Guaranteed Issue Enhanced Plan

Help protect your savings and your health, with our Guaranteed Issue Enhanced plan that offers comprehensive coverage for a wide range of healthcare costs. And you don’t have to answer any medical questions when you apply – even if you have a pre-existing condition.

Call 1-877-268-3763

Overview

The Guaranteed Issue Enhanced plan may be right for you if you have any pre-existing health conditions, and you require regular or more costly prescription drugs.

View a Sample Policy as a reference that indicates limitations, exclusions and conditions.

Drugs

  • Plan max of $2,500 in paid expenses per year
  • Co-insurance of 80%
  • $500 for Lifestyle* drugs (included in plan max)

Dental

  • Plan max of $450 in paid expenses per year
  • Co-insurance of 80%

Extended Health Care

  • Combined plan max of $500 per year for registered specialists and therapists, with co-insurance of 80%
  • Additional coverage for mental health and therapy, medical equipment, prosthetics and medical supplies and more

Vision

  • Plan max of $200 every 2 benefit years (3 month waiting period)
  • Plan max of $60 every 2 benefit years for optometrist fees**

Hospital Expenses

  • In-Hospital Expenses
  • In-Canada Medical Travel
  • 3 month waiting period
  • $200 deductible per claim

Travel

  • Emergency Medical Travel
  • $5 million per person
  • 10 days per trip, unlimited number of trips
  • $200 deductible per claim
Does this plan seem like a good match for your needs?

These plans may also work well for you.

ComboPlusᵀᴹ Starter Plan

The most affordable ComboPlusᵀᴹ plan

DentalPlusᵀᴹ Enhanced Plan

Comprehensive protection without drug coverage

Compare all plans

See all Health and Dental plans at a glance.

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Top 5 questions about Guaranteed Issue Enhanced


If your claim form is complete and accurate, you will generally receive payment within six business days. When information is missing, we may have to return the claim form to you. This delays processing and payment.


First, check to see if your provider has already submitted your claim. Often, you don't have to submit a claim because many hospitals, pharmacies and dentists can submit your claim directly to us. There's no online form or paperwork for you, and you only pay the amount your plan doesn't cover.

If your provider hasn't already submitted your claim, you can submit your claim online or on paper by mail.

Submit your claim online:

  • Within 12 months of the date you were charged
  • After you've paid more than any deductible in your plan
  • Specify the currency if your claim is for services outside Canada
  • Hold onto original receipts and applicable supporting documentation for 12 months

Submit your claim on paper by mail:

  • Within 12 months of the date you were charged
  • After you've paid more than any deductible in your plan
  • Specify the currency if your claim is for services outside Canada
  • Include original receipts and applicable supporting documentation
  • Make sure you've signed your claim form
  • Extended health claim form – for all covered expenses except dental expenses
  • Dental benefit claim form – must be completed by your dentist or dental specialist

For FlexCare Customers
If you're in Canada or the United States, call our Assistance Centre at 1-800-805-1008. Outside of Canada or the United States, call collect at 1-519-251-7298.

For Follow Me Customers
If you're in Canada or the United States, call our Assistance Centre at 1-855-857-5919. Outside of Canada or the United States, call collect at 1-519-251-1570.

For Guaranteed Issue Enhanced Customers
If you're in Canada or the United States, call our Assistance Centre at 1-800-805-1008. Outside of Canada or the United States, call collect at 1-519-251-7298.


Every province and territory has a different health insurance plan – check your health ministry's website for details – but most may not cover:

  • Prescription drugs
  • Dental checkups and treatment
  • Vision care
  • Semi-private or private hospital rooms
  • Registered specialists and therapists such as Acupuncturists, Chiropodists, Chiropractors, Naturopaths, Osteopaths, Physiotherapists, Podiatrists, Psychologists/Psychotherapists, Registered Massage Therapists, Speech Pathologists/Therapists
  • Health-related products such as orthotics, hearing aids, prosthetics and medical equipment
  • Health-related services such as ambulance, homecare and nursing, medical coordination and second medical opinions
  • Emergency medical care for travellers

Our health and dental plans that offer guaranteed acceptance, including the Flexcare® ComboPlusᵀᴹ Starter Plan, Guaranteed Issue Enhanced Plan, and all four FollowMeᵀᴹ plans for people whose group benefits are ending, cover eligible pre-existing conditions and eligible current medications. Our other health and dental plans only cover new medications. Refer to your policy for more details. 

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