Complete Health
Flexible health insurance that allows you to choose the benefits that meet your needs and budget.
We can help you find a plan and benefits that suit your needs, or if you know what you're looking for get a quote.
Complete Health
Flexible health insurance that allows you to choose the benefits that meet your needs and budget.
We can help you find a plan and benefits that suit your needs, or if you know what you're looking for get a quote.
Unlike other products on the market,
Complete Health is designed to fit and grow with you.
Build the plan you need now, knowing you can change it as your circumstances and needs change. You can mix and match coverage and add or remove members to your policy. Best of all, you can pass coverage on to your children when they leave your plan.
Questions about coverage? You can compare coverage modules in the table below or give one of our agents a call, they’re always happy to help!
What kind of coverage do you and your family need?
| Complete Health Entry |
Complete Health Essential |
Complete Health Enhanced |
Guaranteed Acceptance |
|---|
| Coverage | 60% | 70% | 80% | 70% |
| Health Practitioners Massage Therapist |
— | $400 | $500 | $300 |
| Health Practitioners Physiotherapist |
$250 | $400 | $500 | $300 |
| Health Practitioners Psychologist |
$250 | $400 | $500 | $300 |
| Health Practitioners Chiropractor |
$250 | $400 | $500 | $300 |
| Health Practitioners Acupuncturist |
— | $400 | $500 | — |
| Health Practitioners Dietitian |
$250 | $400 | $500 | — |
| Health Practitioners Naturopath |
— | $400 | $500 | — |
| Health Practitioners Audiologist |
$250 | $400 | $500 | — |
| Health Practitioners Occupational Therapist |
$250 | $400 | $500 | — |
| Health Practitioners Osteopath |
$250 | $400 | $500 | $300 |
| Health Practitioners Podiatrist/Chiropodist |
$250 | $400 | $500 | $300 |
| Health Practitioners Speech Therapist |
$250 | $400 | $500 | $300 |
| Ambulance | — | $420 | $420 | 70% up to $420 per year Ambulance Attendant: 70% up to $280 per year |
| Hearing Aids* | — | $400 / 5 years | $500 / 5 years | $350/5 years |
| Family Assistance Program | included | included | included | included |
| Orthotics | $150 | $150 | $225 | $105 |
| Vision Care* | $100 / 2 years | $150 / 2 years | $300 / 2 years | $105 / 2 years |
| Diabetic Supplies** | — | No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies | No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies | 70% up to a combined maximum of $2,500 per year with equipment, supplies, nursing and prosthetics |
| Equipment** | — | No overall maximum | No overall maximum | combined maximum of $2,500 |
| Nursing** | — | $3,500 / 2 years | $5,600 / 2 years | combined maximum of $2,500 |
| Prosthetics** | — | Up to $10,000 / Lifetime | Up to $10,000 / Lifetime | 70% up to a combined maximum of $2,500 per year with diabetic supplies, equipment, supplies and nursing |
| Coverage | |
|
Complete Health Entry |
60% |
|
Complete Health Essential |
70% |
|
Complete Health Enhanced |
80% |
| Guaranteed Acceptance | 70% |
|
Health Practitioners Massage Therapist |
|
|
Complete Health Entry |
— |
|
Complete Health Essential |
$400 |
|
Complete Health Enhanced |
$500 |
| Guaranteed Acceptance | $300 |
|
Health Practitioners Physiotherapist |
|
|
Complete Health Entry |
$250 |
|
Complete Health Essential |
$400 |
|
Complete Health Enhanced |
$500 |
| Guaranteed Acceptance | $300 |
|
Health Practitioners Psychologist |
|
|
Complete Health Entry |
$250 |
|
Complete Health Essential |
$400 |
|
Complete Health Enhanced |
$500 |
| Guaranteed Acceptance | $300 |
|
Health Practitioners Chiropractor |
|
|
Complete Health Entry |
$250 |
|
Complete Health Essential |
$400 |
|
Complete Health Enhanced |
$500 |
| Guaranteed Acceptance | $300 |
|
Health Practitioners Acupuncturist |
|
|
Complete Health Entry |
— |
|
Complete Health Essential |
$400 |
|
Complete Health Enhanced |
$500 |
| Guaranteed Acceptance | — |
|
Health Practitioners Dietitian |
|
|
Complete Health Entry |
$250 |
|
Complete Health Essential |
$400 |
|
Complete Health Enhanced |
$500 |
| Guaranteed Acceptance | — |
|
Health Practitioners Naturopath |
|
|
Complete Health Entry |
— |
|
Complete Health Essential |
$400 |
|
Complete Health Enhanced |
$500 |
| Guaranteed Acceptance | — |
|
Health Practitioners Audiologist |
|
|
Complete Health Entry |
$250 |
|
Complete Health Essential |
$400 |
|
Complete Health Enhanced |
$500 |
| Guaranteed Acceptance | — |
|
Health Practitioners Occupational Therapist |
|
|
Complete Health Entry |
$250 |
|
Complete Health Essential |
$400 |
|
Complete Health Enhanced |
$500 |
| Guaranteed Acceptance | — |
|
Health Practitioners Osteopath |
|
|
Complete Health Entry |
$250 |
|
Complete Health Essential |
$400 |
|
Complete Health Enhanced |
$500 |
| Guaranteed Acceptance | $300 |
|
Health Practitioners Podiatrist/Chiropodist |
|
|
Complete Health Entry |
$250 |
|
Complete Health Essential |
$400 |
|
Complete Health Enhanced |
$500 |
| Guaranteed Acceptance | $300 |
|
Health Practitioners Speech Therapist |
|
|
Complete Health Entry |
$250 |
|
Complete Health Essential |
$400 |
|
Complete Health Enhanced |
$500 |
| Guaranteed Acceptance | $300 |
| Ambulance | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
$420 |
|
Complete Health Enhanced |
$420 |
| Guaranteed Acceptance |
70% up to $420 per year Ambulance Attendant: 70% up to $280 per year |
| Hearing Aids* | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
$400 / 5 years |
|
Complete Health Enhanced |
$500 / 5 years |
| Guaranteed Acceptance | $350/5 years |
| Family Assistance Program | |
|
Complete Health Entry |
included |
|
Complete Health Essential |
included |
|
Complete Health Enhanced |
included |
| Guaranteed Acceptance | included |
| Orthotics | |
|
Complete Health Entry |
$150 |
|
Complete Health Essential |
$150 |
|
Complete Health Enhanced |
$225 |
| Guaranteed Acceptance | $105 |
| Vision Care* | |
|
Complete Health Entry |
$100 / 2 years |
|
Complete Health Essential |
$150 / 2 years |
|
Complete Health Enhanced |
$300 / 2 years |
| Guaranteed Acceptance | $105 / 2 years |
| Diabetic Supplies** | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies |
|
Complete Health Enhanced |
No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies |
| Guaranteed Acceptance | 70% up to a combined maximum of $2,500 per year with equipment, supplies, nursing and prosthetics |
| Equipment** | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
No overall maximum |
|
Complete Health Enhanced |
No overall maximum |
| Guaranteed Acceptance | combined maximum of $2,500 |
| Nursing** | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
$3,500 / 2 years |
|
Complete Health Enhanced |
$5,600 / 2 years |
| Guaranteed Acceptance | combined maximum of $2,500 |
| Prosthetics** | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
Up to $10,000 / Lifetime |
|
Complete Health Enhanced |
Up to $10,000 / Lifetime |
| Guaranteed Acceptance | 70% up to a combined maximum of $2,500 per year with diabetic supplies, equipment, supplies and nursing |
| Coverage | 60% ($500/year) | 70% | 80% | 70% |
| Fillings | $500 | no overall maximum | no overall maximum | no overall maximum |
| Extractions and Root Canals | — | no overall maximum | no overall maximum | no overall maximum |
| Periodontal | — | — | $1,200 | — |
| Major | — | — | $500 | — |
| Orthodontics (18 and under) | — | — | $1,500 / lifetime | — |
| Accidental Dental | $7,000 / lifetime | $7,000 / lifetime | $7,000 / lifetime | 70% up to $7,000 per lifetime |
| Coverage | |
|
Complete Health Entry |
60% ($500/year) |
|
Complete Health Essential |
70% |
|
Complete Health Enhanced |
80% |
| Guaranteed Acceptance | 70% |
| Fillings | |
|
Complete Health Entry |
$500 |
|
Complete Health Essential |
no overall maximum |
|
Complete Health Enhanced |
no overall maximum |
| Guaranteed Acceptance | no overall maximum |
| Extractions and Root Canals | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
no overall maximum |
|
Complete Health Enhanced |
no overall maximum |
| Guaranteed Acceptance | no overall maximum |
| Periodontal | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
$1,200 |
| Guaranteed Acceptance | — |
| Major | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
$500 |
| Guaranteed Acceptance | — |
| Orthodontics (18 and under) | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
$1,500 / lifetime |
| Guaranteed Acceptance | — |
| Accidental Dental | |
|
Complete Health Entry |
$7,000 / lifetime |
|
Complete Health Essential |
$7,000 / lifetime |
|
Complete Health Enhanced |
$7,000 / lifetime |
| Guaranteed Acceptance | 70% up to $7,000 per lifetime |
| Accidental Death and Dismemberment*** | — | Applicant and applicant’s spouse are covered up to a maximum of $10,000 each | Applicant and applicant’s spouse are covered up to a maximum of $15,000 each | Applicant and applicant’s spouse are covered up to a maximum of $25,000 each |
| Accidental Death and Dismemberment*** | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
Applicant and applicant’s spouse are covered up to a maximum of $10,000 each |
|
Complete Health Enhanced |
Applicant and applicant’s spouse are covered up to a maximum of $15,000 each |
| Guaranteed Acceptance | Applicant and applicant’s spouse are covered up to a maximum of $25,000 each |
| Coverage | — | 70% | 80% | 80% |
| Annual Maximum | — | No overall maximum | No overall maximum | $2,500 |
| Birth Control | — | Covered | Covered | Covered |
| Smoking Cessation | — | $800 / 5 years | $800 / 5 years | — |
| Vaccines | — | — | $250 | — |
| Erectile Dysfunction | — | — | $250 | — |
| Fertility | — | — | $1,500 / year, $3,000 lifetime | — |
| Coverage | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
70% |
|
Complete Health Enhanced |
80% |
| Guaranteed Acceptance | 80% |
| Annual Maximum | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
No overall maximum |
|
Complete Health Enhanced |
No overall maximum |
| Guaranteed Acceptance | $2,500 |
| Birth Control | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
Covered |
|
Complete Health Enhanced |
Covered |
| Guaranteed Acceptance | Covered |
| Smoking Cessation | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
$800 / 5 years |
|
Complete Health Enhanced |
$800 / 5 years |
| Guaranteed Acceptance | — |
| Vaccines | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
$250 |
| Guaranteed Acceptance | — |
| Erectile Dysfunction | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
$250 |
| Guaranteed Acceptance | — |
| Fertility | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
$1,500 / year, $3,000 lifetime |
| Guaranteed Acceptance | — |
| Trip Duration | — | — | 30 days | 17 days |
| Trip Duration | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
30 days |
| Guaranteed Acceptance | 17 days |
Benefits are per person per year unless otherwise stated. See policy booklet for more details.
*Waiting periods may apply to some benefits.
**The combined maximum applies to the coverage for diabetic supplies, equipment and supplies, nursing and prosthetics.
***Blue Cross Life Insurance Company of Canada underwrites Accidental Death and Dismemberment coverage.
Your Complete Health plan comes with convenient health care features
Online Doctors Benefit
- Don’t have time to see your doctor?
- Don’t have a family doctor?
- Want a more convenient alternative to visiting a clinic?
Get three general practitioner visits a year—right from your computer or mobile device.
- Includes a secure digital health record for storing, sharing, and managing your health data.
- Provides the option to securely text, call, or video chat with the doctor.
- Includes digital prescriptions (free delivery or pickup), medical notes, lab and imaging requisitions.
- Provides access to a network of over 600 Canadian licensed physicians, even while travelling.
Online Doctors Benefit
- Don’t have time to see your doctor?
- Don’t have a family doctor?
- Want a more convenient alternative to visiting a clinic?
Get three general practitioner visits a year—right from your computer or mobile device.
- Includes a secure digital health record for storing, sharing, and managing your health data.
- Provides the option to securely text, call, or video chat with the doctor.
- Includes digital prescriptions (free delivery or pickup), medical notes, lab and imaging requisitions.
- Provides access to a network of over 600 Canadian licensed physicians, even while travelling.
inConfidence — Counselling and Support
Our full wellness program, inConfidence, comes with the Complete Health plan.
Help manage life’s challenges with inConfidence, a confidential assistance program that offers one-on-one counselling and support on various topics.
Available 24 hours a day, inConfidence provides appointments over the phone or in person, for no added cost.
inConfidence — Counselling and Support
Our full wellness program, inConfidence, comes with the Complete Health plan.
Help manage life’s challenges with inConfidence, a confidential assistance program that offers one-on-one counselling and support on various topics.
Available 24 hours a day, inConfidence provides appointments over the phone or in person, for no added cost.
Connecting you to more health practitioners
Complete Health offers coverage for a wide range of health practitioners that can help you better manage your physical and mental health.
Whether you need a dietician, occupational therapist, psychologist, audiologist, or massage therapist, Complete Health has you covered.
Connecting you to more health practitioners
Complete Health offers coverage for a wide range of health practitioners that can help you better manage your physical and mental health.
Whether you need a dietician, occupational therapist, psychologist, audiologist, or massage therapist, Complete Health has you covered.
Need a prescription? Don’t worry.
We don’t have an overall maximum on prescription drugs. This means we won’t limit your access to prescription drugs based on an annual maximum cost.
No one can predict the future, and if you do need expensive medication, we want to be there for you.
Many of our other benefits also don’t have overall maximums. With our extensive dental coverage, the Essential and Enhanced modules don’t have a maximum on fillings, extractions, and root canals.
Need a prescription? Don’t worry.
We don’t have an overall maximum on prescription drugs. This means we won’t limit your access to prescription drugs based on an annual maximum cost.
No one can predict the future, and if you do need expensive medication, we want to be there for you.
Many of our other benefits also don’t have overall maximums. With our extensive dental coverage, the Essential and Enhanced modules don’t have a maximum on fillings, extractions, and root canals.
Consider Entry Health with Essential Drug coverage.
Enhanced Health comes with travel coverage.
You need Enhanced Dental coverage.
Look for the Enhanced Drug module.
Both modules are comprehensive but our Enhanced Drug module also includes fertility drugs, vaccines, allergy serums and erectile dysfunction.
Consider the Assured Access module—you can put your plan on hold if you get group benefits provided by an employer, and re-activate it later on.
If you're interested in extra hospital coverage, above and beyond what’s included in your provincial plan, the Hospital Cash module provides $100/day if you get hospitalized.
You can add pre-approved life to your plan up to age 45.
If you're you worried about developing a catastrophic illness, like a major stroke, and not having adequate savings to cover living expenses, our Critical Illness module pays cash in the event of a major unexpected illness.
Have more questions?
We're ready to help you!
Ontario Blue Cross is a member of the Canadian Association of Blue Cross Plans.
* Trade-mark of the Canadian Association of Blue Cross Plans. † Trade-mark of Blue Cross Blue Shield Association. All rights reserved.