What is Personal Health Insurance?

Personal Health Insurance (PHI) products help lower your risk of being burdened by expenses for preventative care or medical bills as a result of an accident or illness. While provincial health plans provide coverage for many health expenses, there are gaps that can have a significant impact on your finances. For example, depending on the province or territory where you live, you may have to pay for:

• Prescription drugs to treat a chronic or serious health condition

• Emergency medical services provided in another country

• Practitioners like physiotherapists to promote wellness or help with injury recovery

• Medical equipment to assist with your mobility

What we cover:

• Dental Minor/Major:

Basic Preventative and Restorative Services: recall exams, bitewing x-rays, preventative cleaning, fluoride, complete oral exams and full x-rays every 3 years. Endodontic and Periodontal treatment and Denture Services: periodontal scaling, occlusal equilibration, denture cleaning, relining or re-glazing dentures every 3 years.

• Extended Health Care:

Professional services/Registered Therapists: Acupuncturist, Chiropractor, Chiropodist/Podiatrist, Registered Massage Therapist, Naturopath, Osteopath, Physiotherapist, Psychologist/Registered Social Worker, Speech Therapist. Accidental dental.

• Prescription Drug

• Vision “Eyewear/Contacts”:

Prescription eyeglasses, contact lenses, laser eye surgery, eye examination.

• Travel out of Province 60 Days