Health Insurance without medical questions, for those with pre-existing conditions.
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 Issue is comprehensive health insurance for Canadians under-served by standard insurance products. With no medical underwriting, our Guaranteed Issue Health Plan covers pre-existing conditions.
Elements Entry |
Elements Essential |
Elements Enhanced |
Guaranteed Issue |
---|
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 | |
Elements Entry |
60% |
Elements Essential |
70% |
Elements Enhanced |
80% |
Guaranteed Issue | 70% |
Health Practitioners Massage Therapist |
|
Elements Entry |
— |
Elements Essential |
$400 |
Elements Enhanced |
$500 |
Guaranteed Issue | $300 |
Health Practitioners Physiotherapist |
|
Elements Entry |
$250 |
Elements Essential |
$400 |
Elements Enhanced |
$500 |
Guaranteed Issue | $300 |
Health Practitioners Psychologist |
|
Elements Entry |
$250 |
Elements Essential |
$400 |
Elements Enhanced |
$500 |
Guaranteed Issue | $300 |
Health Practitioners Chiropractor |
|
Elements Entry |
$250 |
Elements Essential |
$400 |
Elements Enhanced |
$500 |
Guaranteed Issue | $300 |
Health Practitioners Acupuncturist |
|
Elements Entry |
— |
Elements Essential |
$400 |
Elements Enhanced |
$500 |
Guaranteed Issue | — |
Health Practitioners Dietitian |
|
Elements Entry |
$250 |
Elements Essential |
$400 |
Elements Enhanced |
$500 |
Guaranteed Issue | — |
Health Practitioners Naturopath |
|
Elements Entry |
— |
Elements Essential |
$400 |
Elements Enhanced |
$500 |
Guaranteed Issue | — |
Health Practitioners Audiologist |
|
Elements Entry |
$250 |
Elements Essential |
$400 |
Elements Enhanced |
$500 |
Guaranteed Issue | — |
Health Practitioners Occupational Therapist |
|
Elements Entry |
$250 |
Elements Essential |
$400 |
Elements Enhanced |
$500 |
Guaranteed Issue | — |
Health Practitioners Osteopath |
|
Elements Entry |
$250 |
Elements Essential |
$400 |
Elements Enhanced |
$500 |
Guaranteed Issue | $300 |
Health Practitioners Podiatrist/Chiropodist |
|
Elements Entry |
$250 |
Elements Essential |
$400 |
Elements Enhanced |
$500 |
Guaranteed Issue | $300 |
Health Practitioners Speech Therapist |
|
Elements Entry |
$250 |
Elements Essential |
$400 |
Elements Enhanced |
$500 |
Guaranteed Issue | $300 |
Ambulance | |
Elements Entry |
— |
Elements Essential |
$420 |
Elements Enhanced |
$420 |
Guaranteed Issue |
70% up to $420 per year Ambulance Attendant: 70% up to $280 per year |
Hearing Aids* | |
Elements Entry |
— |
Elements Essential |
$400 / 5 years |
Elements Enhanced |
$500 / 5 years |
Guaranteed Issue | $350/5 years |
Family Assistance Program | |
Elements Entry |
included |
Elements Essential |
included |
Elements Enhanced |
included |
Guaranteed Issue | included |
Orthotics | |
Elements Entry |
$150 |
Elements Essential |
$150 |
Elements Enhanced |
$225 |
Guaranteed Issue | $105 |
Vision Care* | |
Elements Entry |
$100 / 2 years |
Elements Essential |
$150 / 2 years |
Elements Enhanced |
$300 / 2 years |
Guaranteed Issue | $105 / 2 years |
Diabetic Supplies** | |
Elements Entry |
— |
Elements Essential |
No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies |
Elements Enhanced |
No overall maximum. $2,280 for Continuous Glucose Monitoring Supplies |
Guaranteed Issue | 70% up to a combined maximum of $2,500 per year with equipment, supplies, nursing and prosthetics |
Equipment** | |
Elements Entry |
— |
Elements Essential |
No overall maximum |
Elements Enhanced |
No overall maximum |
Guaranteed Issue | combined maximum of $2,500 |
Nursing** | |
Elements Entry |
— |
Elements Essential |
$3,500 / 2 years |
Elements Enhanced |
$5,600 / 2 years |
Guaranteed Issue | combined maximum of $2,500 |
Prosthetics** | |
Elements Entry |
— |
Elements Essential |
Up to $10,000 / Lifetime |
Elements Enhanced |
Up to $10,000 / Lifetime |
Guaranteed Issue | 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 | |
Elements Entry |
60% ($500/year) |
Elements Essential |
70% |
Elements Enhanced |
80% |
Guaranteed Issue | 70% |
Fillings | |
Elements Entry |
$500 |
Elements Essential |
no overall maximum |
Elements Enhanced |
no overall maximum |
Guaranteed Issue | no overall maximum |
Extractions and Root Canals | |
Elements Entry |
— |
Elements Essential |
no overall maximum |
Elements Enhanced |
no overall maximum |
Guaranteed Issue | no overall maximum |
Periodontal | |
Elements Entry |
— |
Elements Essential |
— |
Elements Enhanced |
$1,200 |
Guaranteed Issue | — |
Major | |
Elements Entry |
— |
Elements Essential |
— |
Elements Enhanced |
$500 |
Guaranteed Issue | — |
Orthodontics (18 and under) | |
Elements Entry |
— |
Elements Essential |
— |
Elements Enhanced |
$1,500 / lifetime |
Guaranteed Issue | — |
Accidental Dental | |
Elements Entry |
$7,000 / lifetime |
Elements Essential |
$7,000 / lifetime |
Elements Enhanced |
$7,000 / lifetime |
Guaranteed Issue | 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 | |
Elements Entry |
— |
Elements Essential |
Applicant and applicant’s spouse are covered up to a maximum of $10,000 each |
Elements Enhanced |
Applicant and applicant’s spouse are covered up to a maximum of $15,000 each |
Guaranteed Issue | 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 | |
Elements Entry |
— |
Elements Essential |
70% |
Elements Enhanced |
80% |
Guaranteed Issue | 80% |
Annual Maximum | |
Elements Entry |
— |
Elements Essential |
No overall maximum |
Elements Enhanced |
No overall maximum |
Guaranteed Issue | $2,500 |
Birth Control | |
Elements Entry |
— |
Elements Essential |
Covered |
Elements Enhanced |
Covered |
Guaranteed Issue | Covered |
Smoking Cessation | |
Elements Entry |
— |
Elements Essential |
$800 / 5 years |
Elements Enhanced |
$800 / 5 years |
Guaranteed Issue | — |
Vaccines | |
Elements Entry |
— |
Elements Essential |
— |
Elements Enhanced |
$250 |
Guaranteed Issue | — |
Erectile Dysfunction | |
Elements Entry |
— |
Elements Essential |
— |
Elements Enhanced |
$250 |
Guaranteed Issue | — |
Fertility | |
Elements Entry |
— |
Elements Essential |
— |
Elements Enhanced |
$1,500 / year, $3,000 lifetime |
Guaranteed Issue | — |
Trip Duration | — | — | 30 days | 17 days |
Trip Duration | |
Elements Entry |
— |
Elements Essential |
— |
Elements Enhanced |
30 days |
Guaranteed Issue | 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.
InConfidence
Access short-term counselling and legal advice any day, any time – included in your plan.
Manage chronic disease
Access a network of specialized health professionals online or in person without a referral from your doctor.
Thrive with diabetes
Diabetics receive a Glucose Monitoring System and access to a network of Certified Diabetes Educators.
Healthcare your way
We’ve partnered with digital innovators to bring healthcare to you.
We're ready to help! Call 1-866-492-2583 Monday to Friday, 8:00 am to 6:00 pm AST