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- Sun Life Health Coverage Choice is ideal for retirees or those who are leaving their existing group plan
- This plan requires no medical exam and has a maximum coverage limit of $300,000
- It is available in different options: Health and Dental Choice A, Health Choice B, and Health Choice C. Depending on the option you choose, the coverage for prescription drugs, vision care, dental care, emergency medical care, and other health care services will vary
Health care needs don’t end when employer benefits do. Sun Life Health Coverage Choice is designed for those leaving their group benefits plan who want to replace their group benefits quickly without the need for a medical exam.
From prescription drugs and paramedical services to dental care and hospital benefits, the HCC plan provides comprehensive coverage. Its maximum coverage limit is $300,000.
Read further to know more about Sun Life Health Coverage Choice, what it covers, who qualifies, and how each option differs.
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Key features of Sun Life Health Coverage Choice
- Flexible plan options: Choose from three levels: Health & Dental Choice A, B, or C, based on your coverage needs and budget
- Individual and family coverage: Available for single applicants, couples, and families
- Core health benefits: All plans include coverage for prescription drugs, paramedical services (such as physiotherapy and chiropractic care), vision care, and other extended health expenses
- Dental coverage: Covers routine services like exams, fillings, scaling, extractions, and minor emergency treatments
- No medical exam: You can apply without undergoing a medical test, making it easier to get coverage
- Access to Lumino Health: Find and book appointments with healthcare providers like dentists and chiropractors through Sun Life’s Lumino Health network
- Renewable option: Coverage can be renewed beyond age 75, helping you maintain protection as you get older
Eligibility requirements for Sun Life Health Coverage Choice
To qualify for the Sun Life Health Coverage Choice (HCC) plan, you must meet the following requirements:
- Be a Canadian resident
- Have coverage under a provincial health insurance plan
- Have had group benefits coverage within the 60 days before applying
- Be between 18 and 74 years old at the time of application
Sun Life Health Coverage Choice plan details
Take a glance at the coverage offered with Sun Life Health Coverage Choice’s three plan options: Health and dental choice A, Health choice B, and Health choice C.
| Features | Health and dental choice A | Health choice B | Health choice C |
| Eligible expense limits | $250,000 excluding dental | $250,000, excluding dental and emergency travel medical | $300,000, excluding dental and emergency travel medical |
| Prescription drugs | • 80% reimbursement • $500 annual maximum • Up to $5 toward the dispensing fee on prescriptions |
• 80% reimbursement • $1,300 annual maximum • Full coverage of reasonable and customary dispensing fees, up to the plan’s reimbursement |
• 80% reimbursement • $2,600 annual maximum • Full coverage of reasonable and customary dispensing fees up to the plan reimbursement |
| Supplemental health care |
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| Vision coverage |
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| Semi-private hospital room |
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| Emergency travel medical |
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Pros and cons of Sun Life Health Coverage Choice
| Pros | Cons |
| Coverage stays with you even if you change jobs or lose employer benefits, provided you renew it every year | Lifetime maximums apply |
| No medical test required | Its coverage limit is lower than that of Personal Health Insurance (PHI) |
| Emergency travel medical is included under options B and C | Non-convertible |
| Renewable for those aged 75 and over | |
| Three options are available, offering you flexibility |
How Sun Life Health Coverage Choice compares with Sun Life Personal Health Insurance
The section below highlights the differences between Sun Life Personal Health Insurance and Health Coverage Choice:
| Features | Personal Health Insurance (PHI) | Health Coverage Choice (HCC) |
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| Coverage options |
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| Issue age | 69 or younger | 74 or younger |
| Renewable | Yes, renewable for those aged 70 and over | Yes, renewable for those aged 75 and over |
| Emergency travel benefit | Available on the Standard and Enhanced plans | Available with HCC B and HCC C |
| Medical evidence | Required | Not required |
Who should buy Sun Life Health Coverage Choice
The Sun Life Health Coverage Choice is an ideal choice for:
- Retirees or those nearing retirement
- Those starting their own business
- Individuals leaving their spouse’s or parents’ plan
- Those who lack comprehensive employer coverage
Frequently asked questions
What does Sun Life Health Coverage Choice cover?
Sun Life Health Coverage Choice provides coverage for prescription drugs, dental care, paramedical services, vision care, and hospital benefits, depending on the option you have selected.
What are the eligibility requirements for Sun Life Health Coverage Choice?
The options available with the Sun Life HCC plan:
- Health and Dental Choice A
- Health Choice B
- Health Choice C
What is the eligibility for Sun Life HCC plan?
To be eligible for Sun Life Health Coverage Choice, you must be ages 18 to 74, be covered under a group plan within 60 days before the application date, and be covered under provincial health insurance.
Is vision care covered under Sun Life Health Coverage Choice?
All three plan options, Health and dental choice A, Health choice B, and Health choice C, provides 100% reimbursement every 2 years. The maximum coverage limit depends on the option you choose.
Is emergency medical travel covered under Sun Life Health Coverage Choice?
Emergency medical travel is covered only under Health choice B and Health choice C. The reimbursement is 100%, with a $1 million lifetime maximum.
Sun Life Health Coverage Choice is ideal for those who are leaving their group plan and want a comprehensive health plan without a medical exam. This plan provides coverage for prescription drugs, dental care, and paramedical services and is available in three options: Health and Dental Choice A, Health Choice B, and Health Choice C.
