Reviewed by Liane Goulet
Provincial and territorial health plans in Canada provide coverage for certain health expenses, but they generally won’t pay for all your medical bills. Personal health insurance can help cover that gap.
Personal health insurance (also known as private health insurance) is coverage that can help Canadian residents cover the cost of preventive care or medical bills due to an illness. It can help pay for health-related expenses, including:
Personal health insurance can be helpful for many people . It can come in handy if:
Ideal for: People who want affordable coverage.
You can get started in the way that works best for you:
Quick, simple, on your schedule
Get a quote and apply for personal health insurance to help cover eligible day-to-day health expenses not included in your provincial plan.
Advice on demand, right when you need it
Talk to a licensed Prospr by Sun Life advisor who can answer questions, help choose the right coverage and guide you as you apply for the right plan.
Dedicated advice for the long run
Build a long-term connection with a Sun Life advisor who can help you choose the right coverage and adjust it as your life evolves.
If you’re leaving your workplace plan (or you left in the last 60 days) from any provider, you may be able to replace it with our Health Coverage Choice option. No medical questions needed.
It depends on your plan:
Basic plan: Offers 60% reimbursement of eligible drug expenses, up to a yearly maximum of $750.
Standard plan: Offers 70% reimbursement for the first $7,000, and 100% for the next $93,000 of yearly eligible drug expenses.
Enhanced plan: Offers 80% for the first $5,000, and 100% for the next $245,000 of yearly eligible drug expenses.
Dental coverage is included with our Basic personal health insurance plan. It includes 60% reimbursement for preventive dental care with a $500 annual maximum. (A 3-month waiting period applies before you can get this coverage.)
You can also add dental coverage to our Standard or Enhanced personal health insurance plans. Connect with an advisor for more detailed information or learn more about dental insurance.
Our Standard and Enhanced plans include coverage for vision care.
Our Standard plan offers 100% reimbursement for vision care, up to $250 maximum every 2 calendar years. (A one-year waiting period applies before you can get this coverage.)
Our Enhanced plan offers 100% reimbursement for vision care up to $300 maximum every 2 calendar years. (A one-year waiting period applies before you can get this coverage.)
Yes. All our personal health insurance plans cover a certain amount of paramedical expenses, such as services from a chiropractor, naturopath, registered massage therapist (RMT), osteopath, etc.
Our Basic plan includes:
Our Standard plan includes:
Our Enhanced plan includes:
Our Standard and Enhanced plans offer emergency travel medical care.
Both our Standard and Enhanced plans offer coverage for the first 60 days of a trip with a $1 million lifetime maximum on emergency travel medical claims.
Yes, you can. At Sun Life, we offer Personal Health Insurance plans, including Basic, Standard and Enhanced. These plans can help cover eligible health expenses that your government health-care plan won’t pay for. You’ll need to answer some health questions when you apply. Get a quote online or connect with an advisor for a customized quote.
Yes, it does. Private health insurance is the same as personal health insurance. At Sun Life, Canadian residents can apply for personal health insurance online or through an advisor.
The main difference is that life insurance provides a tax-free lump sum payment to your beneficiaries after you die whereas personal health insurance reimburses you for eligible health expenses.
Private health insurance and personal health insurance are the same thing. It’s a contract between you and an insurance company, in which you agree to pay premiums (monthly or annually) in exchange for coverage for eligible health-related expenses.
Health insurance costs can vary depending on a range of factors, such as your age, where you live and whether you want to add your spouse and dependents to your plan. This can affect how much you pay in premiums. Some plans may require additional medical tests. Get a quote online or connect with an advisor to find out which plan is right for you.
Replaces part of your income if you can’t work because of illness or injury.
Covers eligible expenses related to a covered critical illness.
Offers a benefit if you become dependent on someone for your care.
Get step-by-step instructions on how to submit a health insurance claim.
This information is meant for educational and illustrative purposes only. Some conditions, exclusions and restrictions apply.
