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Health Insurance by Sun Life

Health insurance can you help you deal with expenses associated with an illness or accident, such as: prescription drugs, physiotherapy, out of country emergency care and more. While provincial plans provide coverage, there are significant gaps where out of pocket payments are required. Moreover, if you don’t have or are losing health benefits provided by your employer, health insurance can provide coverage for your common expenses.

Two types of coverage tailored to your needs

Personal Health Insurance

Higher coverage option with medical requirements for eligibility.

Health Coverage Choice Insurance

Moderate coverage with no medical requirements for eligibility.

Personal Health Insurance by Sun Life

Personal Health Insurance is best for people looking for higher coverage levels and those who don’t have adequate health benefits provided by their employer. This type of coverage requires medical underwriting using tools such as a detailed health questionnaire. Personal Health Insurance offers 3 levels of coverage depending on your needs and budget.

Choice of Plans

Personal Health Insurance
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Basic Plan

Sun Life’s Basic Health Insurance plan is perfect for Canadians who have no health benefits through their employer or those going through a transition at work and will be without coverage.

Plan Features:
• Coverage is available to Canadians 69 and under.
• 60% reimbursement of prescription drugs with up to $750 in maximum annual claims.
• 60% reimbursement of preventative dental care with up to $500 in maximum annual claims.
• 60% reimbursement of supplemental care such as hearing aids, accidental dental, ambulance,
medical equipment and services, and in-home nursing and home care.
• $400 maximum annual for hearing aids.
• $2,000 per fracture or injury for accidental dental care.
• $2,500 in combined maximum annual claims for medical equipment & services and in-home
nursing & home care.
• 60% reimbursement for paramedical visits like acupuncturists and chiropractors.
• Optional semi-private hospital room benefit with up to 85% reimbursement and $200 in daily and
$5,000 in annual coverage.

Personal Health Insurance
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Standard Plan

If you are looking for more rounded coverage for your health insurance needs, the Standard Health Insurance plan from Sun Life provides higher coverage amounts than the Basic plan. The Standard plan also provides protection for more medical expenses like vision and emergency travel.

Plan Features:
• Coverage is available to Canadians 69 and under.
• 70% reimbursement for the first $7,000 of annual prescription drug expenses, 100%
reimbursement for the next $93,000 of annual prescription drug expenses.
• 70% reimbursement of preventative dental care with up to $750 in maximum annual claims.
• 100% reimbursement of supplemental care such as hearing aids, accidental dental, ambulance,
medical equipment & services, and in-home nursing & home care.
• $400 maximum every 5 years for hearing aids.
• $2,000 per fracture or injury for accidental dental care.
• $5,000 in maximum annual claims for medical equipment & services.
• $5,000 in maximum annual claims and combined $25,000 lifetime maximum for in-home nursing
& home care.
• 100% reimbursement for paramedical visits like acupuncturists and chiropractors.
• 100% reimbursement for vision care with $150 maximum every 2 years.
• 100% reimbursement for emergency travel with a $1,000,000 lifetime maximum.
• Optional semi-private hospital room benefit with up to 85% reimbursement and $200 in daily and
$5,000 in annual coverage.

Personal Health Insurance
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Enhanced Plan

Offering the highest in coverage amounts, the Enhanced Health Insurance plan provides the most well-rounded coverage for prescription drugs, dental, supplemental health care, and more. If you are looking for comprehensive health insurance coverage, this plan is the best option for you.

Plan Features:
• Coverage is available to Canadians 69 and under.
• 80% reimbursement for the first $5,000 of annual prescription drug expenses, 100% reimbursement
for the next $245,000 of annual prescription drug expenses.
• 80% reimbursement of preventative dental care with up to $750 in maximum annual claims.
• Also provides up to 50% reimbursement in restorative dental care and 60% reimbursement for
orthodontics.
• 100% reimbursement of supplemental care such as hearing aids, accidental dental, ambulance,
medical equipment & services, and in-home nursing & home care.
• $500 maximum every 5 years for hearing aids.
• $2,000 per fracture or injury for accidental dental care.
• $5,000 in maximum annual claims for medical equipment & services.
• $10,000 in combined maximum annual claims and combined $30,000 lifetime maximum for in-home
nursing & home care.
• 100% reimbursement for paramedical visits like acupuncturists and chiropractors.
• 100% reimbursement for vision care with $200 maximum every 2 years.
• 100% reimbursement for emergency travel with a $1,000,000 lifetime maximum.
• Optional semi-private hospital room benefit with up to 85% reimbursement and $200 in daily and
$5,000 in annual coverage.

Health Coverage Choice Insurance by Sun Life

Health Coverage Choice is a good option for people who lost their group health benefits in last 60 days or are losing their group benefits due to a change in employment or retirement. There are no medical requirements to be eligible for this plan. Health Coverage Choice offers 3 levels of coverage depending on your needs and budget. 

Choice of Plans

Health and Dental
Choice A

The base option for Health Coverage Choice, this plan provides coverage for relatively low health and dental costs.

Plan Features:
• Up to 80% reimbursement for prescription drugs – $400 annual maximum.
• Up to 80% reimbursement for preventative dental care – $700 annual maximum.
• Up to 80% reimbursement for accidental dental care with a $2,000 maximum per person per
fracture or injury.
• Up to 80% reimbursement for ground ambulance service.
• Up to 80% reimbursement for hearing aids – $300 maximum every 5 years.
• Up to 80% reimbursement for medical equipment and services – $2,500 annual maximum
combined with in-home nursing and $20,000 lifetime maximum when combined with in-home
nursing.
• Up to 80% reimbursement for in-home nursing services – $2,500 annual maximum combined
with medical equipment and services and $20,000 lifetime maximum when combined with
medical equipment and services.
• Up to 80% reimbursement for paramedical practitioners – $25 maximum per visit and up to $250
per year, per practitioner.
• Up to 100% reimbursement for vision care – $150 maximum every 2 years, with $50 maximum per
eye exam.
• Up to 50% reimbursement for semi-private hospital rooms – $5,000 annual maximum.

Health Choice B

Including emergency travel medical coverage and higher annual maximums and reimbursement amounts than Heath and Dental Choice A, Health Choice B, offers a step up in coverage amounts and available coverage areas.

Plan Features:
• Up to 80% reimbursement for prescription drugs – $1,000 annual maximum.
• Up to 80% reimbursement for preventative dental care – $700 annual maximum combined with
restorative dental care.
• Up to 50% reimbursement for restorative dental care – $700 annual maximum combined with
preventative dental care.
• Up to 100% reimbursement for accidental dental care with a $5,000 lifetime maximum.
• Up to 100% reimbursement for ground ambulance service.
• Up to 100% reimbursement for hearing aids – $350 maximum every 5 years.
• Up to 100% reimbursement for medical equipment and services – $2,500 annual maximum.
• Up to 100% reimbursement for in-home nursing services – $5,000 annual maximum and $25,000
lifetime maximum.
• Up to 100% reimbursement for paramedical practitioners – $300 per year , per practitioner
including chiropractors, acupuncturists, and naturopaths. Combined maximum up to $500 per
calendar year.
• Up to 100% reimbursement for vision care – $150 maximum every 2 years, with $50 maximum per
eye exam.
• Up to 85% reimbursement for semi-private hospital rooms – $175 daily maximum, $5,000 annual
maximum.
• Up to 100% reimbursement for emergency travel medical services – $1,000,000 in lifetime
maximum coverage.

Health Choice C

This option offers the most comprehensive coverage amounts for your health and wellbeing. Health Choice C is the top option for Health Coverage Choice.

Plan Features:
• Up to 80% reimbursement for prescription drugs – $2,000 annual maximum.
• Up to 80% reimbursement for preventative dental care – 1st year: $700 annual maximum. 2nd year on:
$1,000 annual maximum combined with restorative dental care.
• Up to 50% reimbursement for restorative dental care – $1,000 annual maximum combined with
preventative dental care.
• Up to 100% reimbursement for accidental dental care with a $5,000 maximum.
• Up to 100% reimbursement for ground and air ambulance service – Air ambulance offers up to $5,000
maximum per incident.
• Up to 100% reimbursement for hearing aids – $500 maximum every 5 years.
• Up to 100% reimbursement for medical equipment and services – $5,000 annual maximum.
• Up to 100% reimbursement for in-home nursing services – $5,000 annual maximum and $25,000
lifetime maximum.
• Up to 100% reimbursement for paramedical practitioners – up to $300 per year, per practitioner
including chiropractors, acupuncturists, and naturopaths and combined $650 per calendar year.
• Up to 100% reimbursement for vision care – $200 maximum every 2 years, with $50 maximum per eye
exam.
• Up to 85% reimbursement for semi-private hospital rooms – $200 daily maximum and $5,000 annual
maximum.
• Up to 100% reimbursement for emergency travel medical services – $1,000,000 in lifetime maximum
coverage.

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