Here is an overview of the types of insurance we offer to protect you and your dependents from the financial consequences of an illness, accident, inability to work or death.
Some plans also include a
health spending account (HSA) to cover additional medical and dental expenses.
Covers some expenses that aren’t reimbursed under public healthcare plans1, such as:
Covers the most common vision care expenses1, such as:
Covers expenses for a number of services so you or your family member can recover at home (after an operation, for example).
Normally comes with supplementary healthcare insurance and covers drug costs1.
Find out how to
keep your drug costs down.
Covers expenses for common dental treatments and procedures, such as:
Replaces your salary if you become disabled for a short or long period of time.
Pays a lump sum if you or a family member are diagnosed with a critical illness or undergo an eligible surgical procedure.
Pays a lump sum in the event of natural or accidental death.
Pays a lump sum in the event of accidental death, dismemberment or loss of sight.
Lets you increase the amount of your insurance coverage or purchase coverage that isn’t included in your basic plan.
Three types of optional insurance are available:
Cover certain emergency medical expenses incurred when you and your dependents are travelling out of your province of residence1.
You can also get medical, personal and financial assistance wherever you are, 24/7, thanks to our
Travel Assistance service.
Cover you while you’re working outside of the country or when you return after an extended absence, or if you are a foreign worker coming to Canada.
An HSA is an add-on to your group insurance. The idea is pretty simple: your employer deposits a certain number of credits in your HSA at the beginning of each reference year, which you and your dependents can use to pay for health and dental expenses that aren't covered.
Your HSA credits cover:
Learn more about the health spending account
1. Part of our extended healthcare benefit, which includes supplementary healthcare, vision care, home care and prescription drug insurance, as well as travel and trip cancellation insurance.