What it covers
- Prescription drugs
- Dental care, from check-ups to major work
- Eye exams and glasses
- Physiotherapy, massage and other practitioners
- Critical illness lump-sum benefits, when added
Who it's for
- Self-employed people and contractors
- Families without workplace benefits
- People leaving a group plan
- Newcomers to Canada
Good to know
Provincial plans
Cover doctor and hospital care, but usually not drugs, dental or vision for most adults.
Guaranteed issue
Some plans accept you without medical questions, with lower limits.
Critical illness
Pays a lump sum on diagnosis of a covered condition, to use as you need.
Usually not covered
- Waiting periods for some benefits
- Pre-existing conditions, depending on the plan
- Cosmetic treatments
- Costs already paid by a provincial plan
Related cover
Many clients combine policies so there are no gaps between them.
Every policy has its own terms, limits and exclusions, set by the insurer. We explain them in plain language before you buy.
Get a quote for health & dental
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