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.

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.

 

Get a quote for Personal Health Insurance

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

Standard plan

Enhanced plan

Coverage overview

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

Our most popular plan includes catastrophic drug, emergency travel medical and optional preventive dental coverage.

 

Our most comprehensive coverage, with a higher prescription drug maximum and optional dental coverage that includes restorative and orthodontic services.

Prescription drugs

60% reimbursement of annual eligible expenses to an annual maximum of $750.

70% reimbursement for first $7,000 and 100% for the next $93,000 of annual eligible expenses.

80% for first $5,000 and 100% of next $245,000 of annual eligible expenses.

Dental coverage

 

Waiting periods apply

Included:

60% reimbursement for preventive dental care with a $500 annual maximum.

(3-month waiting period applies)

 

Optional:
70% reimbursement for preventive dental care with a $750 annual maximum.

(3-month waiting period applies)

 

Optional:

80% reimbursement for preventive dental care with a $750 annual maximum.

(3-month waiting period applies)

 

50% reimbursement for major restorative  dental care with a $500 annual maximum.

 (1‑year waiting period applies)

 

60% reimbursement for orthodontic services

Up to lifetime maximum of $1,500

(2-year waiting period applies)

 

 

Health care

Supplemental health care, medical equipment and nursing

60% reimbursement for supplemental healthcare.

100% reimbursement for supplemental healthcare.

100% reimbursement for supplemental healthcare.

Paramedical expenses

For massage therapists, chiropractors, naturopaths etc

60% reimbursement with a $25 per-visit maximum on paramedical practitioner services up to $250 per year per practitioner.

100% reimbursement for paramedical practitioner services up to $300 per year, per practitioner.

100% reimbursement for paramedical practitioner services up to $400 per year, per practitioner.

Vision care

Waiting periods apply

No coverage.

100% reimbursement for vision care up to a $150 maximum every 2 years.

(1-year waiting period applies)

100% reimbursement for vision care up to $200 maximum every 2 years.

(1-year waiting period applies)

Semi-private hospital room

Optional

 

85% reimbursement

Coverage up to $200 daily and $5,000 annually.

Optional

 

85% reimbursement

Coverage up to $200 daily and $5,000 annually.

Optional

 

85% reimbursement

Coverage up to $200 daily and $5,000 annually.

Emergency travel medical

No coverage.

For the first 60 days of a trip with a $1 million lifetime maximum on emergency travel medical claims.

For the first 60 days of a trip with a $1 million lifetime maximum on emergency travel medical claims.

  Learn more about the Basic plan Learn more about the Standard plan Learn more about our Enhanced plan
  Get a quote for our Personal Health Insurance Basic plan Get a quote for our Personal Health Insurance Standard plan Get a quote for our Personal Health Insurance Enhanced plan

Get Personal Health Insurance

Three ways to buy

  • Give us a call

    Our team of licensed financial services consultants (registered as financial security advisors in Quebec) can assess your coverage needs and recommend solutions.

    1-866-292-2517

    Monday - Friday: 8 a.m. - 8 p.m. ET

  • Work with a Sun Life Financial advisor

    Sun Life Financial advisors look carefully at your specific needs to help you develop a personalized plan. They'll work with you to understand your goals and what you want to achieve.

    Find an advisor