| BENEFIT DETAILS |
PLAN DIRECT
Comprehensive Plan |
PLAN DIRECT
Comprehensive + Drug Benefit |
SUN LIFE FINANCIAL
Basic Plan |
SUN LIFE FINANCIAL
Standard Plan |
PRESCRIPTIONS
Annual maximum
Enhanced Prescription
Drug
Deductible
Annual Maximum
|
No coverage
—
Optional Rider. Age 65 under
Choice of $2,500 or $5,000
$250,000 |
Choice of 100% without -OR-
90% with Drug Card
$1,200 Annually
Optional Rider. Age 65, Under
Choice of $2,500 / $5,000
$250,000 |
Excludes Fertility Drugs &
Contraceptive
Drug Card $5.00 Dispensing
Fee.
60%
$750
No Coverage
|
Excludes fertility drugs & contraceptive; Drug card; Full Dispensing fee
70% for first $7000; 100% on next $93,000
no coverage
|
HOSPITAL
Co-Insurance |
Semi Private 100%
$225 / day for 90 days |
Semi Private 100%
$225 / day for 90 days |
Optional Coverage 85%
$200 per day / Annually $5,000 |
OPTIONAL coverage
85% up to $200 per day/ Annually $5,000 |
IN-HOME NURSING
Co - Insurance
Maximum |
100%
Every 36 Months
$3,500 |
100%
Every 36 Months
$3,500 |
Annually
$2,500
Includes: Medical Equipment
$20,000 Combined Lifetime Max. |
Annually $5,000
$25,000 lifetime |
PARAMEDICAL:
Physiotherapist, Osteopath, Chiropractor, Naturopath, Podiatrist, etc. |
100%
R&C to $250 Annually
per practitioner |
100%
R&C to $250 Annually
per practitioner |
60%
$25 / visit
$250 Annually per practitioner |
100%
$300 per specialist/therapist
|
| Psychologists |
100%
R&C to $320 Annually |
100%
R&C to $320 Annually |
Included in Paramedical Amnt. |
Included in Paramedical Amount |
| Speech Therapist |
100%
R&C to $270 Annually |
100%
R&C to $270 Annually |
Included in Paramedical Amnt. |
Included in Paramedical Amount |
VISION CARE
Maximum
Waiting Period |
100%
Every 24 Months $200
No Waiting Period |
100%
Every 24 Months $200
No Waiting Period |
No Coverage |
100%
$150 per 2 benefit years
One Year Waiting Period |
HEARING AIDS
Annual Maximum |
100%
Every 5 Years
$500 |
100%
Every 5 Years
$500 |
60%
Every 5 Years
$400 |
100%
Every 5 year period
$400 |
| AMBULANCE |
100% |
100% |
60% Unlimited Air/Ground
|
100% Ground/air transport |
EMERGENCY
TRAVEL HEALTH |
Available as an Optional Rider.
30 consecutive day multi-trip.
Coverage under age 65;
15 consecutive day multi-trip
coverage for age 65-70 |
Available as an Optional Rider.
30 consecutive day multi-trip.
Coverage under age 65;
15 consecutive day multi-trip
coverage for age 65-70 |
No Coverage |
$1 Million lifetime
Unlimited number of trips lasting up to 60 days
Available up to age 80 |
| MEDICAL SUPPLIES |
100% - Some Internal Maximums |
100% - Some Internal Maximums |
100% - Some Internal Maximums |
100% - Some Internal Maximums |
ACCIDENTAL DENTAL
– covers 24/7 service for people who have an accident and or are injured at home or work. |
|
|
|
100% reimbursement
$2,000 per fracture/injury |
DENTAL CARE:
Basic Services
Deductible
Co-Insurance
Annual Maximum
Waiting Period
Recall |
Includes Endodontic, Periodontic and Oral Surgery
Nil
80% Basic
$1,000
No Waiting Period
6 Months |
Includes Endodontic, Periodontic and Oral Surgery
Nil
80% Basic
$1,000
No Waiting Period
6 Months |
Includes Periodontic Services
Nil
60%
$500
3 Month Waiting Period
9 Months |
Includes examinations, cleanings, fillings, scaling, polishing.
Nil
70% reimbursement
$750
3 months
9 months |
DENTAL CARE:
Major Restorative
Waiting Period |
Available as an Optional Rider
50% to $500 Annually
No waiting Period |
Available as an Optional Rider
50% to $500 Annually
No waiting Period |
Not Available
|
Not Available
|
| LIFETIME MAXIMUM |
NO LIFETIME MAXIMUM |
NO LIFETIME MAXIMUM |
Internal Coverage Maximums |
Internal Coverage Maximums |
METHOD OF
UNDERWRITING |
Short form declaration.
Accept or Decline. Rate basis
approach. Guaranteed
acceptance if coming from
similar coverage in the last
60 days |
Short form declaration.
Accept or Decline. Rate basis
approach. Guaranteed
acceptance if coming from
similar coverage in the last
60 days |
Short form declaration. Accept or Decline. |
Medically underwritten benefits. |
PRE-EXISTING
MEDICAL CONDITIONS |
Covered if accepted |
Covered if accepted |
Covered if Accepted. |
Pre-existing Medical Conditions
usually excluded or rated |
| UNDERWRITTEN BY |
Great-West Life |
Great-West Life |
Sun Life Financial Canada |
Sun Life Financial Canada |
| Note: The above information is a summary only. Please click here now to fill out your personal information form to receive a detailed plan illustration based upon your own personal needs. Call Comprehensive Health at 1-877-624-4559 for more information. |
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