Health Insurance

GMS Replacement Health

EssentialPlan

Our EssentialPlan covers the essentials not covered by your provincial health plan – including air and road ambulance, medical equipment, hearing aids and more!

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Benefit Details
Dental Care
  • 80% preventative & basic
  • 50% major
  • $1,000 combined maximum
Accidental Dental $2,000 / injury
Private Duty Nursing 80% to $1,000
Preferred Hospital Room 80% to $2,000 annual maximum
Custom Made Foot Orthotics & Orthopedic Shoes $300
Health Practitioners 50% to a $600 combined maximum
Hearing Aids $500 / 5 years
Ground & Air Ambulance Unlimited
Funeral Expenses (accidental death) $4,000
Medical Equipment & Supplies
including but not limited to:
  • casts
  • crutches
  • blood pressure monitors
  • mobility aids
  • walkers
  • $3,000 combined maximum
  • $500 / item limit on most equipment and supplies
  • $250 limit on embolic stockings
  • $2,500 lifetime limit on sleep apnea machine
Wheelchairs, Motorized Scooters & Adjustable Beds 80% to $10,000 combined lifetime maximum
Artificial Limbs, Eyes & Larynx (includes myoelectric limbs) $10,000 combined lifetime maximum
Breast Prosthesis $325 single / 2 years $650 bi-lateral / 2 years

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GMS Replacement Health Coverage is available in the provinces and territories of British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, Nova Scotia, Prince Edward Island, Newfoundland, Yukon, the Northwest Territories and Nunavut.

This is a summary of benefits. Please refer to the policy wording for complete details.