Supplemental health insurance can be expensive, but can cover Canadians for health emergencies and costs not otherwise covered by government plans. Sun Life health insurance offers 4 types of health insurance products that can give you peace of mind at all life stages. These include personal health insurance, critical illness insurance, long term care insurance, and disability insurance.
While provincial health insurance plans cover the majority of health-related costs, they don't cover all the bases. In particular, dental and prescription coverage are not included, and these costs can add up over the years. And should you suffer a critical illness or accident, the costs to you can skyrocket out of control. Sun Life offers an array of health insurance packages that you can customize to fit your needs, and those of your family.
Sun Life health insurance features
Why You Want It
Get help from a virtual advisor + Choose from 3 personal health plans.
Eligibility
- Canadian citizen
- Age of majority
Provinces
ALL
Features
Allows Customization?
Dental
Vision
Paramedical
Prescription
Travel Coverage
Hospital Room Coverage
Accidental Death And Dismemberment
Short-term Disability
Long-term Disability
Sun Life health insurance product rating: 4.4 stars
Not only does Sun Life have an array of health insurance packages that cover everything from dental through critical illness and disability, you can request a quote online, or find a local advisor who can help you determine what options are best for you. If you're retiring, self-employed, or transitioning from a group health plan, Sun Life health insurance is worth looking into, as they offer comprehensive supplemental coverage for people across the country.
Rating methodology
To calculate our Genius Ratings, we compare the features of the account or product in question with other similar products in Canada. We give each feature a score out of 5 based on that comparison. Once we’ve rated all the features, we run them through our proprietary algorithm to produce a final rating out of 5.
Learn more about our rating methodology.
The pros of Sun Life health insurance
So what are some reasons you'd go to Sun Life for your health insurance needs?
Pros
Offers most of the main health insurance coverages you'd expect
As you can see from the table above, Sun Life health insurance hits most of the main health insurance coverage options. The more coverage you can get under one quote, the better.
Virtual advisors available to help you decide
If you want a personalized plan that you create with the help of a professional insurance advisor, Sun Life can set you up with an advisor near you to get started. And of course, you can connect with these advisors by phone or over Zoom instead of making an in-person visit.
3 different plans available for personal health insurance
Sun Life's personal health insurance has 3 levels of plans available: Basic, Standard, and Enhanced. This gives you a bit of customization right out of the gate, letting you choose if you just need the basics or want absolutely everything you can get your hands on. Of course, the price of each plan will vary.
Get a quote online
Since insurance quotes are dependent on a lot of different factors, we can't tell you how much Sun Life health insurance will cost you. The good news is you can easily get your online quote in just a few minutes by visiting their website, which will be tailored to your situation.
Critical illness, long term care, and disability insurance plans available
On top of the more basic personal health insurance plans, you can also get more specialized plans from Sun Life. These include critical illness, which is for costs of living with a life-changing illness. You can also get long term care insurance, which can help those who need a lot of assistance in their daily lives. Finally, disability insurance can help those who are unable to work due to a disability.
The cons of Sun Life health insurance
Here are a few things to keep in mind when deciding whether or not Sun Life health insurance is right for you.
Cons
Vision care not available for Basic personal plan
If you choose to go with the cheapest plan, the major thing you'll lose out on is vision coverage – which can get pretty expensive.
Accidental death and dismemberment only available with life insurance
We could not find any mention of accidental death and dismemberment coverage, except in the context of Sun Life life insurance.
Sun Life health insurance alternatives
Here's how Sun Life health insurance compares against other health insurance companies in Canada.
 |  |  |  | |
|---|---|---|---|---|
| Account | Sun Life Health Insurance | PolicyMe Dental And Health Insurance | Blue Cross Health Insurance | Canada Life Health Insurance |
| Genius Rating | ||||
| Why You Want It | Get help from a virtual advisor + Choose from 3 personal health plans. | Extensive selection of health and dental plans. | Get comprehensive health care coverage + Recognized insurance provider. | Up to $250,000 in prescription drug coverage + No termination age. |
| Allows Customization? | |  | | |
| Dental | | | | |
| Vision | | | | |
| Paramedical | | | | |
| Prescription | | | | |
Show More | ||||
| Get a quote See more Sun Life products Compare | Get a quote See more PolicyMe products Compare | Learn More See more Blue Cross products Compare | Learn More See more Canada Life products Compare |
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FAQ
Does Sun Life have health insurance?
Yes, Sun Life offers health insurance in Canada. There are 4 main types of health insurance offered by Sun Life: personal, critical illness, long term care, and disability. You can learn more here.
What does Sun Life health insurance cover?
This depends on your plan. If you opt for the cheapest available, which would be the Basic personal health insurance, you'll get coverage for prescription drugs, dental care, health care, and paramedical expenses. You can easily get a quote online to see everything available for your specific needs.
How much does Sun Life cover for dental insurance?
Sun Life health insurance coverage for dental care ranges from 60% with a $500 annual maximum, to 80% with a $750 maximum. Only the most expensive of the 3 personal plans has any coverage for major restorative care or orthodontic services.
How do I claim my Sun Life insurance?
With Sun Life insurance, you can make a claim directly on their website. You can also contact your advisor directly, or call customer service at 1-866-292-2517. That line is open from Monday to Friday between 8 AM and 8 PM Eastern time.
Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity. For complete and updated product information please visit the product issuer's website.
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