Personal health insurance
Your health insurance needs are as unique as you. With a Personal Health Plan that’s customized to meet your needs, you can feel confident knowing you and your family are protected against unexpected medical expenses.
Coverage for every stage of life
Personal Health Plans
Personal Health Plans
Explore flexible health plans designed to fill the gaps in your provincial or workplace benefits and find the coverage that fits you.
Blue Choice®
Built for Everyday Protection
Designed for individuals, couples, and families who want comprehensive, affordable coverage with the flexibility to add optional benefits — so you can have a plan that fits your needs.
Customize with Optional Benefits
Higher coverage limits
Medical questionnaire required
Core Benefits Included
Health & Medical Care
- Ambulance
- Funeral expenses
- Health practitioners
- Hospital accommodations
- Private duty nursing
- Out-of-Province referral services
- Out-of-Saskatchewan emergency services
- Vision care
Medical Devices & Supplies
- Breast prosthesis
- Blood pressure monitors
- Diabetic equipment & supplies
- Hearing aids
- Medical equipment
- Mobility aids
- Orthopaedic shoes & supplies
- Ostomy supplies
- Prosthetic & medical appliances
Wellness Support
- Individual Assistance Program (IAP)
- Virtual care
Accidental Protection
- Accidental death & dismemberment (under age 65)
- Accidental dental
Custom Options Add-Ons
Dental
| Coverage | Dental Service | Maximum | |
|---|---|---|---|
| After 3 Months | 75% | Basic | $750 |
| After 1 Year | 80% 50% |
Basic Major |
$1,000 |
| After 2 Years + | 80% 50% |
Basic Major |
$1,500 |
Hospital Cash
Under age 65: $100 per day up to 50 consecutive days of hospitalization
Age 65 and over: $100 per day up to 30 consecutive days of hospitalization
Benefits begin on:
- 1st day of hospitalization due to an accident
- 4th day of hospitalization due to an illness
- 8th day of hospitalization due to maternity
Prescription Drugs
80% | unlimited
- New prescriptions only
*For prescribed drugs listed in the Saskatchewan Drug Plan Formulary
VIP Travel
Up to 30 consecutive days per trip with no limit on the number of trips
- $5 million in emergency hospital and medical benefits
- $100,000 in air flight and common carrier accident insurance
- Up to $1,000 for trip interruption
- Up to $1,000 for baggage and personal effects
- Up to $1,500 for meals and accommodations
Guaranteed Acceptance
Comprehensive Benefits Built In
Guaranteed Acceptance offers comprehensive coverage — with no medical questionnaire or exams required. This plan provides dependable, built-in protection for everyone, regardless of medical history.
Guaranteed acceptance
Simple, fast coverage with no waiting period
Core Benefits Included
Health & Medical Care
- Ambulance
- Funeral expenses
- Health practitioners
- Hospital cash
- Hospital
- Out-of-province referral services
- Out-of-Saskatchewan emergency services
- Private duty nursing
- Vision care
Medical Devices & Supplies
- Blood pressure monitors
- Breast prosthesis
- Diabetic equipment & supplies
- Hearing aids
- Medical equipment
- Mobility aids
- Orthopaedic shoes & supplies
- Ostomy supplies
- Prosthetic and medical appliances
Wellness Support
- Individual Assistance Program (IAP)
- Virtual care
Dental and Drug Coverage
- Dental
- Prescription drugs
Travel
- VIP Travel
Accidental Protection
- Accidental death & dismemberment (under age 65)
- Accidental dental
Built for a Seamless Transition
Leaving workplace benefits doesn’t have to mean losing your coverage. The Conversion plan offers guaranteed approval with no waiting period, and no medical questionnaire is required. Apply within 90 days of your group plan ending to help you and your family avoid a gap in coverage.
Guaranteed Coverage
Customize with Optional Benefits
No Waiting Period
Core Benefits Included
Health & Medical Care
- Ambulance
- Funeral expenses
- Health practitioners
- Hospital accommodations
- Hospital cash
- Private duty nursing
- Out-of-province referral services
- Out-of-Saskatchewan emergency services
- Vision care
Medical Devices & Supplies
- Blood pressure monitors
- Breast prosthesis
- Diabetic equipment & supplies
- Hearing aids
- Medical equipment
- Mobility aids
- Prosthetic & medical appliances
- Orthopaedic shoes & supplies
- Ostomy supplies
Wellness Support
- Individual Assistance Program (IAP)
- Virtual care
Accidental Protection
- Accidental death & dismemberment (under age 65)
- Accidental dental
Custom Options Add-Ons
Dental
No waiting period
- 80% Basic
- 50% Major
- Combined maximum of $1,500
Prescription Drugs
80% up to $500 or 80% up to $1,500
- Includes previously-prescribed drugs
*For prescribed drugs listed in the Saskatchewan Drug Plan Formulary
VIP Travel
Up to 30 consecutive days per trip with no limit on the number of trips
- $5 million in emergency hospital and medical benefits
- $100,000 in air flight and common carrier accident insurance
- Up to $1,000 for trip interruption
- Up to $1,000 for baggage and personal effects
- Up to $1,500 for meals and accommodations
Blue Choice®
Built for Everyday Protection
Designed for individuals, couples, and families who want comprehensive, affordable coverage with the flexibility to add optional benefits — so you can have a plan that fits your needs.
Customize with Optional Benefits
Higher coverage limits
Medical questionnaire required
Core Benefits Included
Health & Medical Care
- Ambulance
- Funeral expenses
- Health practitioners
- Hospital accommodations
- Out-of-Province referral services
- Out-of-Saskatchewan emergency services
- Private duty nursing
Medical Devices & Supplies
- Breast prosthesis
- Blood pressure monitors
- Diabetic equipment & supplies
- Hearing aids
- Medical equipment
- Mobility aids
- Ostomy supplies
- Orthopaedic shoes & supplies
- Prosthetic & medical appliances
Wellness Support
- Individual Assistance Program (IAP)
- Virtual care
Accidental Protection
- Accidental death & dismemberment (under age 65)
- Accidental dental
Custom Options Add-Ons
Dental
| Coverage | Dental Service | Maximum | |
|---|---|---|---|
| After 3 Months | 75% | Basic | $750 |
| After 1 Year | 80% 50% |
Basic Major |
$1,000 |
| After 2 Years + | 80% 50% |
Basic Major |
$1,500 |
Hospital Cash
Under age 65: $100 per day up to 50 consecutive days of hospitalization
Age 65 and over: $100 per day up to 30 consecutive days of hospitalization
Benefits begin on:
- 1st day of hospitalization due to an accident
- 4th day of hospitalization due to an illness
- 8th day of hospitalization due to maternity
Prescription Drugs
80% | unlimited
- New prescriptions only
*For prescribed drugs listed in the Saskatchewan Drug Plan Formulary
VIP Travel
Up to 30 consecutive days per trip with no limit on the number of trips
- $5 million in emergency hospital and medical benefits
- $100,000 in air flight and common carrier accident insurance
- Up to $1,000 for trip interruption
- Up to $1,000 for baggage and personal effects
- Up to $1,500 for meals and accommodations
Guaranteed Acceptance
Comprehensive Benefits Built In
Guaranteed Acceptance offers comprehensive coverage — with no medical questionnaire or exams required. This plan provides dependable, built-in protection for everyone, regardless of medical history.
Guaranteed acceptance
Simple, fast coverage with no waiting period
Core Benefits Included
Health & Medical Care
- Ambulance
- Funeral expenses
- Health practitioners
- Hospital cash
- Hospital
- Out-of-province referral services
- Out-of-Saskatchewan emergency services
- Private duty nursing
- Vision care
Medical Devices & Supplies
- Breast prosthesis
- Blood pressure monitors
- Diabetic equipment & supplies
- Hearing aids
- Medical equipment
- Mobility aids
- Orthopaedic shoes & supplies
- Ostomy supplies
- Prosthetic and medical appliances
Wellness Support
- Individual Assistance Program (IAP)
- Virtual care
Dental and Drug Coverage
- Dental
- Prescription drugs
Travel
- VIP Travel
Accidental Protection
- Accidental death & dismemberment (under age 65)
- Accidental dental
Retiree
Your retirement, your way.
The Retiree Plan offers flexible coverage designed for individuals aged 50+ who are approaching retirement or leaving group benefits. Getting started is simple: choose from three coverage levels — Basic, Classic, or Enhanced — across each benefit category, with optional add-ons to customize your plan. With up to 36 possible combinations, you can tailor coverage to fit your lifestyle and needs. Apply within 90 days of your group coverage ending.
Fully Flexible & Customizable Coverage
Core Benefits Included
Extended health benefits with VIP Travel
11 core benefits, including virtual care and mental wellness benefits.
Elevated healthcare coverage with 30 benefits, including virtual care and mental wellness benefits.
30 benefits and higher benefit maximums. Includes virtual care and mental wellness benefits.
Prescription drugs
- $1,000 annual maximum
- 70% coverage
Covers drugs listed on the Saskatchewan Blue Cross Formulary
- $2,000 annual maximum
- 75% coverage
Covers drugs listed on the Saskatchewan Blue Cross Formulary
- $3,000 annual maximum
- 80% coverage
- $6 deductible per eligible prescription
Covers drugs listed on the Saskatchewan Blue Cross Formulary
Custom Options Add-Ons
Dental
- Maximum: $750
- Basic: 70%
- Major: Not included
- Maximum: $1,500
- Basic: 75%
- Major: 50%
- Maximum: $2,000
- Basic: 80%
- Major: 50%
Guaranteed Acceptance
Comprehensive Benefits Built In
Guaranteed Acceptance offers comprehensive coverage — with no medical questionnaire or exams required. This plan provides dependable, built-in protection for everyone, regardless of medical history.
Guaranteed Acceptance
Simple, Fast Approval Process
Core Benefits Included
Health & Medical Care
- Ambulance
- Funeral expenses
- Health practitioners
- Hospital
- Hospital cash
- Private duty nursing
- Out-of-province referral services
- Out-of-Saskatchewan emergency services
- Vision care
Medical Devices & Supplies
- Blood pressure monitors
- Breast prosthesis
- Diabetic equipment & supplies
- Hearing aids
- Medical equipment
- Mobility aids
- Orthopaedic shoes & supplies
- Ostomy supplies
- Prosthetic & medical appliances
Wellness Support
- Individual Assistance Program (IAP)
- Virtual care
Dental and Drug Coverage
- Dental
- Prescription drugs
Travel
- VIP Travel
Accidental Protection
- Accidental death & dismemberment (under age 65)
- Accidental dental
VIP Travel
Member Exclusive
Stay protected wherever you go with our member exclusive VIP Travel coverage — with unlimited trips each year, 24/7 travel assistance, and up to $5 million in emergency medical coverage, plus so much more.
Available as an optional add-on for Blue Choice® and Conversion plans and included with Retiree and Guaranteed Acceptance plans.
More Than Just Coverage
Being a member means more than insurance. It means access to additional programs, savings, and support that help you get the most out of your benefits.
24/7 Virtual Care & Mental Wellness Support
Blue Advantage®
Member Referral Rewards
24/7 Virtual Care & Mental Wellness Support
Access virtual care and confidential counselling support through our Individual & Family Assistance Program (IAP) — included in every plan.
Individual Assistance Program (IAP)
Support when you need it most. Gain confidential access to professional mental health and wellness services through Homewood Health — available by phone, online, or in person.
Virtual Care
Healthcare on your schedule. Access non-emergency medical support online through Cleveland Clinic Express Care Online (ECO) and get the care you need — wherever you are.
Blue Advantage®
Exclusive member savings on health, wellness, travel, fitness, and more through Blue Advantage Savings Program.
Members can access discounts from participating providers by presenting their Blue Cross ID card and mentioning the Blue Advantage program. View the full list of providers and savings below.
Member Referral Rewards
Share the benefits — and earn rewards when you refer friends or family to Saskatchewan Blue Cross.
Managing health coverage has never been easier.
Members can manage your group benefits plan using the Saskatchewan Blue Cross Member Portal or Member App. You’ll enjoy convenient claiming, quick reimbursement direct to your bank account, plus access to details including plan maximums, coverage limitations, and plan usage.
Get the SK Blue Cross Member App
The SK Blue Cross Member App supports devices operating on the following operating systems: Apple iOS: Version 15.4 and higher. Android: Version 10 and higher.
Tools
Build your knowledge
Explore topics to help you make decisions about the insurance you need.
Member Support
Resources and tools to help you get started and manage your Saskatchewan Blue Cross plan.
Frequently Asked Questions
How do I download the Personal Member Mobile App from my app store?
Within the app store, search for SK Blue Cross: Personal. Our app logo depicts a blue cross on a white background with the word Personal underneath the cross. Select Install and the app will be downloaded to your device.
How do I know which plan or options are right for me?
Our dedicated team can help you understand and choose the coverage you need, no matter what stage of life you’re in.
Who is considered a dependent?
For Personal members: An applicant’s partner, unmarried child up to 18 years of age (or up to age 25 if a full-time student at an accredited educational institution) or an incapacitated dependent.
For Group plan members: An applicant’s partner, unmarried child up to 21 years of age (or up to age 26 if a full-time student at an accredited educational institution) or any disabled child unable to leave the care of the policyholder.
Who can apply for the Guaranteed Acceptance plan?
The Guaranteed Acceptance Personal Health Plan is available to any resident of Saskatchewan with a valid Saskatchewan Health Care Card. There is no age restriction or timeframe requirement (after leaving another benefits plan) applicable. There is no review of medical history required.
What is the Individual Assistance Program (IAP) or Employee Family Assistance Program (EFAP) and what’s included?
Homewood Health’s IAP and EFAP provide you and your eligible family members with a wide variety of mental health, wellness and personal life supports. Some of the services you have access to as a Saskatchewan Blue Cross plan member include, but are not limited to:
- Counselling services to assist with depression, anxiety, grief/bereavement, and more
- Sentio iCBT, an internet-based Cognitive Behavioral Therapy (iCBT) program designed to provide support for mild to moderate depression, anxiety and other mental health issues
- Life Smart Coaching service for everyday challenges such as financial and family care, smoking cessation, lifestyle changes and nutrition, and more
- A tailored library of online resources
How does the Member Referral Program work?
After joining the program through our platform partner, Referral Rock, you’ll receive a unique referral link. All you need to join the program is your email address – you won’t need to create a password to revisit your member dashboard. Members can share your link with personal contacts, inviting them to apply for a personal health plan. If one of your referrals chooses to purchase a plan, both you and the person you refer will earn a $50 gift card.
You can always access your unique referral link by visiting your Member Dashboard. Login to your personal Member Portal and, scroll to the bottom of the page to find the purple box. Use the ‘Refer Now!’ button to login to your Member Dashboard (this works even if you’ve already created an account).
Ready to join the program? Use the button below to login to your Member Dashboard (this works even if you’ve already created an account).
What is Virtual Care and what is included?
Virtual Care, also referred to as telemedicine, allows patients to receive care from a provider virtually via a video or phone consult without having to visit a clinic in-person. Cleveland Clinic Canada’s Express Care Online allows patients to connect live with a nurse practitioner to get a diagnosis or medical advice for non-emergency health conditions.
A Cleveland Clinic Canada nurse practitioner can diagnose, treat, and prescribe medications for non-emergency conditions like:
- Flu
- Allergies
- Sinus issues
- Cough
- Common cold
- Pink eye
- Anxiety/Depression
- Acute diarrhea, nausea, and vomiting
- Rashes, skin problems, burns, insect bites
After your assessment, if needed, you can receive:
- Lab and imaging requisitions
- Prescriptions sent to your preferred pharmacy
- Referrals to specialists
- Case coordination with Cleveland Clinic Canada
- Case coordination with Homewood Health (with your consent) for mental health and wellness support