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Elements Health Insurance


Live life the way you want.

We’ve got you covered.

Elements is a flexible health insurance plan that allows you to choose the benefits you want to meet your needs and budget.

Unlike other products on the market, Elements is designed to fit and grow with you.

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.

Building your Elements plan

Life doesn’t stay the same, so why should your health insurance? Build the plan you need now, knowing you can change it as your circumstances and needs change. Start by picking one of our three health modules and then add any other modules that make sense for you.

Step 1

Choose your Health Benefits module

Every Elements plan starts with a health benefits module, which covers you for vision care, physiotherapy, dietician services, counselling and more.

Compare modules

Step 2

Add optional Drug Benefits

Add an optional drug module to cover prescription drugs. There's no overall maximum on drug benefits!

Compare modules

Step 3

Add optional Dental Benefits

Our optional dental modules covers you for dental exams, cleanings, fillings and more.

Compare modules

Step 4

Add optional specialty modules

You can choose one, two or all three:

Assured Access module

Critical Illness module

Hospital Cash module

Step 5

Get an estimate

Our super-simple rate calculator will get you an estimate in no time.

Step 6

Apply Now!

Complete our easy online application and you'll soon be on your way to becoming a Medavie Blue Cross member.

A plan that's right for you

See how other members built their Elements plan to fit their lives.


Just starting out


Retiring Soon

Alex and Audrey

Married with kids

How do I know what kind of coverage I need?

Think about your and your family’s needs:

Consider Entry Health with Essential Drug coverage.

Enhanced Health comes with travel 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.

Why us?

You have lots of options. What makes us different?