Extended Health Care (EHC)

Health and Dental insurance that keeps your wallet healthy too

The cost of prescription drugs, a visit to the optician, a paramedical appointment or even a stay in the hospital can all add up. Extended Health Care (EHC) Insurance covers many basic health costs. You can even make trips to the dentist less painful by choosing a plan with dental care.

You’ll use your coverage when you:

  • need prescription drugs1
  • buy new glasses or contacts
  • see a variety of medical practitioners, including massage therapists, physiotherapists, chiropractors and more
  • have a stay in the hospital (where you’ll want a semi-private or private room)
  • visit the dentist (if you choose an option with dental care coverage)

Why choose EHC and Dental Insurance?

  • Choice of five plans, so you get the best solution for your needs
  • Savings, thanks to group pricing

Extra advantages

Access your EHC and Dental benefit and claims information quickly and easily.

By visiting mysunlife.ca or using our mobile app, if you have coverage, you can:

  • Find out what your health and medical plans cover
  • Submit claims for instant processing
  • Submit a copy of a receipt by snapping a photo 
  • Easily check the status of your claims
  • Get help faster by calling us from within the app – we’ll have your plan details ready to go
  • Have your coverage cards handy wherever you go in the app and Apple Wallet
  • Use the drug-look-up tool to find out how much of your prescription drug costs are covered – we may even be able to suggest a less-expensive generic equivalent
  • Find healthcare providers in your area
  • Keep up with product and service updates, special offers and helpful reminders by viewing ‘My Notifications’

To learn more about the my Sun Life mobile app visit sunlife.ca/mobile.


You're eligible if you are:

  • a member in good standing, working a minimum of 25 hours a week,
  • between the ages of 18 and 65 (coverage ends on member’s 75th birthday),
  • a resident of Canada, and
  • covered under your provincial health insurance (plus RAMQ in Quebec).

Meet the criteria? You can get Extended Health Care and Dental Insurance for:

You

Couple

(You + spouse)2

Child(ren)


What’s the cost?

Check out the rate sheets for a quick estimate.


What are the coverage options?

There are five health care plans available. Choose the plan that’s right for you.

DENTAL CARE
BENEFIT DETAILS
OPTIONS Basic Standard Standard Plus Enhanced Enhanced Plus
Extended Heath Care

Prescription drugs

 

70%

70% of the first $1,000 of expenses, 80% of the excess

70% of the first $800 of expenses, 80% of the excess

80% of the first $3,000 of expenses, 90% of the excess

80% of the first $3,000 of expenses, 90% of the excess

Dispensing fee maximum 

100% up to $6.50 per prescription
or refill

100% up to $6.50 per prescription
or refill

100% up to $6.50 per prescription
or refill

80%
No maximum

80%
No maximum

Oral contraceptives

No

No

No

Yes

Yes

Plan year maximum

$750 per person

$5,000 per person

$3,500 per person

$12,000 per person

$12,000 per person

Paramedical Services

Registered Specialists

70%

80%

80%

90%

90%

Plan year maximum per specialty

$350 per person

$480 per person

$480 per person

$600 per person

$600 per person

Plan year combined maximum

$600 per person

$800 per person

$800 per person

$1,000 per person

$1,000 per person

Travel Expenses

Expenses out of your province

No

100%

100%

100%

100%

Emergency Travel Assistance

No

First 15 days

First 20 days

First 30 days

First 30 days

Hospital Expenses

Hospital expenses in your province

No

80%

80%

90%

90%

Convalescent hospital

No No No No Yes

Private Duty Nursing

 

70%

80%

80%

90%

90%

Plan year maximum

$2,500 per person

$5,000 per person

$5,000 per person

$7,500 per person

$7,500 per person

Lifetime maximum

$10,000 per person

$15,000 per person

$15,000 per person

$20,000 per person

$20,000 per person

Ambulance

 

70%

80%

80%

90%

90%

Medical Services, Equipment, Supplies and other services

 

70%

80%

80%

90%

90%

Wigs (maximum
per person)

$100 per plan year

$500 lifetime

$500 lifetime

$500 lifetime

$500 lifetime

Wheelchairs
(lifetime maximum)

$1,000 per person

$1,000 per person

$1,000 per person

$1,200 per person

$1,200 per person

MRI and other services (plan year maximum) - Quebec only

$750 per person

$1,000 per person

$1,000 per person

$1,200 per person

$1,200 per person

Orthotic inserts and orthopedic shoes (plan year maximum)

$250 per person

$250 per person

$250 per person

$300 per person

$300 per person

Glucometers (maximum in any 5-year period)

$150 per person

$300 per person

$300 per person

$300 per person

$300 per person

Casts, splints, trusses, canes and crutches
(plan year maximum)

Up to the Plan year combined maximum shown below

$500 per person

$500 per person

$500 per person

$500 per person

Breast prosthesis
(plan year maximum)

Up to the Plan year combined maximum shown below

$200 per person

$200 per person

$200 per person

$200 per person

Hospital beds
(lifetime maximum)

Up to the Lifetime maximum shown below

$1,000 per person

$1,000 per person

$1,200 per person

$1,200 per person

Plan year combined maximum

$1,000 per person

$1,500 per person

$1,500 per person

$2,000 per person

$2,000 per person

Lifetime maximum

$20,000

$20,000

$20,000

$20,000

$20,000

Hearing aids

 

70% with a maximum in any 5-year period of $350 per person

80% with a maximum in any 5-year period of $400 per person

80% with a maximum in any 5-year period of $450 per person

90% with a maximum in any 5-year period of $550 per person

90% with a maximum in any 5-year period of $550 per person

Vision care

 

100%

100%

100%

100%

100%

Waiting period

None

1 year

1 year

1 year

1 year

Maximum in any 2 plan years

Eye exam only

$150 per person

$150 per person

$250 per person

$250 per person

EHC lifetime maximum per person

Out-of-province emergencies

No

$3,000,000

$3,000,000

$3,000,000

$3,000,000

All other expenses

$100,000

$300,000

$300,000

$500,000

$500,000

Preventive and
Basic

No

No

70%

3 month waiting period
 

No

80%

3 month waiting period

Major

No

No

No

No

50%

6 month waiting period
 

Orthodontics

No

No

No

No

60%

1 year waiting period
 

Dental Maximum
per plan year
per person

No

No

$750 for Preventive and Basic combined

No

$750 for Preventive and Basic combined

$500 for Major

Lifetime per person

No

No

No

No

$1,500 for Orthodontics

LOCK-IN PERIOD

2 years

2 years

2 years

2 years

2 years

CHANGES IN OPTIONS

Subject to the lock-in period indicated above, you can change your option on the Policy Anniversary. Evidence of insurability is required if you are moving up an option.

You can find out more in your plan brochure.

Coverage ends at:

  • Age 75
  • The date that any person who is not entitled to benefits under a provincial medicare plan or federal government plan that provides similar benefits (for Quebec: RAMQ equivalent)

Take these three steps to apply:

Medical underwriting is required


Exclusions:

  • procedures performed primarily to improve appearance
  • replacement of dental appliances that are lost, misplaced or stolen
  • charges for appointments that a person does not keep
  • charges for completing claim forms
  • services or supplies for which no charge would have been made in the absence of this coverage
  • supplies usually intended for sport or home use, such as mouth guards
  • procedures or supplies used in full mouth reconstruction (capping all of the teeth in the mouth), vertical dimension corrections (changing the way the teeth meet) including attrition (worn down teeth), alteration or restoration of occlusion (building up and restoring the bite), or for the purpose of prosthetic splinting (capping teeth and joining teeth together to provide additional support)
  • charges related to implants, including surgery charges
  • charges related to temporomandibular joint (TMJ) treatment
  • transplants and repositioning of the jaw
  • experimental treatments
  • hostile action of any armed forces, insurrection or participation in a riot or civil commotion
  • dental services required due to congenital malformation
  • participation in a criminal offence

This website is intended only as an outline of the insurance policy, which is available upon request. The complete terms, conditions, exclusions and limitations governing the insurance coverage are found in the group insurance policy issued by Sun Life Assurance Company of Canada. The  policy can be obtained by calling Sun Life Financial at 1-800-669-7921 Monday to Friday, 8 a.m. to 8 p.m. ET or emailing servicecsc@sunlife.com.