One option keeps health questions out of it. The other gives you more room to customize. Start with what matters most to you.
A straightforward plan when certainty matters most.
More flexibility if you're comfortable answering a few health questions.
Provincial coverage stops at hospitals and doctors. This plan picks up the essentials it leaves behind — prescriptions, dental and practitioners — with zero health screening.
Your pre-existing conditions are covered from day one — no health questionnaire, no exclusions, and the prescriptions you already fill are eligible right away.
Add dental, vision, hearing aids and prescription coverage on top of your provincial plan — the things government coverage was never built to handle.
Declined by another insurer? It doesn't matter here. Acceptance is guaranteed regardless of your health history.
Straightforward essential coverage for the everyday costs your provincial plan doesn't touch.
| Benefit | Guaranteed Acceptance Health Plan |
|---|---|
| Prescription drugs — 80% reimbursed | |
| Annual drug maximum | $625 per quarter, up to $2,500 / year |
| Birth control | Covered |
| Extended health care — 70% reimbursed | |
| Health practitioners (massage, physio, psychologist, chiropractor, osteopath, podiatrist, speech therapy) | $300 / year per practitioner |
| Ambulance | Up to $420 / year (+ $280 / year attendant) |
| Vision care | $105 per 24 months |
| Hearing aids | $350 per 5 years |
| Orthotics | $105 |
| Diabetic supplies, medical equipment, nursing & prosthetics | $2,500 / year combined |
| Accidental dental | Up to $7,000 lifetime |
| Dental care — 70% reimbursed | |
| Check-ups, x-rays, fillings, extractions & root canals | $1,000 / year combined |
| Travel | |
| Emergency medical coverage | Trips up to 17 days |
| Accidental death & dismemberment | |
| You and your spouse | Up to $25,000 each |
Day-to-day tools and support come standard — so using your coverage is as easy as having it.
The conditions and medications you already have are covered immediately — no exclusion clauses or fine-print surprises.
Show your card at participating pharmacies, dentists and practitioners and pay only your portion.
Submit claims from a photo, check what's covered and find providers anywhere in Canada.
Round-the-clock support across health, relationships, financial planning and legal questions.
Exclusive savings on health-related products and services across Canada.
We're licensed brokers based in Newfoundland & Labrador — you'll deal with a person, not a phone tree.
Continue to the carrier's secure application when you're ready.
Complete Health is medically underwritten. In return, you can shape the plan around the coverage you value and choose higher reimbursement levels.
You'll complete a medical questionnaire. Approval and coverage are subject to the carrier's review.
Choose a health level, then add the drug, dental and optional modules that fit your needs.
Move from Entry to Essential or Enhanced as you want broader coverage and higher maximums.
Health coverage is required. Drug and dental benefits are optional, and each can be selected at its own level.
Practitioners, medical care and supplies, vision and other everyday health expenses. Benefits and maximums increase by level.
Both levels pay 100% after $4,500 in eligible claims per calendar year and have no overall annual benefit maximum.
Choose routine dental coverage or step up to broader services. Waiting periods and service-specific limits apply.
A short view of how the required health coverage changes as you move up.
| Benefit | Entry | Essential | Enhanced |
|---|---|---|---|
| Health practitioners | |||
| Reimbursement level | 60% | 70% | 80% |
| Annual practitioner maximums | Up to $250 | Up to $400 | Up to $500 |
| Selected health benefits | |||
| Vision care | $100 / 2 calendar years | $150 / 2 calendar years | $300 / 2 calendar years |
| Ambulance | — | $420 / calendar year | $420 / calendar year |
| Emergency medical travel | — | — | 100% / 30 days per trip |
A cash benefit following a covered unexpected illness.
$100 per day for up to 100 days per year while hospitalized; lower limits apply over age 65.
Put coverage on hold if you gain group benefits, then reactivate later without qualifying medically again.
Continue to the carrier's secure application and medical questionnaire.
This is a summary only. Maximums, waiting periods, restrictions and carrier underwriting rules may apply. The terms of the issued policy documents govern.