Sun Life - Personal Health Insurance - Standard (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

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

Preventative

• 70% reimbursement
• $750 annual maximum
• 3-month waiting period before coverage begins

Restorative

• No coverage

Orthodontics

• No coverage

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

$500 per 5 benefit years

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

• Medical equipment and services have a $5,000 annual maximum
• $225 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 $300 per year, per type of practitioner
• Psychologist/social worker: no per visit maximum, up to $1,000 per year

• Generic drugs vs. brand-name drugs: Generic  
• Pay Direct Drug card (except in Quebec)  
• No deductible  
• Smoking cessation medication ($250 lifetime maximum)  
• 70% reimbursement on first $7,000 of annual eligible expenses ($4,900 paid expenses)  
• 100% reimbursement on next $93,000 of annual eligible expenses  
• Excludes 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

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• Prescription eye glasses  
• Prescription contact lenses  
• Prescription sunglasses  
• Laser eye surgery  
• 100% reimbursement  
• $250 maximum every 2 years, including $50 maximum per eye exam  
• 1-year waiting period before coverage begins