Sun Life - Personal Health Insurance - Basic
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Covers trips to hospital in a licensed ambulance in your home province/territory of residence. Covers charges up to the amount between what your government health insurance plan covers and what is reasonable and customary.
Unlimited ground and air transport
Reimbursement (for ongoing maintenance services: fillings, cleanings, scalings, examinations, polishings, and select extractions) per year
- 60%
Anniversary year maximum for basic dental services
- $500
Recall visits
- 9 months
Oral surgery, periodontics, endodontics (root canal)
- Not covered
Major restorative (orthodontics, crowns, bridges, dentures)
- Not covered
Waiting period
- 3-month waiting period before coverage begins
Coverages are designed to coincide with the current provincial Dental Association Fee Guide for General Practitioners.
Covers the costs to purchase and/or repair up to the allowed maximum.
- $400 per 5 benefit years
$2,500 annual maximum and a $20,000 lifetime maximum combined with medical equipment and services
- Chiropractors, including 1 x-ray examination per calendar year
- Registered massage therapists
- Naturopaths and acupuncturists
- Osteopaths, including 1 x-ray examination per calendar year
- Physiotherapists
- Podiatrists or chiropodists, including 1 x-ray examination per calendar year
- Speech language pathologists
- Psychologists and social workers
- 60% reimbursement
- $25 maximum per visit
- Up to $250 per year, per type of practitioner
- Psychologist/social worker: up to $35 per visit, up to $500 per year
Generic drugs vs. brand-name drugs
- Generic
Shared Dispensing Fee (subject to applicable co-payment)
- $5.00 maximum
Exclusions
- Oral contraceptives
Reimbursement of eligible prescription costs per year
- 60%
Anniversary year maximums per person
- $750
Medical equipment and services have a $2,500 annual maximum and a $20,000 lifetime maximum combined with in-home nursing and home care
Orthopedic shoes
- $150 annual maximum
Blood glucose monitor
- $150 every 5 years
Continuous glucose monitors
- Reasonable and customary services and charges
Medically necessary wigs and hair pieces
- $100 annual maximum
Wheelchairs, walkers and traction kits
- $1,000 lifetime maximum
Hospital bed, oxygen
- Reasonable and customary services and charges
Casts, splints
- Reasonable and customary services and charges
Prosthetic appliances (e.g. artificial limbs)
- Reasonable and customary services and charges
