Compare personal health insurance plans

Find the key differences between plans to help you decide which health coverage is right for you.

Core Health Benefits Icon/UI/plus-circle

Blue Choice®

Conversion

Guaranteed Acceptance

Which plan is right for you?

Blue Choice®

  • Blue Choice® is designed with customization in mind. This plan is perfect for individuals, couples and families alike.
  • Your application for this plan requires you to submit a health questionnaire. Your answers to the questionnaire will help us determine the specifics of your health coverage.

Conversion

  • The Conversion plan is perfect for those leaving an employer benefits plan. This plan provides the opportunity to convert your health benefits plan and offers guaranteed coverage with no interruptions.
  • To be eligible for the Conversion plan, you must apply within 60 days of your current coverage end date.
  • This plan does not require a health questionnaire, so your benefits won’t be affected by any pre-existing health conditions.

Guaranteed Acceptance

  • The Guaranteed Acceptance plan is our most comprehensive benefits package, including Core Health benefits, Prescription Drugs, Dental, and VIP Travel.
  • No medical questionnaire is required – your coverage under this plan is not affected by your medical history.

Accidental death & dismemberment (under age 65)

Blue Choice®

Up to $25,000 for policyholder and/or spouse; $5000 for each dependent child

Conversion

Up to $25,000 for policyholder and/or spouse; $5000 for each dependent child

Guaranteed Acceptance

Up to $25,000 for policyholder and/or spouse; $5000 for each dependent child

Accidental dental

Blue Choice®

Unlimited coverage for accidental damage to natural teeth

 

Conversion

Unlimited coverage for accidental damage to natural teeth

Guaranteed Acceptance

Unlimited coverage for accidental damage to natural teeth

Ambulance

Blue Choice®

Unlimited emergency trips to hospital

*50% to transport the insured to their home residence or another hospital when ordered by a physician following emergency hospital treatment. 50% for ambulance services that do not result in transport to a hospital.

Conversion

Unlimited emergency trips to hospital

*50% to transport the insured to their home residence or another hospital when ordered by a physician following emergency hospital treatment. 50% for ambulance services that do not result in transport to a hospital.

Guaranteed Acceptance

Unlimited emergency trips to hospital

*50% to transport the insured to their home residence or another hospital when ordered by a physician following emergency hospital treatment. 50% for ambulance services that do not result in transport to a hospital.

Blood pressure monitors

Blue Choice®

One in a 5-year period

Conversion

One in a 5-year period

Guaranteed Acceptance

One in a 5-year period

Breast prosthesis

Blue Choice®

Unlimited, one in a 24-month period

 

Conversion

Unlimited, one in a 24-month period

Guaranteed Acceptance

Unlimited, one in a 24-month period

Diabetic supplies & equipment

Blue Choice®

  • Supplies: Unlimited coverage
  • Equipment: 80% to $500

 

Conversion

Up to $500 combined

Guaranteed Acceptance

Up to $500 combined

Funeral expenses (age 65 and over)

Blue Choice®

Up to $4000 when death is accidental

Conversion

Up to $4000 when death is accidental

Guaranteed Acceptance

Up to $4000 when death is accidental

Health practitioners

Blue Choice®

Up to $400 per specialty for chiropractor, chiropodist/podiatrist, physiotherapist/athletic therapist, registered massage therapist, psychologist/counsellor/social worker, naturopath, speech language pathologist and acupuncturist

 

Conversion

Up to $300 per specialty for chiropractor, chiropodist/podiatrist, physiotherapist/athletic therapist, registered massage therapist, psychologist/counsellor/social worker, naturopath, speech language pathologist and acupuncturist

Guaranteed Acceptance

Up to $300 per specialty for chiropractor, chiropodist/podiatrist, physiotherapist/athletic therapist, registered massage therapist, psychologist/counsellor/social worker, naturopath, speech language pathologist and acupuncturist

Hearing aids

Blue Choice®

  • Up to $800 in a 5-year period
  • Up to $800 in a 3-year period for each dependent child
  • 12-month waiting period

 

 

Conversion

  • Up to $800 in a 5-year period
  • Up to $800 in a 3-year period for each dependent child
  • No waiting period

Guaranteed Acceptance

  • Up to $800 in a 5-year period
  • Up to $800 in a 3-year period for each dependent child
  • No waiting period

Hospital

Blue Choice®

  • Preferred accommodations
  • In hospital drugs
  • Maximum 30 days

Conversion

  • Preferred accommodations
  • In hospital drugs
  • Maximum 30 days

Guaranteed Acceptance

  • Preferred accommodations
  • In hospital drugs
  • Maximum 30 days

Hospital cash

Blue Choice®

Hospital cash is available as an optional benefit add-on.

Conversion

*Effective June 1, 2023, Hospital Cash will become a Core Health Benefit for all Conversion Policyholders.

  • 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

Guaranteed Acceptance

  • 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

Medical equipment

Blue Choice®

  • Purchase or rental of a wheelchair and/or hospital bed to a lifetime maximum of $500
  • Purchase or rental of a patient walker to a lifetime maximum of $300
  • Purchase or rental of oxygen equipment to a maximum of $500 per Policy year
  • Combined lifetime maximum is $1500

 

Conversion

  • Purchase of a wheelchair and/or hospital bed: 80% of purchase cost or 100% of rental cost to a lifetime maximum of $500
  • Purchase of a walker: 80% of the purchase cost or 100% of the rental cost to a lifetime maximum of $300
  • Purchase or rental of oxygen equipment to a maximum of $500 per Policy year
  • Combined lifetime maximum is $1500

Guaranteed Acceptance

  • Purchase of a wheelchair and/or hospital bed: 80% of purchase cost or 100% of rental cost to a lifetime maximum of $500
  • Purchase of a walker: 80% of the purchase cost or 100% of the rental cost to a lifetime maximum of $300
  • Purchase or rental of oxygen equipment to a maximum of $500 per Policy year
  • Combined lifetime maximum is $1500

Mobility aids

Blue Choice®

Unlimited

Conversion

Unlimited

Guaranteed Acceptance

Unlimited

Orthopaedic shoes & supplies

Blue Choice®

80% to $200

Conversion

80% to $200

Guaranteed Acceptance

80% to $200

Ostomy supplies

Blue Choice®

Unlimited

 

Conversion

Up to $500

Guaranteed Acceptance

Up to $500

Out-of-province referral services

Blue Choice®

Lifetime maximum of $50,000 for pre-approved medical services

Conversion

Lifetime maximum of $50,000 for pre-approved medical services

Guaranteed Acceptance

Lifetime maximum of $50,000 for pre-approved medical services

Out-of-Saskatchewan (within Canada) emergency services

Blue Choice®

Unlimited

Conversion

Unlimited

Guaranteed Acceptance

Unlimited

Private duty nursing

Blue Choice®

80% up to $5000

Conversion

80% up to $2500

Guaranteed Acceptance

80% up to $2500

Prosthetic & medical appliances

Blue Choice®

Artificial eyes, limbs, crutches, casts, braces, wigs, etc.

Conversion

Artificial eyes, limbs, crutches, casts, braces, wigs, etc.

Guaranteed Acceptance

Artificial eyes, limbs, crutches, casts, braces, wigs, etc.

Vision care

Blue Choice®

  • Up to $100 for one eye examination in a 24-month period
  • Up to $150 for prescription eyewear or laser eye surgery in a 24-month period

Conversion

  • Up to $75 for one eye examination in a 24-month period
  • Up to $100 for prescription eyewear in a 24-month period

Guaranteed Acceptance

  • Up to $75 for one eye examination in a 24-month period
  • Up to $100 for prescription eyewear in a 24-month period
Optional Health benefits Icon/UI/plus-circle

Blue Choice®

Conversion

Guaranteed Acceptance

Dental

Blue Choice®

  • Basic Dental Services include procedures such as: examinations, x-rays, tests, cleaning, filling, root canals, oral surgery, denture repairs, etc.
  • Major Dental Services include inlays, onlays, crowns, dentures, bridges, some orthodontic services

After 3 months

  • Basic dental services: 75% to a maximum of $750

After 1 year

  • Basic dental services: 80% coverage
  • Major dental services: 50% coverage
  • Combined maximum of $1,000

After 2+ years

  • Basic dental services: 80% coverage
  • Major dental services: 50% coverage
  • Combined maximum of $1,500

Conversion

  • Basic Dental Services include procedures such as: examinations, x-rays, tests, cleaning, filling, root canals, oral surgery, denture repairs, etc.
  • Major Dental Services include inlays, onlays, crowns, dentures, bridges, some orthodontic services

After 3 months

  • Basic dental services: 80% coverage
  • Major dental services: 50% coverage
  • Combined maximum of $1,500

Guaranteed Acceptance

Dental benefits are included in core benefits under the Guaranteed Acceptance plan.

  • Receive the highest level of dental coverage upon your plan’s activation
  • Basic Dental Services include procedures such as: examinations, x-rays, tests, cleaning, filling, root canals, oral surgery, denture repairs, etc.
  • Major Dental Services include inlays, onlays, crowns, dentures, bridges, some orthodontic services

When coverage begins:

  • Basic dental services: 80% coverage
  • Major dental services: 50% coverage
  • Combined maximum of $1,500

Dental waiting period

Blue Choice®

3-month waiting period

Conversion

The 3-month waiting period will be waived provided the Insured had dental benefits under the previous employer benefits plan for 3 continuous months at the time of cancellation. If the waiting period is waived, coverage will continue uninterrupted based on the number of years dental benefits were held under the previous employer benefits plan.

Guaranteed Acceptance

No waiting period

Hospital cash

Blue Choice®

  • 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

Conversion

*Effective June 1, 2023, Hospital Cash will become a Core Health Benefit for all Conversion Policyholders.

  • 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

Guaranteed Acceptance

Hospital Cash is included in core benefits under the Guaranteed Acceptance plan.

Prescription drugs

Blue Choice®

  • 80% unlimited
  • Pay Direct Card

*For prescribed drugs listed in the Saskatchewan Prescription Drug Plan Formulary

Conversion

  • 80% to $500 OR
  • 80% to $1500

*For prescribed drugs listed in the Saskatchewan Prescription Drug Plan Formulary

Guaranteed Acceptance

Prescription Drugs are included in core benefits under the Guaranteed Acceptance plan.

  • 80% to $1500 for prescribed drugs listed in the Saskatchewan Prescription Drug Plan Formulary

VIP travel

Blue Choice®

  • 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 $1000 for trip interruption
  • Up to $1000 for baggage and personal effects
  • Up to $1500 for meals and accommodations

Conversion

  • 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 $1000 for trip interruption
  • Up to $1000 for baggage and personal effects
  • Up to $1500 for meals and accommodations

Guaranteed Acceptance

VIP Travel is included in core benefits under the Guaranteed Acceptance plan.

  • 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 $1000 for trip interruption
  • Up to $1000 for baggage and personal effects
  • Up to $1500 for meals and accommodations

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