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Health insurance

Coverage that helps you pay for everyday health expenses.

Call us for advice or to get a health insurance quote.

1-866-838-7661  Phone number of Desjardins Insurance. This link opens your phone app.

Already have health insurance?

What is health insurance?

Health insurance, which includes dental insurance, helps pay for everyday and unexpected health expenses, such as prescription drugs and professional healthcare services.

It's a good option if you're self-employed, work part-time or don't have group insurance.

Why get personal health insurance?

You can use personal health insurance to top up your provincial health plan and pay for expenses that aren't covered under your group insurance.

Depending on the plan and add-ons you choose, this includes:

Dental and vision care

Such as teeth cleaning, orthodontic treatment and prescription glasses.

Professional healthcare services

Such as services of physiotherapists, osteopaths and psychologists.

Expenses for certain drugs

Such as prescription drugs, including hormonal contraceptives.

Features

Personalized plan

Create a plan that fits your needs and budget.

Family coverage

You can insure your whole family under one policy. 1

Travel insurance

Covers you for trips outside your home province.

Our health insurance plans

Choose 1 of 2 plans and tailor it to your needs.

Basic plan

Our basic plan gives you access to most healthcare services.

It includes:

  • Medical and paramedical care
  • Dental care due to an accident
  • Vision care
  • Travel insurance

Enhanced plan

Our enhanced plan offers the same coverage as the basic plan but with higher reimbursement amounts.

It also includes:

  • The cost of a semi-private room if hospitalized

What do our plans cover?

Services of health professionals

Maximum benefit per person per year.

 Healthcare covered – Health professionals
 Eligible health professionals. Basic plan Enhanced plan
Acupuncturist and massage therapist 2 Up to $400 for all consultations combined Up to $600 for all consultations combined
Chiropodist Up to $400 Up to $600
Chiropractor Up to $400 Up to $600
Counsellor 3 Up to $400 for all consultations combined Up to $500 for all consultations combined
Hearing and speech therapist 2 Up to $400 for all consultations combined Up to $500 for all consultations combined
Homeopath Up to $400 Up to $600
Osteopath Up to $400 Up to $600
Orthotherapist Up to $400 Up to $600
Podiatrist Up to $400 Up to $600
Physiotherapist Up to $250 Up to $350

Hospitalization

 Healthcare covered – Hospitalization
 Healthcare covered. Basic plan Enhanced plan
Hospitalization Not included 100% of the cost of a semi-private room, unlimited number of days

Vision care

Maximum benefit per person per 24 months.

 Healthcare covered – Vision care
 Healthcare covered. Basic plan Enhanced plan
Prescription glasses, contact lenses, surgery Up to $150 Up to $250
Vision exam Up to $50 Up to $70

Travel insurance

Maximum benefit per person.

 Healthcare covered – Travel insurance
 Healthcare covered. Basic plan Enhanced plan
First 30 days of a trip 4 Up to $5,000,000 Up to $5,000,000

Medical care

  • Ambulance services
  • Convalescent care (occupational therapy and private nursing care)
  • Dental treatment due to an accident
  • Hearing aids
  • Medical equipment and orthopaedic devices
  • Orthopaedic shoes and foot orthotics
  • Prostheses and orthopaedic appliances

Diagnostic services

  • CT scans
  • Lab tests (blood tests, including PSA tests, urine tests and throat swabs)
  • Magnetic resonance imaging (MRI)
  • Ultrasounds
  • X-rays, including PET scans

Learn more about this insurance

See our health insurance document for a complete list of benefits.

Additional coverages

Boost your plan with add-ons for prescription drugs and dental care.

Prescription drugs

This coverage reimburses up to $10,000 per person per year for eligible drug expenses that aren't covered by Quebec's prescription drug insurance plan. External link.

It includes:

  • Generic and brand name prescription drugs
  • Some hormonal contraceptives (oral contraceptives, patches, injections and intrauterine devices)

Dental care

Choose our basic or enhanced plan.

Basic plan

The basic plan covers most preventive and basic dental care.

For example:

  • Complete and recall examinations
  • Scaling
  • Cleaning
  • Fillings
  • X-rays

Enhanced plan

The enhanced plan offers higher reimbursement amounts than the basic plan. And it covers repair work and orthodontic treatment.

For example:

  • Wisdom teeth removal
  • Gum grafting
  • Fixed and removable dentures
  • Root canal treatment
  • Complete orthodontic treatment

Examples of reimbursements

 Healthcare covered – Dental care
 Healthcare covered Basic plan Enhanced plan
Complete examination and X-rays 80% every 36 months 100% every 24 months
Recall exam, cleaning and fluoride application 80% every 9 months 100% every 6 months

Advantages of health insurance

Coverage options

Choose the one that's right for you:

  • Individual
  • Couple
  • Family
  • Single-parent family

Coverage period

Health insurance covers you for 1 year and is automatically renewed every year up to your 70th birthday. 5 , 6 You can cancel your policy at any time.

Tax treatment

Premiums paid may be considered a deductible expense when calculating your net business income. They may also be eligible for the tax credit for medical expenses.

Assistance services

If you're looking to get help with daily activities or support in difficult times, we're here for you.

Phone assistance

Call anytime for advice from a nurse on nutrition, vaccinations, the use of prescriptions drugs and other health matters.

Second medical opinion

Get a second opinion on a diagnosis from specialist physicians, who will review your medical record and history.

Travel assistance

Get help or advice (medical or non-medical) when you travel overseas.

Multi-coverage discount

Get a reduced premium when you buy 2 or more eligible insurance coverages at the same time for the same policy.

FAQ

Does health insurance cover dental care?

Our health insurance offers 2 add-ons for dental care:

  • The basic plan pays for a part of the preventive care received (examination, cleaning, fillings, etc.).
  • The enhanced plan also covers major care and orthodontics.
Does health insurance cover glasses?

Our health insurance covers the purchase of prescription glasses.

It also covers other vision care expenses, including eye exams, the purchase of contact lenses and surgery to correct nearsightedness, farsightedness or astigmatism.

Does health insurance cover prescription drugs?

Our health insurance offers an add-on for prescription drugs, covering up to $10,000 per person annually. This includes generic and brand name drugs, and some hormonal contraceptives (oral contraceptives, patches, injections and intrauterine devices).

Does health insurance cover over-the-counter drugs?

No, over-the-counter drugs aren't covered by our health insurance. But you can be reimbursed for certain prescription drugs.

Is health insurance tax deductible?

Yes. If you're a self-employed worker or business owner, your premiums can be deducted when calculating your net business income for tax purposes.

If you're an employee, your premiums are considered medical expenses eligible for a tax credit.

Get a health insurance quote

By phone

We can also call you when it's convenient.

Explore our other insurance options

Critical illness insurance

Insurance that protects you financially if you're diagnosed with an illness that's covered by your policy.

Learn more about critical illness insurance.

Disability insurance

Insurance that protects your income if you're unable to work due to a disability.

Learn more about disability insurance.
Life insurance and living benefits products are manufactured by Desjardins Financial Security Life Assurance Company.
The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails. Certain conditions, exclusions and limitations may apply. To be eligible for health insurance, you must have group drug coverage through an employer, a membership in an order or association or, if not, through RAMQ. To be eligible for health insurance, you and your spouse must be between the ages of 18 and 64, and your children must be under the age of 21, single and unemployed. For basic plan only: referral required for reimbursement of massage therapy and speech therapy expenses. Guidance counsellor, psychiatrist, psychologist, couples therapist, family therapist or social worker. Travel insurance is valid for 90 days per year. Your spouse's coverage ends on the first of the following events: your spouse's 70th birthday or your 70th birthday. Your children's coverage ends on the first of the following events: your child's 26th birthday or your 70th birthday.