Personal Canadian Health & Dental care insurance is designed for self-employed, contract workers, small business owners, retired or retiring individuals, anyone not covered under group insurance plan or want to top up existing health coverage. On this webpage, residents of Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland, Nova Scotia, Ontario, Prince Edward Island, Saskatchewan can get quotes for a variety of Health, Drug, Dental plans.
Many routine health care expenses in Canada are not covered by a Government Health Insurance Plan. Canadian Individual Health and Dental Insurance supplements provincial health coverage and can help to manage many health care expenses. Personal (Individual) health insurance may include coverage for:
Prescription Drugs, Dental Care, Extended Health benefits, Vision Care, Semi-Private or Private Hospital, Hospital Cash, Medical Travel, Catastrophic Drug Coverage, Accidental Death & Dismemberment insurance.
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, medical questionnaire is required. 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. So, these plans are designed to cover your future losses. If you need coverage for your existing medications, you can consider Guaranteed Acceptance (Guaranteed Issue) plans.
Manulife, GMS, Desjardins, Blue Cross offer Prescription drug plans with various amounts of coverage including unlimited coverage for prescription drugs (Manulife Catastrophic plan).
Personal Health & Dental Insurance Plans
Personal Health & Dental Insurance Plans
Have pre-existing conditions and take medications? Insurance companies issue Health & Dental Plans, which cover pre-existing medical conditions and medications and do not require a Medical Questionnaire at the time of application for this insurance. This policy may be the best solution for you if you want to have coverage for your pre-existing medical conditions and medications. Please learn what is covered by each insurance plan and get your quote. MORE INFORMATION >>
* The example shown is for illustrative purposes only and is not meant to be representative of every situation. Your actual savings will depend on the policy selected and the expenses you incur. You should seek the advice of a professional to determine your eligibility for tax deductions.
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.
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. Dental plans are offered by Manulife, GMS and Ontario Blue Cross. Please learn what is covered by each insurance plan and choose the Dental plan which is right for you.
Guaranteed Issue Plans after Expiry of Group Benefits
These plans are designed for retirees and everybody whose Group Benefits end.
You can apply for this plan when your group benefit plan expires soon and you want to have coverage for your pre-existing medical conditions. No medical questionnaire required if you apply within 90 days or 60 days (depending on the plan) after the expiry date of your group benefits.
Get your quote and apply ONLINE for plans designed to offer uninterrupted health and dental coverage for you and your family, when you are leaving the company where you work and you are also leaving your company health plan.