Basic Plan: 60% reimbursement for eligible prescription drug costs, up to an annual maximum of $750. Standard Plan: 70% reimbursement for the first $7,000 in drug expenses, then 100% coverage for the next $93,000 per year. Enhanced Plan: 80% reimbursement for the first $5,000 in drug expenses, then 100% coverage for the next $245,000 per year.

Basic Plan: Includes 60% reimbursement for preventive dental services, with an annual maximum of $500 (subject to a 3-month waiting period). Standard and Enhanced Plans: Optional dental coverage can be added upon request.

Standard Plan: 100% reimbursement for vision care expenses, up to $250 every two years (with a 1-year waiting period). Enhanced Plan: 100% reimbursement for vision care expenses, up to $300 every two years (with a 1-year waiting period).

Yes. All plans cover a portion of the cost for complementary health services such as chiropractic care, naturopathy, massage therapy, osteopathy, and more. Basic Plan: • 60% reimbursement • Paramedical services: $25 per visit, up to $250 per year per specialist • Psychology or social work: $35 per visit, up to a shared annual maximum of $500 Standard Plan: • 100% reimbursement • Paramedical services: up to $300 per year per specialist • Psychology or social work: up to a shared annual maximum of $1,000 Enhanced Plan: • 100% reimbursement • Paramedical services: up to $400 per year per specialist • Psychology or social work: up to a shared annual maximum of $1,500

Yes. The Standard and Enhanced plans include emergency medical coverage while traveling. Both plans cover emergency medical expenses up to a lifetime maximum of $1 million, for the first 60 days of each trip.

Yes. Individuals can purchase Personal Health Insurance independently. These plans help cover medical expenses not included in government health coverage. When applying, you may be asked to answer a few basic health questions.

Yes. Private health insurance still exists in Canada — it’s the same as personal health insurance that individuals can apply for on their own.

Life Insurance: Provides a one-time, tax-free payment to your beneficiaries after your death. Personal Health Insurance: Reimburses you for eligible medical expenses during your lifetime.

The cost varies depending on factors such as age, place of residence, and whether a spouse or children are included in the plan. Some plans may also require additional medical tests.