Guaranteed Acceptance
Health Plan
Health coverage without medical questions.
We can help you find a plan and benefits that suit your needs.
Guaranteed Acceptance
Guaranteed Acceptance
Health Plan
Health coverage without medical questions.
We can help you find a plan and benefits that suit your needs.
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 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/Social worker/Clinical counsellor/ Psychotherapist |
$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 Aids1 | — | $400 / 5 years | $500 / 5 years | $350/5 years |
| Orthotics and Orthopedic Shoes | $150 | $150 | $225 | $105 |
| Vision Care1 | $100 / 2 years | $150 / 2 years | $300 / 2 years | $105 / 2 years |
| Diabetic Supplies2 | — | No overall maximum. $2,280 for Continuous Glucose Monitoring Sensors | No overall maximum. $2,280 for Continuous Glucose Monitoring Sensors | 70% up to a combined maximum of $2,500 per year with equipment, supplies, nursing care and prosthetics |
| Equipment2 | — | No overall maximum | No overall maximum | Combined maximum of $2,500 |
| Nursing care2 | — | $3,500 / 2 years | $5,600 / 2 years | Combined maximum of $2,500 |
| Prosthetics2 | — | 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 care |
| Accidental Dental | $7,000/lifetime | $7,000/lifetime | $7,000/lifetime | 70% up to $7,000/lifetime |
| Diagnostic Services Coverage | 100% | 100% | 100% | 100% |
| Laboratory Tests | $500 / CY | $500 / CY | $500 / CY | $500 / CY |
| CT Scan Computer Tomography | $250 / CY | $250 / CY | $250 / CY | $250 / CY |
| Magnetic Resonance Imaging | $675 / CY | $675 / CY | $675 / CY | $675 / CY |
| Ultrasound | $100 / CY | $100 / CY | $100 / CY | $100 / CY |
| Polysomnography | $500 / 2 CY | $500 / 2 CY | $500 / 2 CY | $500 / 2 CY |
| 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/Social worker/Clinical counsellor/ Psychotherapist |
|
|
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 Aids1 | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
$400 / 5 years |
|
Complete Health Enhanced |
$500 / 5 years |
| Guaranteed Acceptance | $350/5 years |
| Orthotics and Orthopedic Shoes | |
|
Complete Health Entry |
$150 |
|
Complete Health Essential |
$150 |
|
Complete Health Enhanced |
$225 |
| Guaranteed Acceptance | $105 |
| Vision Care1 | |
|
Complete Health Entry |
$100 / 2 years |
|
Complete Health Essential |
$150 / 2 years |
|
Complete Health Enhanced |
$300 / 2 years |
| Guaranteed Acceptance | $105 / 2 years |
| Diabetic Supplies2 | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
No overall maximum. $2,280 for Continuous Glucose Monitoring Sensors |
|
Complete Health Enhanced |
No overall maximum. $2,280 for Continuous Glucose Monitoring Sensors |
| Guaranteed Acceptance | 70% up to a combined maximum of $2,500 per year with equipment, supplies, nursing care and prosthetics |
| Equipment2 | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
No overall maximum |
|
Complete Health Enhanced |
No overall maximum |
| Guaranteed Acceptance | Combined maximum of $2,500 |
| Nursing care2 | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
$3,500 / 2 years |
|
Complete Health Enhanced |
$5,600 / 2 years |
| Guaranteed Acceptance | Combined maximum of $2,500 |
| Prosthetics2 | |
|
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 care |
| 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/lifetime |
| Diagnostic Services Coverage | |
|
Complete Health Entry |
100% |
|
Complete Health Essential |
100% |
|
Complete Health Enhanced |
100% |
| Guaranteed Acceptance | 100% |
| Laboratory Tests | |
|
Complete Health Entry |
$500 / CY |
|
Complete Health Essential |
$500 / CY |
|
Complete Health Enhanced |
$500 / CY |
| Guaranteed Acceptance | $500 / CY |
| CT Scan Computer Tomography | |
|
Complete Health Entry |
$250 / CY |
|
Complete Health Essential |
$250 / CY |
|
Complete Health Enhanced |
$250 / CY |
| Guaranteed Acceptance | $250 / CY |
| Magnetic Resonance Imaging | |
|
Complete Health Entry |
$675 / CY |
|
Complete Health Essential |
$675 / CY |
|
Complete Health Enhanced |
$675 / CY |
| Guaranteed Acceptance | $675 / CY |
| Ultrasound | |
|
Complete Health Entry |
$100 / CY |
|
Complete Health Essential |
$100 / CY |
|
Complete Health Enhanced |
$100 / CY |
| Guaranteed Acceptance | $100 / CY |
| Polysomnography | |
|
Complete Health Entry |
$500 / 2 CY |
|
Complete Health Essential |
$500 / 2 CY |
|
Complete Health Enhanced |
$500 / 2 CY |
| Guaranteed Acceptance | $500 / 2 CY |
| 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 Dismemberment5 | — | Applicant and spouse are covered up to a maximum of $10,000 each | Applicant and spouse are covered up to a maximum of $15,000 each | Applicant and spouse are covered up to a maximum of $25,000 each |
| Accidental Death and Dismemberment5 | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
Applicant and spouse are covered up to a maximum of $10,000 each |
|
Complete Health Enhanced |
Applicant and spouse are covered up to a maximum of $15,000 each |
| Guaranteed Acceptance | Applicant and spouse are covered up to a maximum of $25,000 each |
| Coverage | — | 70% | 80% | 80% |
| Annual Maximum | — | $100,000 | $300,000 | $2,500 |
| Smoking Cessation Drugs4 | — | $800 / 5 years | $800 / 5 years | — |
| Vaccines4 | — | — | $250 | — |
| Erectile Dysfunction4 | — | — | $250 | — |
| Fertility4 | — | — | $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 |
$100,000 |
|
Complete Health Enhanced |
$300,000 |
| Guaranteed Acceptance | $2,500 |
| Smoking Cessation Drugs4 | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
$800 / 5 years |
|
Complete Health Enhanced |
$800 / 5 years |
| Guaranteed Acceptance | — |
| Vaccines4 | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
$250 |
| Guaranteed Acceptance | — |
| Erectile Dysfunction4 | |
|
Complete Health Entry |
— |
|
Complete Health Essential |
— |
|
Complete Health Enhanced |
$250 |
| Guaranteed Acceptance | — |
| Fertility4 | |
|
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 calendar year unless otherwise stated. See policy booklet for more details.
1Waiting periods may apply to some benefits.
2The combined maximum applies to the coverage for diabetic supplies, equipment and supplies, nursing and prosthetics.
3 Reimbursement at 70% or 80% based on the selected coverage for: the deductible and the coinsurance payable under the Régie de l’assurance maladie du Québec (RAMQ) list of medications or under an equivalent group insurance coverage, and the cost of prescription drugs not listed on the RAMQ list of medications provided they meet the definition of eligible drugs under the policy and appear on the managed drug formulary.
4Maximums do not apply if the drugs are indicated as covered under the List of Medications administered by RAMQ or under an equivalent group plan. Benefit Annual Maximum applies.
5Blue Cross Life Insurance Company of Canada underwrites Accidental Death and Dismemberment coverage.
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Quebec 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.