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.
Step 1: Health
|Payable at 80% within Preferred Pharmacy Network*, or 70% at other pharmacies|
|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|
|Prescription eyewear||$150 / 2 years||Years 1-2: $150 / 2 years
Years 3+: $250 / 2 years
Medical Equipment and Supplies
|3-month wait period|
|Year 1-4||$300 / 4 years||$300 / 4 years|
|Year 5+||$400 / 4 years||$400 / 4 years|
|Hospitalization||Private or Semi-Private||Private or Semi-Private|
|Day Limit||Max 60 days||Max 60 days|
Health & Wellness
|New Parent Boost|
|* A dental option must be chosen with either Silver or Gold Health Options|
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.
Step 2: Dental
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|