1-877-443-0101, 416-493-0101
 
HomeContact us
Have  a Broker Call You !

Insurance :   Life  |  Mortgage Protection  |  Critical Illness   |  Disability   |  Health & Dental Benefits |  Group Benefits for Small Businesses

Visitors to Canada | Super Visa | Travel Insurance for Canadians | Snowbirds & Seniors | International Student | Canadian Student - Study Abroad

     Personal

         Health & Dental

                 Insurance Plans

 

Health Insurance Providers:

Manulife Financial - get your quote

  online and apply online

Group Medical Services (GMS) - get

   your quote online and apply online

Desjardins Financial Security

The Edge

 Ontario Blue Cross

 

Click here to get a quote on your email

Canadian Health & Dental care insurance for self-employed, contract workers, small business owners, retired or retiring individuals, anyone not covered  under group insurance plan (for residents of Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland, Nova Scotia, Ontario, Prince Edward Island,  Saskatchewan).

 

Canadian individual Health and Dental Insurance helps to cover costs of many health care expenses and may include coverage for Prescription Drugs, Dental Care, Extended Health benefits, Vision Care, Semi-Private or Private Hospital, Hospital Cash, Medical Travel, Catastrophic Coverage, Accidental Death & Dismemberment insurance.

 

Guaranteed Issue
Health & Dental Plans

No medical underwriting, no medical questionnaire, quick issue.

Click here to get a quote on your email

Have pre-existing conditions and take medications?

Insurance companies issue Health & Dental Plans, which cover pre-existing medial conditions and medications and do not require Medical Questionnaire at the time of application for this insurance. This policy may be the best solution for you if you have pre-existing medical conditions and medications. However, overall coverage provided by these plans is less than with medically underwritten plans. Please learn what is covered by each insurance plan below and get your quote

Manulife Financial

  Flexcare ComboPlus Starter

Get an Instant quote or Apply Online

  Association Base Health & Dental Plan

Get an Instant Quote or Apply Online

Ontario Blue Cross

        Blue Vision Express Plan

Get a Quote


Guaranteed Issue Plans
after Expiry of Group Benefits

For retirees and everybody whose Group Benefits end.

No medical questionnaire required if you apply within 60 days after your group benefits expired.

 Click here to get a quote on your email

Your group benefit plan expires soon and you have pre-existing medical conditions?

Get your quote and apply ONLINE for plans designed to offer uninterrupted health and dental coverage for you and your family, when your retire or your employment and group benefits end. If you apply within 60 days of your loss of group health and dental benefits, your application will be automatically accepted.  

 

Manulife Financial

FollowMe

 Basic plan

 Enhanced plan

 Enhanced Plus plan

 Premiere plan

Get an Instant quote or Apply Online

 

Group Medical Services

 Replacement Health Coverage

 Get an Instant Quote or Apply Online


Prescription Drugs Insurance Plans


Click here to get a quote for Prescription Drug Plans on your email.

 

Prescription Drugs plans include Prescription drugs benefit as well as coverage for extended health  services:  Registered Specialists and Therapists, Vision Care, Homecare and Nursing, Ambulance, Travel and other benefits. There is no Dental Care benefit  in these plans. All Prescription Drugs plans are medically underwritten, medical questionnaire required: they are designed to cover your future losses (like Critical Illness insurance, Disability Income Loss or Long Term Care insurance). Please learn what is covered by each insurance plan below and choose the plan best suited to your needs, wants and budget.  

 

Manulife Financial

 Flexcare DrugPlus Basic

 Flexcare DrugPlus Enhanced

 Flexcare Catastrophic (unlimited coverage for

    prescription drugs)

Get an Instant quote or Apply Online

 

Group Medical Services

 BasePlan + Prescription Drugs
 ExtendaPlan + Prescription Drugs
 OmniPlan + Prescription Drugs

Get an Instant Quote or Apply Online

 

The Edge

 Base Health Plan
 Base Health Plan + Drug upgrade

Get a Quick Online Quote, or

 Click here to check your rates

 

Ontario Blue Cross

        Blue Vision Global Plan

Get a Quote


Dental Insurance Plans

 

 Click here to get a quote for Dental Plans on your email.

Dental plans include Dental care  benefits as well as coverage for extended health  services:  Registered Specialists and Therapists, Vision Care, Homecare and Nursing, Ambulance, Travel and other benefits. There is no prescription drug benefit  in these plans. Please learn what is covered by each insurance plan below and choose the Dental plan best suited to your needs, wants and budget.

 

Manulife Financial

Flexcare (no medical questionnaire required)

 DentalPlus Basic

 DentalPlus Enhanced

Get an Instant quote or Apply Online

Association plans  (no medical questionnaire)

 Base Dental
 Bronze Dental
 Silver Dental
 Gold Dental

Get an Instant Quote or Apply Online

 

Group Medical Services

 BasePlan + Dental
 ExtendaPlan + Dental
 OmniPlan + Dental

Get an Instant Quote or Apply Online

 

Ontario Blue Cross  

        Blue Vision Global Plan

Get a Quote


Why do you need
Health & Dental Insurance ?

Many routine health care expenses in Canada such as dental services, prescription drugs, prescription eyewear, and registered specialists and therapists are not covered by your Government Health Insurance Plan. If you're without an employee group plan, these expenses can come out of your pocket. And should an accident or serious illness occur, additional medical expenses might be difficult to pay. Individual Health Care Insurance can help to cover these costs, and many more. Like any other insurance plans, Individual Health Care Insurance gives you peace of mind, provides a safety net for potential financial losses as well as makes easier the burden of day to day medical and dental expenses. 


Potential Tax Advantage

If you're self-employed or are an employee of your own business, health and dental premiums may be a non-taxable benefit and a tax-deductible expense. For others, the premiums may qualify as a medical expense and create a tax credit.

Here's how it may work for self-employed *:

Health and Dental Plan Annual Premium:

$900

Tax deduction assuming 30% marginal rate

-$270

Total Net Cost

$630

Saved Annual Expenses (paid through health & dental plan)

Prescription Drug costs

-$180

Dental costs

-$200

Contact lenses

-$100

Chiropractor/Registered Massage Therapist

-$150

Total Expenses

-$630

Your Cost

$0

* The example shown is for illustrative purposes only and is not meant to be representative of every situation. Your actual savings will depend on the policy selected and the expenses you incur. You should seek the advice of a professional to determine your eligibility for tax deductions.


Ask Your Question

 Investments:     RESP    |  Canada Education Savings Grant  |    Canada Learning Bond    

                           RRSP   |  Home Buyer's Plan    |    Lifelong Learning Plan   |   Spousal RRSP 

Revised: April 07, 2018