Guaranteed Acceptance Health Plans

Health and dental insurance for those who may not qualify medically for another plan.
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What is a guaranteed acceptance plan?

A guaranteed acceptance health and dental insurance plan is a preferred option for those who may not otherwise qualify medically for a healthcare plan.

The term 'guaranteed acceptance' refers to the fact that no medical questionnaire is required, and the insurance company will issue your coverage on a guaranteed basis - regardless of your health history and when you are applying.

As with any health insurance plan, it is designed to help offset the cost of health and dental expenses that your provincial government health care plan doesn't pay for.

Guaranteed acceptance plans tend to offer the lowest value compared other plan types (i.e. lowest benefits per dollar), however they are a good solution for those who have 'pre-existing conditions' that would otherwise prevent them from obtaining coverage.

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This type of plan is an ideal fit for:

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Individuals and families who have medical history that may preclude them from qualifying for a Medically Underwritten plan. Or, would result in too many exclusions.

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Individuals and families who have medical history and 'pre-existing conditions' that they want to ensure are covered.

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Individuals and families who are not covered by an employee group benefits plan and are outside the 60-90 day window to transition seamlessly to a Guaranteed Issue plan.

What does health insurance cover?

Health insurance plans cover a combination of routine expenses (i.e. planned predictable expenses), and unplanned expenses. Every plan will vary with regard to dollar amounts for these benefits.

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  • Prescription drugs
  • Dental visits
  • Paramedical services
  • Vision care
  • Ambulance (air / ground)
  • Hospital accomodation
  • Emergency travel medical
  • Medical equipment

How much does health insurance cost?

There are a number of factors that can affect plan pricing, including:

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Generally, insurance cost less for younger age groups, and more for older age groups.

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Single, couple or family

Plan cost will vary depending on the number of people covered.

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Province of residence

Plan cost can vary from one province/territory to the next.

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Plan selection

Plans that include more benefits and higher coverage amounts come at a higher cost.

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Other types of health care plans

There are two other types of health insurance plans; Medically Underwritten, and Guaranteed Issue. The appropriate plan for you depends on your circumstances. An advisor can assist in determining the appropriate plan for you.

Medically Underwritten

  • Medical questionnaire required
  • Lower relative cost
  • Most benefits per dollar
  • Excludes pre-existing conditions
See Medically Underwritten

Guaranteed Issue

  • No medical questionnaire
  • Higher relative cost
  • Moderate benefits per dollar
  • Covers pre-existing conditions
See Guaranteed Issue

What's your current situation?

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