Individual health insurance plans

What is personal health insurance?
Personal health insurance products help lower your risk of being burdened by expenses for preventive care or medical bills as a result of an illness or accident. While provincial health plans provide coverage for many health expenses, there are gaps that can have a significant impact on your finances. For example, depending on the province or territory where you live, you may have to pay for:

Prescription drugs to treat a chronic or serious health condition
Emergency medical services provided in another country
Practitioners like physiotherapists to promote wellness or help with injury recovery
Medical equipment to assist with your mobility
Sun Life offers 2 personal health insurance products: Personal Health Insurance and Health Coverage Choice.

You should consider personal health insurance if:
You don’t have health benefits through your employer
You’re losing your group coverage
You’d like additional benefits not offered by your employer’s plan or your province’s health coverage. You must have provincial health coverage to apply for personal health insurance.
Learn more about eligibility requirements for this product.

Which product is right for you?
Personal Health Insurance
If you want higher coverage levels and are willing to be medically underwritten – where we review your health in greater depth through tools such as a detailed health questionnaire – then you should consider Personal Health Insurance. See plan details below.

Health Coverage Choice
If you’ve lost your group benefits coverage in the last 60 days – or will be losing your group benefits – because you are leaving your job or retiring, and you want coverage for your current health needs, you should consider Health Coverage Choice. There is no medical underwriting with this product.

Learn more about Health Coverage Choice

We offer 3 Personal Health Insurance plans:
Personal Health Insurance is for you if you don’t have adequate employer group benefits coverage. You can choose among plans with differing levels of coverage. Each person included on a Personal Health Insurance application must have provincial health coverage and will be medically underwritten.

Basic plan
Our lowest-cost plan helps you budget for basic medical and dental needs.

60% reimbursement for prescription drugs with a $750 annual maximum
60% reimbursement for supplemental healthcare expenses. 60% reimbursement with a $25 per-visit maximum on paramedical practitioner services up to $250 per year per practitioner
60% reimbursement for preventive dental care with a $500 annual maximum
Semi-private hospital room coverage is optional. No coverage for emergency travel medical or vision care
Learn more about the Basic plan
Standard plan
Our most popular plan includes catastrophic drug, emergency travel medical and optional preventive dental coverage.

For prescription drugs, 70% reimbursement for first $7,000 and 100% reimbursement for next $93,000 of annual eligible expenses
100% reimbursement for supplemental healthcare. 100% reimbursement for paramedical practitioner services up to $300 per year, per practitioner. 100% reimbursement for vision care up to a $150 maximum every 2 years
Emergency travel medical for the first 60 days of a trip and $1 million lifetime maximum on emergency travel medical claims
Optional preventive dental and semi-private hospital room coverage
Learn more about the Standard plan
Enhanced plan
Our most comprehensive coverage, with a higher prescription drug maximum than the standard plan and optional dental coverage that includes restorative and orthodontic services.

For prescription drugs, 80% reimbursement for first $5,000 of annual eligible expenses and 100% reimbursement for next $245,000 of annual eligible expenses
100% reimbursement for supplemental healthcare. 100% reimbursement for paramedical practitioner services up to $400 per year, per practitioner. 100% reimbursement for vision care up to $200 maximum every 2 years
Emergency travel medical for the first 60 days of a trip and $1 million lifetime maximum on emergency travel medical claims
Optional dental coverage for preventive, restorative and orthodontics and optional semi-private hospital room coverage
Why do Canadians need health insurance and dental insurance?
But what if you have health insurance coverage through work? While it’s true that many Canadians have group coverage through their employer, their group-based plan may not cover all medical services. For example, while someone covered by a workplace group coverage plan may find they have coverage for a few appointments with a registered massage therapist, that coverage doesn’t last throughout the year.

Supplemental Health Insurance Quote – Easy as A-B-C
A/ Compare Premiums with EasyInsure.ca – we shop around for you!

B/ Purchase Online or by phone.

C/ Manage all your insurance policies in one place.

Take another example of how supplemental health insurance provides relief for you and your family. Say your work provides you with $500 to buy prescription glasses every two years. But after a few months you decide that the glasses you chose aren’t to your liking – they’re uncomfortable or unattractive. With additional coverage through EasyInsure, you can acquire a new set of eyeglasses without having to wait another two years.

This gap between provincial healthcare plans and employment-based group coverage on one hand, and the ultimate requirements of the average Canadian family on the other, can present significant financial challenges. That’s where EasyInsure’s Individual Health Insurance plan comes into play. EasyInsure offers a comprehensive coverage package that’s designed to help all Canadians meet their medical requirements, whether they’re a single young person, a newly married couple, or a growing family.

EasyInsure Health Insurance Plan Highlights

The health insurance plan can be quoted and purchased online
The health insurance plan is flexible with 6 different coverage options for singles, couples, same-sex couples, single parents and families
The health insurance plan does not charge for children under 21
Coverage available for applicant between the ages of 18-74 and NO TERMINATION AGE
3 of the 6 coverage options of the health insurance plan (Options 1-3) require no medical underwriting and are guaranteed issued
No waiting period — coverage begins the first of the month following approval
Only eligibility requirements are Canadian residency and provincial health plan coverage in force
This plan features the Green Shield Canada pay-direct card for your convenience with minimal out-of-pocket expenses
Plan members have access to online services with special features such as running simulated claims scenarios to determine out-of-pocket expenses, reviewing available coverages, printing premium confirmation statements, personalized claim forms, and explanation of benefits statements
Convenient premium payments via monthly pre-authorized payments with no addition service fee or interest charge
Access to the Green Shield Canada network of vision providers allowing you to save up to 30% at these locations
Travel coverage is included in the plan with travel benefits and out-of-province country assistance
Increasing Maximums — the longer you stay with our plan the more your coverage increases
Legal Assistance — access to objective, independent legal advice toll-free from anywhere in Canada 24/7 for family law, criminal law, civil litigation, landlord and tenants issues, residential real estate transactions and wills and estates (Services are unlimited, bilingual and include local lawyer referrals at preferred rates)
Tax Savings — if you are self-employed your health and dental premiums may be a non-taxable benefit and a tax deductible expense. Otherwise, premiums may qualify for a tax credit (you should seek the advice of a professional to determine tax deductible eligibility.
Green Shield Canada is a not-for-profit benefits carrier with very competitive premium rates and excellent coverage options