Eligibility
Related FAQs
Can I buy health insurance coverage for family visiting from overseas?
A prerequisite for any health care plan in Canada is that you must already be a Canadian resident and covered by a provincial or territorial government health care plan.
If you have family visiting, we suggest you obtain Visitors to Canada insurance, which is a form of Travel Insurance designed for this purpose.
If you need assistance with Visitors to Canada insurance, an Aeva representative can help you upon request by emailing support@aeva.ca.
If you have family visiting, we suggest you obtain Visitors to Canada insurance, which is a form of Travel Insurance designed for this purpose.
If you need assistance with Visitors to Canada insurance, an Aeva representative can help you upon request by emailing support@aeva.ca.
Do I need a medical exam to get health insurance coverage?
No, there is no physical or other medical exam required to qualify for any health or dental care plan.
Medical exams are common for other forms of insurance, such as Life, Disability, and Critical Illness insurance.
Medical exams are common for other forms of insurance, such as Life, Disability, and Critical Illness insurance.
Do I need to be in good health and under a certain age to apply for health insurance?
No.
There are Guaranteed Acceptance health insurance plans available that do not require a medical questionnaire and can be applied for at any time. These plans are ideal for individuals who may not qualify for a Medically Underwritten health insurance plan due to their health history.
There are Guaranteed Acceptance health insurance plans available that do not require a medical questionnaire and can be applied for at any time. These plans are ideal for individuals who may not qualify for a Medically Underwritten health insurance plan due to their health history.
How long can my child remain on my health and dental plan?
The duration for which your child can remain on your health and dental plan varies depending on the policy provider.
Manulife:
Dependent children can stay on their plan up to the age of 21.
Sun Life:
Dependent children can stay on their plan up to the age of 21, or up to age 25 if they are enrolled in a post-secondary program.
Canada Life:
Dependent children can stay on their plan up to the age of 21, or up to age 25 if they are enrolled in a post-secondary program. Most group benefit plans cover children to the age of 21 if they are not in school, or up to age 25 if they are enrolled in a post-secondary program.
Manulife:
Dependent children can stay on their plan up to the age of 21.
Sun Life:
Dependent children can stay on their plan up to the age of 21, or up to age 25 if they are enrolled in a post-secondary program.
Canada Life:
Dependent children can stay on their plan up to the age of 21, or up to age 25 if they are enrolled in a post-secondary program. Most group benefit plans cover children to the age of 21 if they are not in school, or up to age 25 if they are enrolled in a post-secondary program.
Can I add stepchildren to my health and dental plan?
Yes, you can add stepchildren to your health and dental insurance plan. Generally, they need to be unmarried and dependent on you for maintenance and support.
In addition to stepchildren, biological and adoptive children can also be covered under your health and dental insurance as long as you have legal guardianship.
In addition to stepchildren, biological and adoptive children can also be covered under your health and dental insurance as long as you have legal guardianship.
Can I add grandchildren to my health and dental insurance plan?
Typically, only immediate family members in your household are eligible to be covered under your health and dental plan.
However, a grandchild can be added as a dependent if you have legal guardianship and they reside with you.
However, a grandchild can be added as a dependent if you have legal guardianship and they reside with you.
When are children eligible for health and dental insurance?
Dependent children are eligible to be added to your health care plan at birth.
If you have a newborn child, you can usually add them to your plan without medical underwriting provided you apply to do so within 30 days of birth.
If you have a newborn child, please email support@aeva.ca for assistance in adding them to your plan.
If you have a newborn child, you can usually add them to your plan without medical underwriting provided you apply to do so within 30 days of birth.
If you have a newborn child, please email support@aeva.ca for assistance in adding them to your plan.
When should I apply for health and dental insurance?
There are several ideal times to apply for health and dental insurance. Here are the key instances when you should consider it:
- When you are young and have relatively little health history.
- When you turn 21 and are no longer a 'dependent' under your parents' plan. This could extend to age 25 if you were a full-time student attending post-secondary (depending on the plan your parents have).
- When you become a Canadian citizen and are covered by a provincial government health care plan.
- When you leave your employer and lose your employee group benefits (applying within 60 days is best).
- When you separate from a spouse and need to find your own plan.
- When you decide to become self-employed.
- When your employee group benefits are insufficient, and you wish to supplement with your own plan.
Can I get health and dental coverage if I recently moved to Canada?
If you've recently moved to Canada, individual health and dental plans require that you be covered by a provincial or territorial government health insurance plan.
If you aren't yet covered by government health insurance, we recommend seeking a travel insurance product known as 'visitors to Canada'. This type of insurance is designed to provide coverage until you are eligible for provincial or territorial health and dental plans.
Speak with an Aeva advisor, and they can assist you in finding the right plan.
If you aren't yet covered by government health insurance, we recommend seeking a travel insurance product known as 'visitors to Canada'. This type of insurance is designed to provide coverage until you are eligible for provincial or territorial health and dental plans.
Speak with an Aeva advisor, and they can assist you in finding the right plan.
What do you need to get health insurance?
To be eligible for an individual health insurance plan, you must meet the following requirements (regardless of the insurance company):
Be a resident of Canada and have coverage under your government health insurance plan. You must also be at least 18 years of age on the date of application for the policy, except for children of an insured person. Quebec residents must also be registered under the RAMQ Prescription Drug Insurance Plan or have equivalent coverage under a group plan.
Note: If the plan is Medically Underwritten, it will require a medical questionnaire, and you will need to qualify medically. If you do not qualify due to your health history, there are alternative options, such as a Guaranteed Acceptance plan, available.
Be a resident of Canada and have coverage under your government health insurance plan. You must also be at least 18 years of age on the date of application for the policy, except for children of an insured person. Quebec residents must also be registered under the RAMQ Prescription Drug Insurance Plan or have equivalent coverage under a group plan.
Note: If the plan is Medically Underwritten, it will require a medical questionnaire, and you will need to qualify medically. If you do not qualify due to your health history, there are alternative options, such as a Guaranteed Acceptance plan, available.