Last updated: September 7, 2022
At Sun Life, our personal health insurance products come with dental coverage. You can get partial or full coverage for all types of dental procedures. This will help keep you from having to dip into your savings or emergency fund to cover your dental expenses. It’s a simple way to help ensure you have access to quality dental care when you need it.
Depending on the plan you choose (Basic, Standard or Enhanced), you can get coverage for dental issues such as:
Dental x-rays and exams
Bridges, dentures and crowns
When you get a personal health insurance plan from Sun Life, you get to choose between three plans: Basic, Standard and Enhanced.
A basic plan comes with coverage for medical needs and preventive dental care.
What does preventive dental care mean? This includes:
With the standard plan, you’ll have medical coverage and the option to add dental insurance to your plan. When you opt-in for dental insurance, you’ll get more of your preventive dental-care expenses reimbursed than the basic plan.
With the enhanced plan, you’ll have medical coverage and the option to add dental insurance to your plan. An enhanced plan offers even more reimbursement for preventive dental care than the basic and standard plans. Plus, you’ll get coverage for restorative dental care and orthodontics.
What does restorative dental care mean? This includes:
1 Coverage starts after just 3 months. Your waiting period begins on the effective date of your coverage, see your policy for details.
2 This coverage is available after a 1 year waiting period.
3 This coverage is available after a 2-year waiting period.
Yes, dental insurance is included in a basic personal health insurance plan. It’s also an optional addition to a standard or enhanced personal health insurance plan.
With personal health insurance, you’ll get reimbursed for eligible health expenses. This includes dental, medical and other health-care expenses that aren’t fully covered (or covered at all) by your provincial or territorial healthcare plan. These can include :
It depends on your personal health insurance plan.
If you’re approved for:
Everyone needs to go to the dentist on occasion. And, depending on how much dental work you need, the bill can put a dent in your finances. That’s why it’s important to have enough coverage to help keep the cost of dental care at bay.
It’s also very helpful to have your own dental coverage in case you lose your employee health benefits or don’t have access to a health insurance plan through an employer.
For example, maybe you’re self-employed or a contract worker. Or maybe you’re about to retire, in which case you might lose your employee health benefits. In these situations, it helps to have your own coverage. This way, you won’t get stuck paying out-of-pocket for all your medical and dental expenses.
There are three other types of health insurance to consider:
3 ways to buy:
Sun Life Assurance Company of Canada is the insurer, and is a member of the Sun Life group of companies. Sun Life Assurance Company of Canada is licensed to offer life and health insurance in all jurisdictions in Canada.