PlanDirect™ Core, Core Plus and Elite plans
Don’t have coverage right now? PlanDirect has you covered.
Health and dental insurance for freelancers, self-employed or anyone not covered by a group plan.
You can choose from three plans.
Core Plus
Same great coverage as our Core plan, but your reimbursement rate and maximums are higher.
- 80% prescription coverage up to $10,000 per person per calendar year
- 80% routine dental coverage up to $750 per person per calendar year
- 100% coverage for paramedical practitioners up to $400 per practitioner each calendar year
Elite
If you’re looking for even more coverage than Core Plus, this is the plan for you.
- 90% prescription coverage up to $10,000 per person per calendar year, 100% for next $240,000
- 80% routine dental coverage up to $1000 per person per calendar year
- 100% coverage for paramedical practitioners up to $500 per practitioner per calendar year
Got coverage right now (or lost it within 60 days)?
Our Basic, Comprehensive and Premier plans may be right for you.
Here’s how the different plans compare in some of the most popular benefits areas*:
Core | Core Plus | Elite | |
|---|---|---|---|
Dental – routine services | 70% coverage up to $350 per person each calendar year | 80% coverage up to $750 per person each calendar year | Option 1: without dental Option 2: with dental, 80% coverage up to $1000 per person each calendar year |
Eye glasses, contact lenses and laser eye surgery |
100% coverage up to $150 per person every 2 years |
100% coverage up to $200 per person every 2 years | 100% coverage up to $250 per person every 2 years |
| Paramedical services, including physiotherapy, speech therapy and psychology |
100% coverage up to $30 per visit; maximum of $300 per practitioner each calendar year |
100% coverage up to $40 per visit; maximum of $400 per practitioner each calendar year |
100% coverage up to $50 per visit; maximum of $500 per practitioner each calendar year |
Prescription drugs | 70% coverage up to $500 per person each calendar year | 80% coverage up to $10,000 per person each calendar year | 90% coverage on first $10,000 per person each calendar year 100% for the next $240,000 $250,000 maximum per person each calendar year |
| Learn more | Learn more | Learn more |
*Note: If you are a Quebec resident, PlanDirect provides supplemental coverage to the prescription drug coverage provided under the Régie de l’assurance maladie du Québec (RAMQ) basic prescription drug insurance plan. PlanDirect doesn’t remove your obligation to have drug coverage through the RAMQ drug public plan, through your employer or an association you are a member of or through the employer of your spouse.
Here’s what real customers have to say about their Canada Life insurance plans
It works. No hassles. The coverage is always there.
The ability to submit claims via the app so easily is wonderful.
It gives me protection between jobs.
It was very easy to get reimbursed and it was very fast.
You can also add extra coverage if you need it.
Major dental coverage (Core and Core Plus only)
Bridges, crowns, dentures – this extra coverage helps with non-routine dental expenses. Major dental is included in the Elite plan so adding it as extra coverage isn’t necessary.
Accidental death, dismemberment or specific loss
Added financial security if you’re injured or killed in an accident.
Travel medical insurance
If you get sick or hurt while you’re outside Canada, this can cover medical expenses arising from sudden and unexpected situations, like an accident or emergency.
Hospital accommodation
Helps covers the cost when you upgrade from a standard to a private or semi-private room.
Hospital cash
Helps with expenses if you need to stay in the hospital for an extended time.
Ready to get health and dental coverage?
If you’d like to explore plans and see how much they could cost you, get a quote.
