Personal Health & Dental Insurance
Leaving Job?
If your group health coverage has recently ended or will soon end, acceptance is guaranteed at the time of purchase, without completion of medical questionnaire as long as your application is received within 90 days of the group coverage ending.
No group benefit?
If you do not have any group health plan coverage from your employer or current plan coverage is not sufficient, you need a personal health insurance.
Are you a self employed or a small business?
If you self employed or a contract/part-time worker, you can protect yourself from the expected and unexpected costs of out of pocket health care.
Have pre-existing medical conditions?
If you have pre-existing medical conditions or have been denied health coverage, guaranteed issue plans are the right choice for you.
What is it?
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.
How does it work?
Individual plans cover you and your family for many of the services not covered by your provincial health care plan. In fact, coverage provided is similar to that of a group benefits plan. There is a choice of plans to suit your needs and coverage is guaranteed.
What are the benefits?
Your premiums may be tax deductible
If you are self-employed or own a small business, a portion of your premiums may be deductible as an expense for your business and may also be a non-taxable benefit to your employees (except in Quebec)
Supplement your provincial health plan
Individual health plans are designed to provide services that supplement each province’s government health plan. They offer an excellent range of supplementary health and dental benefits, including prescription drug, vision and hospital
Contact Us
We strive to help you make informed insurance decisions and to provide the best service at all times.