What is personal health insurance?

Personal health insurance merchandise assist decrease your risk of being burdened by using fees for preventive care or medical bills because of an illness or coincidence. While provincial health plans provide coverage for plenty health costs, there are gaps which can have a large effect for your finances. For instance, relying at the province or territory where you stay, you may ought to pay for:

Prescription pills to deal with a chronic or critical fitness situation
Emergency clinical services supplied overseas
Practitioners like physiotherapists to promote wellbeing or assist with harm recuperation
Medical device to help with your mobility
Sun Life gives 2 personal medical insurance merchandise: Personal Health Insurance and Health Coverage Choice.

Is medical health insurance proper for you?
You may also need to remember personal health insurance if:

You don’t have health benefits via your organization
You’re losing your group coverage
You’d like additional blessings now not offered by way of your agency’s plan or your province’s health insurance. You should have provincial health insurance to use for private medical insurance.

Learn more about eligibility necessities for this product.

Tools & Resources
Can you afford to get unwell?
Are you entitled to a tax refund in your scientific fees?
Comparing medical health insurance solutions

Support questions
Eligibility information
Paying premiums
Submitting claims
Emergency travel medical statistics

Related merchandise
Health Coverage Choice
Critical illness coverage
Long time period care coverage
Disability insurance
Which product is proper for you?
Personal Health Insurance
If you need better coverage ranges and are inclined to be medically underwritten – where we review your fitness in more depth through gear consisting of an in depth fitness questionnaire – then you ought to bear in mind Personal Health Insurance. See plan info below.

Health Coverage Choice
If you’ve misplaced your group benefits coverage inside the last 60 days – or will be losing your group benefits – because you’re leaving your task or retiring, and also you need coverage in your modern health wishes, you need to don’t forget Health Coverage Choice. There is no clinical underwriting with this product.


Learn more about Health Coverage Choice

We provide 3 Personal Health Insurance plans:
Personal Health Insurance is for you in case you don’t have ok agency institution blessings coverage. You can select among plans with differing ranges of coverage. Each person covered on a Personal Health Insurance software must have provincial fitness coverage and can be medically underwritten.

Basic plan
Our lowest-fee plan enables you budget for fundamental clinical and dental wishes.

60% repayment for pharmaceuticals with a $750 annual most
60% compensation for supplemental healthcare expenses. 60% repayment with a $25 per-go to most on paramedical practitioner services up to $250 in keeping with 12 months according to practitioner
60% compensation for preventive dental care with a $500 annual maximum
Semi-personal health facility room coverage is optional. No insurance for emergency travel clinical or vision care
Learn greater approximately the Basic plan

Standard plan
Our most famous plan includes catastrophic drug, emergency travel scientific and non-compulsory preventive dental insurance.

For prescription drugs, 70% compensation for first $7,000 and a hundred% compensation for subsequent $93,000 of annual eligible prices
100% repayment for supplemental healthcare. 100% repayment for paramedical practitioner offerings up to $300 in keeping with 12 months, consistent with practitioner. 100% reimbursement for imaginative and prescient care up to a $a hundred and fifty maximum each 2 years
Emergency travel clinical for the primary 60 days of a journey and $1 million lifetime most on emergency journey medical claims
Optional preventive dental and semi-personal health center room insurance
Learn extra about the Standard plan
Enhanced plan
Our maximum comprehensive insurance, with a higher prescription drug most than the same old plan and optional dental coverage that consists of restorative and orthodontic services.

For pharmaceuticals, eighty% repayment for first $five,000 of annual eligible fees and one hundred% repayment for next $245,000 of annual eligible costs
100% compensation for supplemental healthcare. One hundred% repayment for paramedical practitioner services as much as $four hundred according to yr, in keeping with practitioner. 100% repayment for vision care up to $two hundred maximum each 2 years
Emergency travel clinical for the first 60 days of a ride and $1 million lifetime maximum on emergency tour medical claims
Optional dental coverage for preventive, restorative and orthodontics and optionally available semi-personal medical institution room coverage
Learn extra approximately our Enhanced plan

Get Personal Health Insurance
Get a free on-line quote or to higher apprehend which personal health insurance plan is right in your wishes, speak in your consultant or discover an guide close to you to help answer your questions. There is no fee to speak to an marketing consultant.

Get a quote
You should buy a number of our medical insurance products on line.

Get a quoteonline

Apply now
Online purchase of Personal Health Insurance is not available in Quebec. An consultant let you apply.

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