Personal Health Insurance

An individual healthcare plan that fits your lifestyle is an important part of an overall wellness plan.

Our Personal Health insurance plans give you coverage for everyday health needs and medical emergencies. And they cover a wide variety of services, such as massage and acupuncture, so you don’t have to miss a night out with friends to afford treatment that helps you feel your best. 

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Read more about our plans below to find the one best for you.

OmniPlan®

Your superior health insurance choice with extensive benefit coverage.

Benefits include:

  • Acupuncture, massage and naturopath appointments
  • Glasses and contacts
  • Accidental dental

OmniPlan provides full-circle care for you and your family. Benefits cover your current and future health needs including services such as chiro and physio. With our highest limits for glasses and contacts, as well as coverage for specialty services such as massage, this plan allows you to take good care of your family. Don’t forget to add prescription drug or dental benefits to complete your coverage. 

When the unexpected happens, we’re here to help

OmniPlan includes coverage for emergency situations and extended hospital stays. From ambulances and preferred hospital rooms to casts, we take care of the costs so you can focus on the things that matter most – you and your family in a time of need. 

Check out the chart below for a list of full plan benefits and to compare your options.

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ExtendaPlan®

This plan covers a wide range of benefits for everyday and emergency needs.

Benefits include:

  • Chiro, physio, and psychology appointments
  • Glasses and contacts
  • Casts and crutches

ExtendaPlan provides all the coverage you need, with a little bit more for good measure. This Personal Health benefits plan covers services and health care items your regular government insurance plan doesn’t. With $250 for health practitioners, you have coverage for the services you need to be your healthiest. Need new glasses? We’ll help you out. Orthotics? We’ll help with those too. And don’t forget to add prescription drug or dental benefits to complete your coverage. 

Check out the chart below for a list of full plan benefits and to compare your options.

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BasicPlan

Ideal coverage for unexpected emergencies and health needs.

Benefits include:

  • Ambulance services
  • Preferred hospital rooms
  • Accidental dental
  • In-hospital drugs

Unexpected health emergencies are scary enough. Having to foot the bill for things your government insurance doesn’t cover shouldn’t be one of your worries. When the unexpected happens, BasicPlan has you covered for things such as an ambulance ride or a wheelchair. You can expand your benefits by adding prescription drug coverage and dental benefits. 

Check out the chart below for a list of full plan benefits and to compare your options.

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Add-on to your plan for maximum coverage.

You can add dental, drug and hospital cash benefits to any of our Personal Health plans, for just a few more dollars each month. With our Additional Coverage Options you get coverage to access what you need, when you need it, so you can get back to doing the things you love.

Love to travel? In Saskatchewan insurance for medical emergencies when you're on a trip is included in our ExtendaPlan and OmniPlan. In all other provinces and territories, you can add travel emergency medical coverage to your BasicPlan, ExtendaPlan or OmniPlan. 

Our plans complement your lifestyle.

We do our best to make your life easy.

  • Send us your claim online and sign up for direct deposit, so you can get your money back faster.
  • Pharmacies, dentists as well as health and vision practitioners can bill us directly for covered expenses, no need for you to submit a claim.
  • Get discounts on eyewear at Factory Optical and Optiks International. Find out more >

Let's compare your options.

OmniPlan®

ExtendaPlan®

BasicPlan

Eye Exams

$90 / 2 years

$120 / 2 years

Not included

Eyeglasses & Contacts

$200 / 2 years
Included in Eye Exam limit
Not included

Health Practitioners

$300 maximum per specialty, per person, per policy year.

$250 combined maximum, per person, per policy year.

Not included

Ambulance

Unlimited
Unlimited
$2,000 / person / year

Air Ambulance

Unlimited
Unlimited
Unlimited

Hearing Aids

$800 / 5 years, a one-year waiting period applies

$500 / 5 years, a one-year waiting period applies

Not included

Casts & Crutches

Unlimited
Unlimited
Unlimited

Health Supplies & Equipment

$500 / person / year
$500 / person / year
Not included

Annual Travel

  • 30 days coverage outside Canada
  • 183 days in Canada
  • $2,000,000 annual maximum
  • 48 or 63 days coverage outside Canada
  • 183 days in Canada
  • $2,000,000 annual maximum
Not included

Diabetic Supplies & Equipment

$300 / person / year
$300 / person / year
Not included

Oxygen Equipment

$500 / person / year to a lifetime maximum of $2,500
$500 / person / year to a lifetime maximum of $1,500
Not included

Blood Pressure Monitors

1 / policy / 5 years
1 / policy / 5 years
Not included

Custom Made Foot Orthotics

80% 1 / 3 years / adult; 1 / year for children under 16
80% 1 / 5 years / adult; 1 / year for children under 16
Not included

Orthopedic Shoes

$225 / person / year
$225 / person / year
Not included

Mobility Aids

$300 / person / year
$300 / person / year
Not included

Ostomy Supplies

$300 / person / year
$300 / person / year
Not included

Funeral Expenses

$4,000 for funeral expenses in the case of accidental death
Not included
Not included

Out-of-Province Referral

$50,000 / person lifetime maximum
$50,000 / person lifetime maximum
Not included

Preferred Hospital Room

45 days up to $3,500 / person / year
$1,000 / person / year
$500 / person / year

Private Duty Nursing

80% to $5,000 / person / year for in-hospital or in-home nursing.

80% to $3,000 / person / year for in-hospital or in-home nursing.

80% to $1,500/ person / year for in-hospital nursing.

In-Hospital Drugs

$2,000 / person / year
$1,000 / person / year
$1,000 / person / year

Accidental Dental

$5,000 / injury
$2,000 / injury
$500 / injury

Wheelchairs, Motorized Scooters & Adjustable Beds

$1,000 / person / 5 years, a one-year waiting period applies

$750 / person / 5 years, a one-year waiting period applies

$500 / person / 5 years, a one-year waiting period applies

Artificial Limbs, Eyes & Larynx

$5,000 / person / year
$5,000 / person / year
$5,000 / person / year

Patient Walkers

80% of purchase or rental to a maximum of $300 / person / 5 years
80% of purchase or rental to a maximum of $300 / person / 5 years
80% of purchase or rental to a maximum of $300 / person / 5 years

Breast Prosthesis

$325 / 2 years lateral $650 / 2 years bilateral
$325 / 2 years lateral $650 / 2 years bilateral
$175 / 2 years lateral $350 / 2 years bilateral
See More

This is a summary of benefits. Please see the policy for complete details. 

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Additional Coverage Options

Personalize your plan by adding any of these options.

Covers the cost of newly prescribed formulary† drugs up to $3,500 per person, per year.

Exclusions apply. See the policy for complete details.

† Formulary drugs are prescription drugs a provincial or territorial government includes in their drug plan formulary and for which the government provides cost sharing with its residents. Formularies vary by province and territory.

Basic Prescription Drugs - Full List of Exclusions

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Covers the cost of newly prescribed formulary† drugs. Use up to $800 of the $5,000 maximum per year to cover pre-existing conditions and non-formulary† drugs.

Exclusions apply. See the policy complete details. 

† Formulary drugs are prescription drugs a provincial or territorial government includes in their drug plan formulary and for which the government provides cost sharing with its residents. Formularies vary by province and territory.

Coverage for basic services such as exams, polishing, and fillings and major services such as crowns, bridges, and dentures. 

  • Year 1 - $500 maximum for basic services
  • Year 2 - $750 maximum for basic and major services
  • Year 3 - $1,000 maximum for basic and major services

A waiting period may apply. See the policy for complete details. 

Dental Services

A list of dental services

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Provides you with $100 per day, to a maximum of $3,000 per year, to cover your out-of-pocket expenses during an extended hospital stay including food, parking, wifi, and TV.

See the policy for complete details. 

Basic Prescription Drugs - Full List of Exclusions

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Insurance for medical emergencies while you're travelling.

In Saskatchewan Annual Travel coverage is included in our ExtendaPlan and OmniPlan.

For all other provinces, Annual Travel is an option that can be added to a BasicPlan, ExtendaPlan or OmniPlan. The travel option includes $2 million in coverage and your choice between an unlimited number of trips up to 15, 30 or 48 days per year.

See the policy for complete details. 

Full details on Additional Coverage Options, along with the terms, conditions, limitations and exclusions are in the policy.

Questions? You're not alone.

Here are some of the most frequently asked ones.

View Health Insurance FAQs

You might also be interested in:

Immigrants & Visitors Insurance

Travel Insurance

Group Benefits