Personal health insurance

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
Committed to Finding Our Customers the Right Health Insurance.
Our online tools, free quotes, and licensed agents are here to help you find a plan.

We’re your health insurance advocate
Need help or have questions about coverage or billing? eHealth will deal with the health insurance companies for you, even after you’ve bought your plan.

We have the best prices on plans
The health insurance plans eHealth offers are priced the same everywhere else—we just make them easier for you to find.

We have the best selection online
With over 10,000 plans from over 180 companies, you can’t find a bigger selection of health insurance products online in the U.S.

We’re Available 24/7
Health insurance questions? We have your back 24/7 between our online chat function, email, and telephone support from our licensed health insurance agents.

We’re unbiased
Our online tools help you decide what product is best for you—we’re here to help no matter what health insurance plan you choose.

We make health insurance simple
We’re committed to making shopping and applying for health insurance as simple as can be for our customers. Our features make getting health insurance simple, fast, and convenient.