Sun Life - Personal Health Insurance - Basic

Covers trips to hospital in a licensed ambulance in your home province/territory of residence. Covers charges up to the amount between what your government health insurance plan covers and what is reasonable and customary.

Unlimited ground and air transport

Reimbursement (for ongoing maintenance services: fillings, cleanings, scalings, examinations, polishings, and select extractions) per year

• 60%

Anniversary year maximum for basic dental services

• $500

Recall visits

• 9 months

Oral surgery, periodontics, endodontics (root canal)

• Not covered

Major restorative (orthodontics, crowns, bridges, dentures)

• Not covered

Waiting period

• 3-month waiting period before coverage begins

Coverages are designed to coincide with the current provincial Dental Association Fee Guide for General Practitioners.

Covers the costs to purchase and/or repair up to the allowed maximum.

• $400 per 5 benefit years

$2,500 annual maximum and a $20,000 lifetime maximum combined with medical equipment and services

Medical equipment and services have a $2,500 annual maximum and a $20,000 lifetime maximum combined with in-home nursing and home care

Orthopedic shoes

• $150 annual maximum

Blood glucose monitor

• $150 every 5 years

Continuous glucose monitors

• Reasonable and customary services and charges

Medically necessary wigs and hair pieces

• $100 annual maximum

Wheelchairs, walkers and traction kits

• $1,000 lifetime maximum

Hospital bed, oxygen

• Reasonable and customary services and charges

Casts, splints

• Reasonable and customary services and charges

Prosthetic appliances (e.g. artificial limbs)

• Reasonable and customary services and charges

• Chiropractors, including 1 x-ray examination per calendar year
• Registered massage therapists
• Naturopaths and acupuncturists
• Osteopaths, including 1 x-ray examination per calendar year
• Physiotherapists
• Podiatrists or chiropodists, including 1 x-ray examination per calendar year
• Speech language pathologists
• Psychologists and social workers
• 60% reimbursement
• $25 maximum per visit
• Up to $250 per year, per type of practitioner
• Psychologist/social worker: up to $35 per visit, up to $500 per year

Generic drugs vs. brand-name drugs

• Generic

Shared Dispensing Fee (subject to applicable co-payment)

• $5.00 maximum

Exclusions

• Oral contraceptives

Reimbursement of eligible prescription costs per year

• 60%

Anniversary year maximums per person

• $750

Lumino Health

[https://luminohealth.sunlife.ca/](http://Lumino Health https://luminohealth.sunlife.ca/)

‍