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.

You should consider personal health insurance if:

  • You don’t have health benefits through your employer
  • You’re losing your group coverage
  • 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.

Learn more about eligibility requirements for this product.

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.

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

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

  • 60% reimbursement for prescription drugs with a $750 annual maximum
  • 60% reimbursement for supplemental healthcare expenses. 60% reimbursement with a $25 per-visit maximum on paramedical practitioner services up to $250 per year per practitioner
  • 60% reimbursement for preventive dental care with a $500 annual maximum
  • Semi-private hospital room coverage is optional. No coverage for emergency travel medical or vision care

Standard plan

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

  • For prescription drugs, 70% reimbursement for first $7,000 and 100% reimbursement for next $93,000 of annual eligible expenses
  • 100% reimbursement for supplemental healthcare. 100% reimbursement for paramedical practitioner services up to $300 per year, per practitioner. 100% reimbursement for vision care up to a $150 maximum every 2 years
  • Emergency travel medical for the first 60 days of a trip and $1 million lifetime maximum on emergency travel medical claims
  • Optional preventive dental and semi-private hospital room coverage

Enhanced plan

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

  • For prescription drugs, 80% reimbursement for first $5,000 of annual eligible expenses and 100% reimbursement for next $245,000 of annual eligible expenses
  • 100% reimbursement for supplemental healthcare. 100% reimbursement for paramedical practitioner services up to $400 per year, per practitioner. 100% reimbursement for vision care up to $200 maximum every 2 years
  • Emergency travel medical for the first 60 days of a trip and $1 million lifetime maximum on emergency travel medical claims
  • Optional dental coverage for preventive, restorative and orthodontics and optional semi-private hospital room coverage

Get personal health insurance

Get a free online quote or to better understand which personal health insurance plan is right for your needs, talk to your advisor or find an advisor near you to help answer your questions. There is no cost to talk to an advisor.