnosis or prescription is required, completely free of charge.
You can also consult other health professionals (e.g. nutritionists) for an additional fee.
Services are available through Dialogue secure platform. You can learn more about Lumino Health Virtual Care by visiting sunlife.ca/luminovc.
To help you determine your monthly premium, use our easy-to-use free online quote tool.
Sun Life will not issue payment if there is a loss from one or more of the following:
More details are in the plan brochure.
* Charges in excess of the lowest priced equivalent drug are not covered unless specifically approved by Sun Life. To assess the medical necessity of a higher priced drug, Sun Life will require you, your spouse, or your dependent child and the attending physician to complete and submit an exception form.
LEARN MORE
QUESTIONS?
Call us at 1-800-669-7921
Mon to Fri 8:00 a.m. to 8:00 p.m. ET
Sun Life Assurance Company of Canada is the insurer of this product, and is a member of the Sun Life group of companies.