Sun Life - Standard Plan

This plan might be best suitable for individuals who are approaching retirement, or who are presently retired and under the age of 70, and want the peace of mind of having coverage well into their retirement years. If you are in good health within 9 months of travelling outside your province of residence, the Emergency Medical Travel insurance is included until your 80th birthday.

Sun Life's Standard Plan has one of our industry's highest drug coverage limits. What makes this plan unique is the fact the Semi-Private Hospital accommodation and the Basic Dental Care are both optional benefits. If you are looking for more manageable monthly premiums, then give us a call at 1-800-433-5307 and we'll give you a price without one or both of these optional coverages. Now, let's take a closer look and see if this plan is right for you.

SUMMARY OF COVERAGES

Coverage is renewable after age 70
Applications must be made before the age of 70

Prescription Drugs:
70% reimbursement on the first $7,000
100% on the next $93,000
No policy deductibles
$100,000 maximum per year
Includes smoking cessation drugs ($250 lifetime max) Excludes fertility drugs and oral contraceptives

Semi-Private Hospital: (Optional Benefit)
$200 per day to a maximum of $5,000 per person per calendar year
85% coinsurance
Pregnancy at time of application is limited to 2 days reimbursement

Ambulance Services:
Ground and Air covered at 100%

Private Duty Nursing:
$5,000 per year to a maximum of $25,000 lifetime

Medical Supplies, Aids & Appliances:
i.e. myo-electric prostheses and standard external prostheses, braces for legs, arms, neck or back; hospital beds, crutches, patient lifts, wheelchairs, walkers and more - $5,000 maximum benefit per year. Some items of coverage have their own inside dollar limit.
Orthotics & Orthopaedic Shoes: $300 per person every 24 months

Dental Accidents:
Covered at 100% up to $2,000 maximum per accident

Paramedical Practitioners:
Acupuncturist, Chiropractor, Physiotherapist, Podiatrist, Speech Therapists, Osteopath, Psychologists, Massage Therapist and Naturopaths up to $300 per person per practitioner per calendar year

Vision Care:
$150 / 24 months per person

Eye Examinations:
Covered up to $50 per person every 24 months

Hearing Aids:
$400 every 5 yrs

Emergency Travel:
$1,000,000 lifetime benefit per person
9 month pre-existing clause
60 days maximum stay per trip
Benefit continues to the age of 80

Dental Care: Basic Level 1 (Optional Benefit)
70% up to $750 per person per year
(includes a 9 month recall examination)
3 month no claims waiting period
8 units of scaling or 2 hours per year
Only minor extractions are covered

Dental Care: Basic Level 2
Not Covered are:
Endodontics, periodontics, surgical services, repair and adjustments to dentures, major surgery, anaesthesia when oral surgery required, drug injections, laboratory procedures

Dental Care: Major Restorative
No Coverage available

Monthly Rates - Ontario

Age <     30:          $111.83 Single
Age 30 - 44:          $114.23 Single
Age 45 - 54:          $131.58 Single
Age 55 - 59:          $148.68 Single
Age 60 - 64:          $165.61 Single
Age 65 - 69:          $139.80 Single

Age <     30:          $201.28 Couple
Age 30 - 44:          $205.66 Couple
Age 45 - 54:          $236.84 Couple
Age 55 - 59:          $267.62 Couple
Age 60 - 64:          $298.12 Couple
Age 65 - 69:          $251.66 Couple

Age <     30:          $296.86 Family*
Age 30 - 44:          $301.24 Family*
Age 45 - 54:          $332.42 Family*
Age 55 - 59:          $363.20 Family*

*Family includes 2 children ages 5 +

Rates include Optional Benefits shown.

If you have any questions about the Sun Life Personal Health Plan or would like to receive an application for insurance, please feel free to contact us. Coverage would go into effect on the first of the month following the date your application is approved.

Gary White Insurance

Tel: (800) 433-5307 Bus. Cell: (416) 768-4279
Email: info@garywhiteinsurance.com