Get your best quote and buy online Health&Dental insurance.

Insurance providers and Plans Available

 Health and Dental Benefits Plan may include: Extended Health benefits , Prescription Drugs, Dental Care, Vision Care, Semi-Private or Private Hospital, Hospital Cash, Medical Travel, Accidental Death&Dismemberment, Catastrophic Coverage.

Get quotes and buy affordable health&dental benefit insurance plan from the following insurance providers:

Most Health&Dental Plans (excluding Conversion option, Guaranteed issue and some Dental plans) are MEDICALLY UNDERWRITTEN. If the plan is “medically underwritten,” or “requires a medical questionnaire,” you have to disclose any medical condition, injury or illness that occurred or existed on or before the date of your application.  The premium charged and/or benefits offered could be subject to adjustment or modification of coverage, or declined based on your or your family’s medical background. This will be determined after an evaluation of the information provided on the medical  questionnaire on the application.

Conversion of Group Benefits

Your group benefit plan expires soon and you have pre-existing medical conditions?

Get your quote and apply ONLINE for plans designed to offer uninterrupted health and dental coverage for you and your family, when your employment and group benefits end. If you apply within 60 days of your loss of group health and dental benefits, your application will be automatically accepted.  

Guaranteed Issue Health&Dental Plans

Have pre-existing conditions and take medications?

Insurance companies issue Health&Dental Plans, which cover pre-existing medial conditions and medications and do not require Medical Questionnaire at the time of application for this insurance. This policy may be the best solution for you if you have pre-existing medical conditions and medications. However, overall coverage provided by these plans is less than with medically underwritten plans. Please learn what is covered by each insurance plan below and get your quote ONLINE or call us for assistance. 

Dental plans

Dental plans include Dental care  benefit as well as coverage for extended health  services:  Registered Specialists and Therapists, Vision Care, Homecare and Nursing, Ambulance, Travel and other benefits. There is no prescription drug benefit  in these plans. Please learn what is covered by each insurance plan below and choose the Dental plan best suited to your needs, wants and budget.

Prescription Drugs Plans

Prescription Drugs plans include Prescription drugs benefit as well as coverage for extended health  services:  Registered Specialists and Therapists, Vision Care, Homecare and Nursing, Ambulance, Travel and other benefits. There is no Dental Care benefit  in these plans. All Prescription Drugs plans are medically underwritten: they are designed to cover your future losses (like Critical Illness insurance, Disability Income Loss and Long Term Care insurance). Please learn what is covered by each insurance plan below and choose the plan best suited to your needs, wants and budget.  

How can you buy Health and Dental Insurance Plan? 

There are three ways to purchase this policy:

1. You can buy Heal&Dental insurance online directly from Manulife Financial or Group Medical Services: just click the link and open the company's secured website.  Then follow instructions - you will get your quote and policy online.  Please Contact us, if you have questions or need assistance.

2. Request for Application and we will send (mail or e-mail) you the  application form for the insurance plan you want to apply for. You will fill out this application and mail it back to us. We will deliver your policy as soon as the insurance company issues it.

3. If you have questions and need more information we can also arrange an appointment at our office or your home (GTA area, Ontario). Contact us us to set an appointment.

Why do you need Health and Dental Benefit Insurance?  

Many routine health care expenses in Canada such as dental services, prescription drugs, prescription eyewear, and registered specialists and therapists are not covered by your Government Health Insurance Plan. If you're without an employee group plan, these expenses can come out of your pocket. And should an accident or serious illness occur, additional medical expenses might be difficult to pay. Individual Health Care Insurance can help to cover these costs, and many more. Like any other insurance plans, Individual Health Care Insurance gives you peace of mind, provides a safety net for potential financial losses as well as makes easier the burden of day to day medical and dental expenses. 

Who is this insurance designed for?

Individual Health Care Insurance is designed for:

• Self-employed individuals and individuals working on contract

• Home based business owners and small business owners

• Retired or retiring individuals to replace group benefits

• Part-time, seasonal and temporary employees

• Anyone not covered, or not eligible for coverage under a traditional group insurance plan

• Those, who want to top-up their existing group coverage

If you're self-employed or are an employee of your own business, health and dental premiums may be a non-taxable benefit and a tax-deductible expense. For others, the premiums may qualify as a medical expense and create a tax credit.

Here's how it works for self-employed:

Contact us  for more information, free consultation and to choose the policy, which is right for you.

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