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
|
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 |
| Vaccinations | ||||
Professional Services |
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| Practitioner Services | $500 combined limit / yr, $30 / visit | $400 per pract / yr, $30 / visit | $500 per pract / yr, $30 / visit | |
| Mental Wellness Services 1 | $250 combined limit / yr | $500 combined limit / yr | $500 combined limit / yr | $750 combined limit / yr |
Vision |
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| Prescription eyewear | $150 / 2 years | Years 1-2: $150 / 2 years Years 3+: $250 / 2 years |
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| Eye exam | $50 | $50 | ||
Medical Equipment and Supplies |
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| 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 |
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| Hospitalization | Private or Semi-Private | Private or Semi-Private | ||
| Day Limit | Max 60 days | Max 60 days | ||
Health & Wellness |
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| Virtual Care | ||||
| New Parent Boost | ||||
| Health Connected | ||||
| Second Opinion | ||||
| * A dental option must be chosen with either Silver or Gold Health Options 1 Mental wellness services include psychologists, registered counsellors, and online CBT |
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Step 1: Health
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
|
BRONZE | SILVER | GOLD |
|---|---|---|---|
Dental - Basic |
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| 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 |
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| Year 1 | 50% / $450* | ||
| Year 2 | 50% / $575* | ||
| Year 3+ | 50% / $700* | ||
| * combined Basic and Major yearly limit | |||
Step 2: Dental