Health Care

Gives you the means to pay for health care not covered by provincial medicare plans.

Specially designed for the self-employed or salaried employees not covered by a group insurance plan.

Features

Select basic hospital and paramedical coverage or a wider range of health care to meet your needs.

• Hospital care
  • Reimburses 100% of expenses incurred for a semi-private room.
  • Number of days of hospitalization covered:
    • In the case of chronic illness, convalescence or rehabilitation: 120 days per hospital stay.
    • In all other cases, no limit on the number of days of hospitalization.
  • Coverage period: lifetime
• Paramedical care
  • Reimburses 80% of the first $500 of eligible expenses incurred.
  • Reimburses 100% of eligible expenses over the first $500 up to the annual limit.
  • Eligible expenses:
    • Care provided by professionals: physiotherapists, chiropractors, acupuncturists, physiatrists, physical rehabilitation therapists, sports therapists.
    • The following services: x-rays, ultrasounds, home care nursing.
    • Articles and equipment: orthopaedic prostheses, orthoses, orthopaedic shoes, hearing aids, breast prostheses, artificial eyes, hospital bed, wheelchair, respirator.
  • Coverage period: lifetime.
• Prescription drugs
  • In Quebec: reimburses 100% of eligible expenses not covered by the provincial drug plan.
  • The provincial drug plan deductible is not reimbursable.
  • Coverage period: up to age 65.
• Dental care
  • Reimburses 100% of preventive care, with no deductible.
  • Reimburses 80% of reasonable charges for basic care and minor restoration.
  • $50 deductible for single insured $100 deductible in all other cases.
  • Annual reimbursement limits:
    • 1^st calendar year: $750
    • 2^nd calendar year: $750
    • 3^rd calendar year: $1,000
  • Coverage period: up to age 65.

General features

The following also apply to the health care coverages described above.

• Complimentary travel insurance: covers eligible expenses for no more than the first 30 days of a trip outside province of residence.
• Individual, family, single-parent or couples coverage available.
• Cost based on age, gender, number of insureds and province of residence. Job category is also taken into account for dental care coverage.

Advantages

• Allows you to create insurance coverage similar to that of a group plan.
• You may add insureds to your contract as well as additional Vision coverages such as life, disability, critical illness and loss of independence insurance.
• You benefit from other Vision contract advantages such as basic coverages and assistance services at no extra charge.

To get Health Care insurance, please meet with a financial security advisor¹ at a caisse or Desjardins Business Centre.

	By e-mail	Write us
	By phone	1-866-838-7661
	At the caisse	Make an appointment with a financial security advisor at a caisse.
	At a Desjardins Business Centre	Make an appointment with a financial security advisor at a Desjardins Business Centre.

The product described above is Desjardins Financial Security Life Assurance Company insurance coverage distributed by Desjardins Financial Security, Financial Services Firm. This document is provided for informational purposes only. Only the policy and the insurance application will be used to settle legal disputes. Certain exclusions and restrictions may apply.

1. Life and health insurance agent in Ontario. Financial security advisors are employees of Desjardins Financial Security, Financial Services Firm.