Health Insurance

Protection from the cost of
everyday life.

Health Insurance

Protection from the cost of everyday life.

No matter what stage of life you're in, supplemental health insurance is just what the doctor ordered.

An important part of financial planning is ensuring you have comprehensive health and dental coverage in place. If you’re retiring, changing jobs or self-employed, we have solutions for you.

Personal Health Coverage

Personal Health Coverage is the easy, affordable way to protect you and your family from the growing list of health care costs that are not covered by your provincial health plan.

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Replacement Health Coverage

Replacement Health Coverage is the affordable way to stay protected from the high cost of health care when you’re no longer covered by an employer plan.

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Group Benefits and Plans

Attract and retain employees with a Group Benefit Plan. A group plan can be tailored to suit your needs depending on the size and need of the business.

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Personal Health Coverage

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 plan provides 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
You should consider personal health insurance if:
  • You don’t have health benefits through your employer
  • You’d like additional benefits not offered by your employer’s plan or your province's health coverage (you must have provincial health coverage to apply for personal health insurance)

Replacement Health Coverage

What is replacement health coverage?

If you're leaving a group benefits plan that provided you with health benefits, you can apply for replacement health coverage.

You need to apply within 60 days of leaving your group benefits plan. Any family members who were also covered under your group benefits plan can be included on the application. Each applicant must have provincial healthcare coverage in place.

You should consider replacement health coverage if:

You have lost your group benefits coverage, or you will be losing your group benefits and want coverage as soon as possible.

You would prefer not to be medically underwritten or you have one of these illnesses or conditions.