Personal Health Insurance
Guaranteed Acceptance

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Guaranteed Acceptance

Put your health first with Guaranteed Acceptance

British Columbians are diverse and so is our health. That’s why our Guaranteed Acceptance plan covers everybody — no matter who you are or how your health is — and no medical questionnaires are required.

With a Guaranteed Acceptance plan you’ll have coverage for day-to-day health expenses and potential large out-of-pocket costs resulting from a serious illness or accident. Your plan even covers eligible ongoing costs, such as prescription drugs or physiotherapy treatment, associated with health conditions you are currently managing.

Our flexible coverage allows you to build a plan that fits your needs and your budget. Plus, you can update it once a year if anything changes.

Build your Guaranteed Acceptance plan in two easy steps.

Step 1: Select your Health coverage

Choose one of the following four tiers of coverage: Essential, Bronze, Silver, Gold

Benefit coverage levels increase by tier, and annual limits increase at policy renewal for the first three years the plan is active. All tiers cover 80% of eligible expenses after the deductible is satisfied.

Your options

Step 1: Health

ESSENTIAL BRONZE SILVER* GOLD*
Lifetime Maximum $250,000 $250,000 $375,000 $500,000

Prescription Drugs

Payable at 80% within Preferred Pharmacy Network*, or 70% at other pharmacies
Dispensing fee $5 $5 $5 $5
Yearly limit $350 $350 $500 $750
Birth Control
Vaccinations

Professional Services

Practitioner Services $500 combined limit / yr, $30 / visit $400 per pract / yr, $30 / visit $500 per pract / yr, $30 / visit
Mental Wellness Services $250 combined limit / yr $500 combined limit / yr $500 combined limit / yr $750 combined limit / yr

Vision

Prescription eyewear $150 / 2 years Years 1-2: $150 / 2 years
Years 3+: $250 / 2 years
Eye exam $50 $50

Medical Equipment and Supplies

Year 1-2 $1,200 $1,200 $1,200 $1,200
Year 3-4 $2,500 $2,500 $2,500 $2,500
Year 5+ $5,000 $5,000 $5,000 $5,000

Hearing Aids

3-month wait period
Year 1-4 $300 / 4 years $300 / 4 years
Year 5+ $400 / 4 years $400 / 4 years

Hospital Accommodation

Hospitalization Private or Semi-Private Private or Semi-Private
Day Limit Max 60 days Max 60 days

Health & Wellness

Virtual Care
New Parent Boost
Health Connected
Second Opinion
* A dental option must be chosen with either Silver or Gold Health Options

Virtual Care

Only Pacific Blue Cross Personal Health Insurance gives you 24/7 access to on-demand doctors and a care manager for referrals to specialists along with prescriptions from our Preferred Pharmacy Network delivered directly to your door.

Step 2: Select your Dental coverage

All options cover basic services (i.e. cleanings, annual exams). Select Gold for maximum coverage of endodontics (root canals) and major work, such as bridges and crowns.

Coverage levels increase by tier, and annual limits for Silver and Gold increase at policy renewal for the first three years the plan is active.

A Dental option must be chosen with the Silver or Gold Health tier. Dental coverage is optional for Essential and Bronze tiers.

Your options

Step 2: Dental

BRONZE SILVER GOLD

Dental - Basic

Year 1 70% / $300 70% / $300 80% / $450*
Year 2 70% / $300 80% / $400 80% / $575*
Year 3+ 70% / $300 80% / $500 80% / $700*

Dental - Major

Year 1 50% / $450*
Year 2 50% / $575*
Year 3+ 50% / $700*
* combined Basic and Major yearly limit