Personal health insurance helps you pay for everyday health care expenses that are not covered under OHIP. Similar to the benefits that you would receive if you had an employer group benefits plan, a personal health insurance plan can cover health care services, dental care, vision care, prescription drugs, income replacement and travel insurance.
Basic Blue Choice | Basic Plus+ | Blue Choice Balance | Blue Choice | |||||||||
Who can apply | Anyone aged 16-74 | Anyone aged 16+ | Anyone aged 16+ | Anyone aged 16+ | ||||||||
Money back guarantee | 30 days | 10 days | 10 days | 30 days | ||||||||
Plan type | Package of benefits | Package of benefits | Package of benefits | Choose only the benefits you need | ||||||||
Ambulance | ![]() |
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Ambulance | 80% | 80% | 80% | 80% | ||||||||
Nursing care | ![]() |
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Nursing care |
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Up to $2,500/calendar year | Up to $2,500/calendar year | Up to $2,500/calendar year | ||||||||
Paramedical coverage | ![]() |
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Paramedical coverage | 'Per visit' maximum applies, regardless of practioner fee's | |||||||||||
Initial visit | Per visit | Max. number of visits | Initial visit | Per visit | Max. number of visits | Initial visit | Per visit | Max. number of visits | Initial visit | Per visit | Max. number of visits | |
Psychologist | $80 | $65 | 12 | $80 | $65 | 12 | $80 | $65 | 20 | $80 | $65 | 20 |
Speech therapist | $65 | $45 | 12 | $65 | $45 | 12 | $65 | $45 | 12 | $65 | $45 | 12 |
Massage therapist | $15 | $15 | 25 | $15 | $15 | 20 | $20 | $20 | 20 | $25 | $25 | 25 |
Chiropodist, naturopath, physiotherapist, osteopath, podiatrist, chiropractor | $15 | $15 | 25 | $15 | $15 | 25 | $20 | $20 | 25 | $25 | $25 | 25 |
Extended health care | $100,000 lifetime maximum | Included | Included | Included | ||||||||
Accidental dental | Up to $2,000/calendar year/person | Up to $2,000/calendar year/person | Up to $2,000/calendar year/person | Up to $2,000/calendar year/person | ||||||||
Hearing aids | Up to $300/5 calendar years (subject to a 3-month waiting period) | Up to $300/5 calendar years (subject to a 3-month waiting period) | Up to $300/5 calendar years (subject to a 3-month waiting period) | Up to $400/5 calendar years (subject to a 3-month waiting period) | ||||||||
Orthopaedic shoes | Up to $200/calendar year | Up to $200/calendar year | Up to $200/calendar year | Up to $200/calendar year | ||||||||
Medical equipment | 80% | Up to $2,500/calendar year | Up to $2,500/calendar year | 80% | ||||||||
Assistive devices |
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Up to $2,500/calendar year | Up to $2,500/calendar year | Up to $2,500/calendar year | ||||||||
Hospital | Optional | Included | Optional | Optional | ||||||||
Hospital | Optional:
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Optional:
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Optional:
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Prescription drugs |
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Pay direct drug card | ![]() |
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Dental care |
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Vision care, including eye exams and Laser eye surgery |
Not included | Eye exams ONLY: up to $50/2 calendar years for people aged 20-65 | Up to $100/2 calendar years (subject to a 3-month waiting period) Eye exams: Up to $50/2 calendar years for people aged 20-65 |
Up to $150/2 calendar years (subject to a 3-month waiting period) Eye exams: Up to $50/2 calendar years for people aged 20-65 |
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Travel insurance |
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Up to $5,000,000
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Accidental death & dismemberment |
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$25,000/applicant
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Assistance program | ![]() |
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Blue Advantage® discounts | ![]() |
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EQ Care Virtual Healthcare | ![]() |
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