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:
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 |
|
|
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.
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.
LEARN MORE
QUESTIONS
MY SUN LIFE MOBILE
- Submit claims
- Check coverage details
- Easy access to coverage card
- Fast and easy payments
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.