Sun Life - Personal Health Insurance - Enhanced (With Dental)

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

Covers the costs to purchase and/or repair up to the allowed maximum.

$600 per 5 benefit years

Medical equipment and services have a $5,000 annual maximum

• Medical equipment and services have a $5,000 annual maximum
• $250 annual maximum
• $300 every 5 years
• Reasonable and customary services and charges
• $500 lifetime maximum
• $4,000 lifetime maximum
• $1,500 lifetime maximum for hospital beds
• $500 annual maximum
• Reasonable and customary services and charges
• Breast prosthesis: $200 annual maximum

• 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
• 100% reimbursement
• No per visit maximum
• Up to $400 per year, per type of practitioner
• Psychologist/social worker: no per visit maximum, up to $1,500 per year

• Generic drugs vs. brand-name drugs: Generic  
• Pay Direct Drug card (except in Quebec)
• No deductible
• Smoking cessation medication ($250 lifetime maximum)
• 80% reimbursement on first $5,000 of annual eligible expenses ($4,000 paid expenses)
• 100% reimbursement on the next $245,000 of annual eligible expenses
• Includes oral contraceptives
• Coverage of reasonable and customary dispensing fees up to the plan reimbursement

Lumino Health

https://luminohealth.sunlife.ca/

100% reimbursement

$1 million lifetime maximum

Coverage provided for the first 60 days of a trip

Covers travel outside of your province or territory or outside of Canada

Available until the age of 80

If you have a pre-existing medical condition where symptoms have appeared or required medical attention, hospitalization or treatment (this includes changes in medication or dosage), and existed during the 9 months before your trip, expenses related to this condition are not included

• Prescription eye glasses
• Prescription contact lenses
• Prescription sunglasses
• Laser eye surgery
• 100% reimbursement
• $300 maximum every 2 years, including $50 maximum per eye exam
• 1-year waiting period before coverage begins

• Examinations and diagnosis
• Tests, x-rays, and lab exams
• White fillings
• Scaling and extractions
• Recall visits every 9 months
• Minor emergency treatment

Preventative

• 80% reimbursement
• $750 annual maximum
• 3-month waiting period before coverage begins

Restorative

• 50% reimbursement
• $500 annual maximum
• 1-year waiting period before coverage begins
• Includes endodontics, periodontics, oral surgery, crowns, onlays, bridges, dentures (and repairs)

Orthodontics

• 60% reimbursement
• $1,500 lifetime maximum
• 2-year waiting period before coverage begins