Personal Health Insurance
Retirement Insurance

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To qualify, you are:

  • Applying within 60 days of the date on which your group coverage was cancelled
  • Retiring
  • 50+ years of age
  • Leaving a group plan recognized by us with the same benefits for at least six continuous months
  • Actively enrolled in the government health plan of British Columbia or Yukon

Don't match the criteria? We have other Personal Health Insurance options for you.


Build your personalized retirement health plan in 3 easy steps.

Step 1: Health

Your personal health insurance includes Extended Health Coverage that protects you from healthcare expenses not covered by MSP.

Your coverage

  • Vision care
  • Registered therapists and health practitioners
  • Hospital accommodation
  • Medical Services and Supplies
  • Ambulance services
  • Out-of-province, in-Canada travel
  • Accidental dental
  • Accidental death and dismemberment
  • Final expense benefit
  • Survivor benefit

Your options

Choose from Bronze, Silver or Gold Health coverage.

Step 1: Health



Physiotherapists, massage therapists, chiroproactors, chiropodist/podiatrists, naturopaths, acupuncturists, osteopaths $25/visit, 12 visits/yr $400 combined $600 combined
Speech therapists $45/visit, 10 visits/yr $45/visit, 10 visits/yr $45/visit, 10 visits/yr
Mental wellness 1 $65/visit, 10 visits/yr $65/visit, 10 visits/yr $65/visit, 10 visits/yr


Prescription eyewear $150 $250 $300
Eye exam $50 $50 $80

Medical equipment

Year 1 $1,500 $1,500 $2,500
Year 2+ $1,500 $2,500 $5,000
Hearing aid $300/5 yrs $400/5 yrs $600/5 yrs

Hospital accommodation

Hospitalization $125 $200 $250
Day limit 30 days 30 days 30 days
1 Mental wellness services include psychologists, registered counsellors, and online CBT. Eligible expenses related to online CBT are not subject to any per visit maximum.

Virtual Care

Only Pacific Blue Cross Personal Health Insurance gives you 24/7 access to virtual care for referrals to specialists along with prescriptions from our Preferred Pharmacy Network delivered directly to your door.

Step 2: Prescriptions

Our prescription drug coverage makes your life easy with a Pacific Blue Cross Pay Direct Drug Card. If you have a prescription, take your card to a pharmacy and we pay them directly so you only pay your portion.

Your coverage

Each option covers 80% of eligible expenses and aligns with BC PharmaCare formulary pricing or the cost of the lowest priced equivalent drug.

Your Options

Your Health choice from Step 1 influences your Prescription options. For Gold and Silver Health, choose a prescription option.

Step 1 Health Choice:


Step 2: Prescriptions

Dispensing Fee $10* $10* $10*
Year 1 $500 $500 $1,000 $1,000 $1,500
Year 2 $500 $500 $2,000 $2,000 $2,500
Year 3+ $500 $500 $3,000 $3,000 $5,000
*Maximum follows BC PharmaCare

Step 3: Dental

Taking care of your oral health plays an important role in your overall health. All of our dental plans include a direct bill feature, so you only have to pay your portion.

Your coverage

Each option covers 80% of basic services which include regular cleanings and check-ups. Higher coverage is available to cover endodontics (root canals) and major work (bridges, crowns, etc.).

Your options

Boost your personal health plan by adding Bronze, Silver or Gold Dental coverage.

Step 3: Dental (optional)



Basic 80% 80% 80%
Endodontics 80% 80%
Major 60% after Year 1


Year 1 $500 $600 $1,000
Year 2 $500 $800 $1,250
Year 3+ $500 $1,000 $1,500


Recall Package** Every 9 months Every 9 months Twice per year
** Includes exam, polishing and flouride