Extended healthcare insurance

Give your wallet the gift of Extended healthcare insurance

Extended healthcare (EHC) insurance for dental hygienists is like having a benefits plan. It pays off at the pharmacy, the optician, a paramedical appointment or even if you have a stay in the hospital.

And, since you're a CDHA member, you get the advantage of group rates.

You'll use EHC coverage when you:

  • Need prescription drugs
  • Buy new glasses or contacts
  • Visit a massage therapist, physiotherapist, or chiropractor
  • Have a stay in the hospital (where you'll want a semi-private or private room)

Why choose CDHA EHC insurance?

  • You can make claims and check your coverage whenever and wherever it's convenient for you using the my Sun Life Mobile app
  • Quicker reimbursement thanks to online claims
  • Drug and travel coverage cards you carry on your smartphone
  • Group rates, thanks to your CDHA membership

You're eligible if you are:

  • A CDHA member in good standing (applies to first person covered)
  • Under the age of 60 for option 1 and under age 65 for option 2
  • A Canadian resident
  • Covered under their provincial health plan

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.

Meet the criteria? You can get EHC insurance for:

  • You

  • Couple

    (You + spouse)

  • Single + 1

    (You + child)

  • Family

    (You + spouse + all dependent children)

What are the coverage options?

You can find out more in your plan brochure, but here is a summary showing coverage per family member covered:

What are the coverage options?

  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

  • Massage Therapy
  • Physiotherapy
  • Psychologist
  • Massage Therapy
  • Physiotherapy
  • Psychologist
  • Speech Therapy
  • Naturopath
  • Dieticians
  • Occupational Therapy
  • Osteopath
  • Chiropractors
  • Acupuncturist
  • Podiatrist / Chiropodist

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:
$3,000 per covered person

100% up to a Plan Year Maximum:
$10,000 per covered person

Hospitalization
Excludes convalescent
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 for medical expenses due to a medical emergency while travelling outside your home province, but within Canada.

Covered Services:
  • semi-private hospital room
  • out-patient services
  • other hospital services
  • doctors services

Coinsurance: 100%
Trip duration: up to a maximum of 30 days after leaving the province
Travel Assistance

Emergency out of country
(outside of Canada)

Lifetime Maximum: $2 million per covered person
Coinsurance: 100%
Referral: 80%
Maximum per trip: $1 million

Lifetime Maximum: $2 million per covered person
Coinsurance: 100%
Referral: 80%
Maximum per trip: $1 million

*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.

Extra advantages

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.

Get a quick online quote

To help you determine your monthly premium, use our easy-to-use free online quote tool.

Exclusions

Sun Life will not issue payment if there is a loss from one or more of the following:

  • Declared or undeclared war, insurrection or rebellion
  • Voluntary participation in a riot or act of civil disobedience
  • Committing or attempting to commit a criminal offence
  • Missed or cancelled appointments
  • Examinations or services required solely for use by a third-party
  • Travel to and from appointments
  • Experimental (in the opinion of Sun Life’s medical consultant) care services or supplies
  • Services that wouldn’t be charged if you didn’t have this coverage or for which the person covered is not legally obligated to pay
  • Dental treatment except for specified dental injuries
  • Items for personal comfort or for use in connection with sports or other recreational activities
  • Appliances, restorations or treatment procedures related to temporomandibular joint dysfunction
  • Care, services or supplies available under Workers’ Compensation
  • Care, services or supplies obtained outside Canada

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.

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.