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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.

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  Basic Blue Choice Blue Choice Balance Blue Choice
                   
Who can apply Anyone aged 16-74 Anyone aged 16+ Anyone aged 16+
Money back guarantee 30 days 10 days 30 days
Plan type Package of benefits Package of benefits Choose only the benefits you need
Ambulance yes yes yes
Ambulance 80% 80% 80%
Nursing care yes yes yes
Nursing care
  • Years 1 & 2: Up to $500
  • Year 3: Up to $1,500
  • Year 4 & later: Up to $2,500/calendar year
Up to $2,500/calendar year Up to $2,500/calendar year
Paramedical coverage yes yes yes
Paramedical coverage 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 20 $80 $65 20
Speech therapist $65 $45 12 $65 $45 12 $65 $45 12 
Massage therapist $15 $15 25 $20 $20 20 $25 $25 25 
Chiropodist, naturopath, physiotherapist, osteopath, podiatrist, chiropractor $15 $15 25 $20 $20 25 $25 $25 25 
Extended health care $100,000 lifetime maximum Included  
Accidental dental 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 $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
Medical equipment 80% Up to $2,500/calendar year 80%
Assistive devices
  • Years 1 & 2: Up to $500
  • Year 3: Up to $1,500
  • Year 4 & later: Up to $2,500/calendar year
Up to $2,500/calendar year Up to $2,500/calendar year
Hospital Optional Optional Optional
Hospital Optional:
  • Private or semi-private room
  • 100%, $200/day
  • 90-day maximum
Optional:
  • Private or semi-private room
  • 100%, $200/day
  • 90-day maximum
Optional:
  • Private or semi-private room
  • 100%, $200/day
  • 90-day maximum
Prescription drugs
  • No deductible
  • 70%, up to $500/calendar year
  • Up to age 65
  • No deductible
  • 70%, up to $5,000/calendar year
  • Up to age 65
  • No deductible
  • 80%, up to $10,000/calendar year
  • Up to age 65
Pay direct drug card yes yes yes
Dental care
  • No deductible
  • 70%, up to $245/calendar year
  • No deductible
  • 70%, up to $500/calendar year
  • No deductible
  • Year 1: 70%, up to $750/calendar year
  • Year 2: 75%, up to $1,000/calendar year
  • Year 3: 80%, up to $1,250/calendar year, including 50% major restorative, up to $500 as part of overall maximum
Vision care, including eye exams
and Laser eye surgery
Not included 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
Travel insurance
  • Up to $5,000,000
  • Unlimited number of 15-day trips
  • Up to $5,000,000
  • Unlimited number of 15-day trips
  • Up to $5,000,000
  • Unlimited number of 15-day trips
Accidental death & dismemberment
  • $25,000/applicant
  • $25,000/spouse
  • $5,000/child
  • $25,000/applicant
  • $25,000/spouse
  • $5,000/child
  • $25,000/applicant
  • $25,000/spouse
  • $5,000/child
Assistance program yes yes yes
Blue Advantage® discounts yes yes yes

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