Health insurance

Get affordable coverage for the costs that come with illness or injury.

A Prospr advisor can explain the types of health insurance and help you pick the right one for your needs.

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Looking for a new provider for your private health insurance plan? Don’t have workplace benefits? Or maybe you’re interested critical illness insurance? Prospr’s health insurance solutions could be the answer.

Health insurance generally refers to insurance products that can help protect you against certain health events. Each product is a policy that gives you financial protection against the costs of medical events, like an injury or illness. The policy must be in effect before a medical need happens.

Health insurance from Prospr

Personal Health Insurance

Personal health insurance can help you cover medical bills and preventive care that isn’t covered or fully covered by your government or workplace plan. With three plans to choose from, Personal Health Insurance has options to help you pay for:

  • prescription drugs
  • dental treatments
  • vision care
  • emergency travel medical services
  • paramedical services like physiotherapy and massage

Health Coverage Choice

Health Coverage Choice is designed for people who are leaving their group or retiree benefit plan and need replacement coverage as soon as possible. Just like Personal Health Insurance, it helps you cover medical bills and preventive care.

If you’re leaving your workplace plan (or if you left in the last 60 days), Health Coverage Choice may be able to help you replace your benefits. No medical exam needed.

Sun Critical Illness Insurance

Critical illness insurance gives you a lump-sum payment if you’re diagnosed with one of the serious illnesses your policy covers. You can use the money any way you want, including to help you focus on your recovery.

Sun Critical Illness Insurance can:

  • Cover 26 full-payout illnesses, such as cancer, stroke, heart attack and dementia including Alzheimer’s,
  • Cover 8 partial-payout illnesses and 5 full-payout childhood illnesses,
  • Provide up to $3,000,000 in coverage for adults, and
  • Provide critical illness insurance for children – up to $1,000,000 in coverage.

Ultimately, health insurance isn’t one size fits all. Choosing the right health insurance for your situation means looking at what coverage you have, and what gaps you need to fill.

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Frequently asked questions

Health insurance costs can vary depending on a range of factors, such as the type of product and your age. Talk to a Prospr advisor to decide which product and plan is best for you and your budget.

To be eligible, you must have been enrolled in a workplace or retiree group benefits plan within the past 60 days. Your spouse may also apply if they were enrolled in your workplace or retiree group benefits plan and are age 18 to 74.

Coverage is also available for your dependent children. Your children and your spouse’s children (other than foster children) are eligible dependents if they are not married or in any other formal union recognized by law, and are under age 21. If your child is a full-time student at an educational institution recognized under the Income Tax Act (Canada), they are an eligible dependent until the age of 25. They must also be entirely dependent on you for financial support.

Your child is also an eligible dependent if:

  • They are physically or mentally unable to support themselves.
  • They became so while they depended on you for financial support under one of the two age requirements above.

It depends on the product and plan.

For Personal Health Insurance:

  • Basic plan: 60% reimbursement of eligible drug expenses, up to a yearly maximum of $750.
  • Standard plan: 70% reimbursement for the first $7,000, and 100% for the next $93,000 of yearly eligible drug expenses.
  • Enhanced plan: 80% for the first $5,000, and 100% for the next $245,000 of yearly eligible drug expenses.

For Health Coverage Choice:

  • Health and Dental Choice A: 80% reimbursement up to $500 per year.
  • Health Choice B: 80% reimbursement up to $1,300 per year.
  • Health Choice C: 80% reimbursement up to $2,600 per year.

A Prospr advisor can help you decide what’s best for you.

For Personal Health Insurance:

Dental coverage is included with our Basic plan. A three-month waiting period applies before you can get this coverage.

You can also add dental coverage to our Standard or Enhanced personal health insurance plans.

For Health Coverage Choice:

Dental coverage is included with our Health and Dental Choice A. You can also add dental coverage to our Health Choice B and Health Choice C plans.

If you’re applying for Sun Critical Illness Insurance, which offers coverage up to $3,000,000, you may need to complete a medical exam during the application process.