Guaranteed Acceptance
Health Plan
Health coverage without medical questions.
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.
Guaranteed Acceptance
Guaranteed Acceptance
Health Plan
Health coverage without medical questions.
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.
The Guaranteed Acceptance Health Plan provides
basic health coverage for routine medical expenses.
With no medical underwriting, our Guaranteed Acceptance Health Plan covers pre-existing conditions.
Guaranteed Acceptance perks
Get a range of health benefits
Enjoy health benefits without any health questions to qualify.
Add optional drug coverage
You're covered for $2500 a year.
Take your coverage with you
Add optional out-of-province travel coverage.
What’s in a Guaranteed Acceptance Health Plan?
| 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 |
| Accidental Dental | $7,000 / lifetime | $7,000 / lifetime | $7,000 / lifetime | 70% up to $7,000 per lifetime |
| 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 |
| 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 |
| 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 | — |
| 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 Death and Dismemberment*** | — | 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 $20,000 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 $15,000 each |
|
Complete Health Enhanced |
Applicant and applicant’s spouse are covered up to a maximum of $20,000 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.
Have more questions?
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®Ontario Blue Cross is a registered trademark of the Canadian Association of Blue Cross Plans (CABCP) licensed to the Canassurance Hospital Service Association (CHSA), an independent member of CABCP operating in Ontario as Ontario Blue Cross.
* Trade-mark of the Canadian Association of Blue Cross Plans. † Trade-mark of Blue Cross Blue Shield Association. All rights reserved.