Types of insurance

Here is an overview of the types of insurance available to protect your employees and their dependents from the financial consequences of illness, accident, inability to work or other events.

You can also add value to your group insurance plan by offering a health spending account (HSA) or a wellness account.

Supplementary healthcare1

Covers some expenses that aren’t reimbursed under public healthcare plans, such as:

  • Hospitalization expenses
  • Medical expenses
  • Fees for healthcare professionals

Vision care1

Covers the most common vision care expenses, such as:

  • Eye exams
  • Glasses and contact lenses
  • Eye surgery

Convalescent care1

Covers expenses incurred to help plan members recover at home, such as after an operation.

Prescription drug1

Normally included in supplementary healthcare insurance and covers drug costs.

Dental care

Covers expenses for common dental treatments and procedures, such as:

  • Preventive care (checkups, cleanings)
  • Restorative care (fillings, crowns, dentures, etc.)


Replaces the salaries of employees who become disabled for a short or long period of time.

Critical illness

Pays a benefit if an insured is diagnosed with a covered critical illness or has to undergo an eligible surgical procedure.

  • Pays a lump sum on diagnosis
  • Offers a personalized solution to support the employee’s recovery strategy


Pays a benefit in the event of an employee’s natural or accidental death.

  • A tax-free lump sum is paid to beneficiaries.
  • The benefit amount can be increased with optional insurance.
  • Employees can maintain coverage when they retire or leave their job.

Accidental death and dismemberment

Pays a benefit in the event of accidental death, dismemberment or loss of sight.

  • In the case of a death, this amount is paid on top of the life insurance lump sum.

Gender affirmation1

Reimburses trans and non-binary individuals for certain fees not covered by public healthcare plans, such as:

  • Healthcare services
  • Aesthetic services
  • Surgeries
Learn more about gender affirmation coverage (PDF, 251 KB)


Lets plan members increase the amount of their insurance coverage or purchase coverage that isn’t included in their basic plan.

Three types of optional insurance are available:

  • Life
  • Critical illness
  • Accidental death and dismemberment

Travel and trip cancellation1

Covers emergency medical expenses incurred when plan members are travelling out of their province of residence.

  • Emergency healthcare
  • Repatriation
  • Trip cancellation or interruption

Plan members also have 24/7 access to medical, personal and financial assistance wherever they are, thanks to our Travel Assistance service.

For expatriate employees

For temporary residents

Covers Canadians who are working outside of the country or who return after an extended absence, as well as foreign workers coming to Canada.

  • Insurance solution for expatriate groups
  • Temporary health insurance to replace provincial plan coverage

1. This coverage is part of your extended healthcare benefit and any eligible expenses are subject to the conditions set out under that benefit.