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Guaranteed Issue

Guaranteed Issue Health Plan

Coverage without medical questions!

While Elements plans offer comprehensive coverage and best overall value, medical questions can disqualify some applicants. But that's no reason to give up, because there is an alternative.

The Guaranteed Issue Health Plan provides basic coverage for routine medical expenses and, with no medical underwriting, our Guaranteed Issue Health Plan covers pre-existing conditions.

What's in a Guaranteed Issue Health Plan?

Accidental Dental: 70% up to $7,000 per lifetime

Ambulance: 70% up to $420 per year

Ambulance Attendant: 70% up to $280 per year

Accidental Death & Dismemberment:

Provides coverage in the event of accidental loss of life or dismemberment. The applicant and applicant’s spouse are covered up to a maximum of $25,000 each. Where applicable, dependent children are covered to a maximum of $5,000 each.

Benefits & payment:

  • Loss of life: 100% of $25,000/$5,000
  • Loss of, or loss of use of, both hands or both feet: 100% of $25,000/$5,000
  • Loss of, or loss of use of, one hand and one foot: 100% of $25,000/$5,000
  • Loss of entire sight of both eyes: 100% of $25,000/$5,000
  • Loss of, or loss of use of, one hand or one foot: 50% of $25,000/$5,000

Coverage for Accidental Death and Dismemberment terminates following the attainment of age 65.
Last Expense Benefit: $5,000 coverage for each participant in the event of accidental death.

Health Practitioners: 70%

  • Chiropractor up to $300 per year
  • Massage Therapist up to $300 per year
  • Osteopath up to $300 per year
  • Physiotherapist up to 20 visits per year
  • Podiatrist/Chiropodist up to $300 per year
  • Psychologist/Social Worker/Clinical Counsellor up to $300 per year
  • Speech Therapist up to $300 per year

Hearing Aids: 70% up to $350 per 5 years (6 month waiting period)

Wellness Program - inConfidence for Individual: 24 hour counselling and online resources to help you manage everyday issues relating to family, work, health and money

Managing Chronic Disease: 70% up to $300 per year

Orthotics and Orthopedic Shoes: 70% up to $105 per year

Semi-Private Room Hospital Benefits:

  • 100% coverage for up to 90 days per year
  • $30 a day when a semi-private room is not available
  • 8 month waiting period for claims related to pregnancy

Vision Care: 70% up to $105 per 2 years (6 month waiting period)

Diabetic Supplies, Medical Equipment, Medical Services and Supplies (including oxygen and ostomy), Nursing Care and Prosthetic Appliance: 70% up to a combined maximum of $2,500 per year

70% coverage. Coverage must be active for 6 months before benefits become eligible.

Recall examination: 1 per calendar year

Scaling: 1 unit* per calendar year

Polishing: 1 unit* per calendar year




Root canal therapy

Denture cleaning, rebasing, relining and repairs

*1 unit = 15 minutes

80% coverage, up to $1,000 per year

Questions? Ready to apply?