The information provided by this chat bot may not be always accurate as the current state of Large Language Models (LLMs) cannot guarantee 100% accuracy.
This is provided as a value add service by Aeva. If you have any questions, it is recommended to contact Aeva directly or a health insurance representative.
Sun Life Assistant
Chat with an assistant familiar with the Sun Life Health Benefit plans.
Provided courtesy of Aeva - Canada's Health Insurance Marketplace.
Frequently asked questions
- What is Personal Health Insurance from Sun Life?
Personal Health Insurance from Sun Life covers you and your family for routine and unexpected medical costs that government health and drug plans don’t cover. This includes prescription drugs, chiropractor and physiotherapist visits, and dental checkups. It is ideal for individuals aged 18 to 69 who are Canadian residents and is renewable for age 70 and over.
- Who is eligible for Sun Life’s Personal Health Insurance?
To be eligible for Personal Health Insurance, you and each person included on the application must be age 69 or younger as of the application date and a resident of Canada covered under provincial or territorial health insurance. The plan is renewable for age 70 and over.
- What plans are available under Sun Life’s Personal Health Insurance?
Sun Life offers three plans under Personal Health Insurance: Basic, Standard, and Enhanced. The Basic plan covers basic medical and dental expenses, the Standard plan includes additional coverage for prescription drugs, dental, emergency travel medical, extended health and vision care, and the Enhanced plan offers the most extensive coverage including high annual coverage maximums, preventive, restorative and orthodontics dental care.
- What is the Health Coverage Choice plan from Sun Life?
The Health Coverage Choice plan is a guaranteed issue plan from Sun Life where you can get approved regardless of preexisting medical conditions. It replaces your workplace or retiree group plan medical and dental coverage.
- Who is eligible for Health Coverage Choice?
To be eligible for Health Coverage Choice, you must be a Canadian resident aged 18 to 74 and have been enrolled in a workplace or retiree group benefits plan within the past 60 days. Your spouse and dependent children meeting certain conditions are also eligible.
- What are the main exclusions of Sun Life’s Personal Health Insurance?
Personal Health Insurance does not cover expenses that are not legally allowed, cosmetic services, experimental items, self-prescribed products, items rendered by family members, expenses covered under government plans, non-Health Canada approved services, elective non-emergency medical treatments out of the province, and any additional exclusions listed in the policy.
- When will my coverage begin with Sun Life plans?
For Personal Health Insurance, you can choose a start date up to 60 days in advance when submitting your application. If no date is chosen, coverage begins the day after the application is approved. For Health Coverage Choice, coverage starts the day after your workplace or retiree group coverage ends.
- How do I submit a claim with Sun Life?
You can submit a claim through the my Sun Life Mobile app, online at mysunlife.ca, or using a paper claim form included in your Welcome Package. For the mobile app and online submissions, sign in, navigate to the Benefits section, and follow the instructions. Paper claims should be mailed with original receipts to the address on the form.
- Will my premiums for Sun Life plans change over time?
Yes, premiums vary based on age and coverage by provincial and territorial health plans. Premiums also change due to factors such as claims experience, policy duration, and company expenses. Sun Life will provide at least 30 days written notice before making changes to premiums.
- What is the 10-day free look period with Sun Life?
The 10-day free look period allows you to review your new policy and decide if it meets your needs. If it doesn’t, you can cancel within 10 days of receiving it and receive a refund with no obligation.