Extended health care and dental insurance

Worry less with health and dental coverage

Prescriptions, visits to the optician or chiropractor, even a stay in the hospital can add up. AffinityPlus™ extended health care (EHC) and dental insurance helps cover these health costs and many more.

You’ll use your coverage when you:

Need prescription drugs¹
Buy new glasses or contacts
See a variety of medical practitioners, including:
- Registered massage therapists
- Physiotherapists
- Chiropractors
- Naturopaths
- Psychologists
- Speech therapists
Stay in the hospital (in a semi-private room)
Visit the dentist (if you choose an option with dental care coverage)

Who’s eligible?

You
Spouse²
Child(ren)

You are eligible to apply for coverage if you meet all the criteria below:

Are between the ages of 18 and 69 (renewable at age 70 and over)
Have provincial health coverage
Are a resident of Canada

Your spouse is eligible to apply for coverage if they meet all the criteria below:

Are under age 70
Have provincial health coverage
Are a resident of Canada

Your dependant child is eligible for coverage if they meet all the criteria below:

Your or your spouse’s child or adopted by you (other than a foster child)
Unmarried and entirely dependant on you and:
- Is under age 21, or
- Is under age 25 and attending college or university full-time, or
- Became incapable of self-support while they were entirely dependant on you.

Three coverage options

There are three health care plans available. Choose the plan that’s right for you.

The information found in this chart shows a summary of the coverage only. Full benefit details can be found in the group insurance policy and certificate of insurance.

The maximums are for each insured person.

Learn more

Get a quote and apply

Questions?

Call us at 1-877-363-2773
Mon to Fri 8 a.m. to 8 p.m. ET

For Quebec Residents Only:

Please contact a Securian Canada licensed representative at 1-877-363-2773.

They will help ensure that the product you’re interested in meets your needs, and help you fill out the application.

Options	Basic plan	Standard plan	Enhanced plan
Prescription drugs³
Reimbursement	60% 100% of dispensing fee up to $5	70% of the first $7,000 of expenses 100% on the next $93,000	80% of the first $5,000 of expenses 100% on the next $95,000
Annual maximum	$750	$100,000	$100,000
Deductible (the amount you pay)	None	None	None
Fertility drugs/contraceptives	No	No	Yes (oral contraceptives only)
Smoking cessation medication	Up to $250 lifetime maximum	Up to $250 lifetime maximum	Up to $250 lifetime maximum
Pay-Direct drug card	Yes	Yes	Yes
Exclusions (exclusions apply to Basic, Standard and Enhanced plans)	Drugs used to treat infertility, erectile dysfunction, or obesity Dietary supplements, vitamins and infant foods Cost of giving injections, serums, vaccines Contraceptives (other than oral in the Enhanced plan) Over-the-counter products to help with quitting smoking.
Extended health care These services must be medically necessary and within reasonable and customary charges. A provincially authorized medical professional must prescribe them.
Reimbursement	60% $25 per visit and calendar year maximum of $250 for each practitioner	100% Up to $300 each calendar year for each practitioner	100% Up to $400 each calendar year for each practitioner
Deductible	None	None	None
Accidental dental	$2,000 for each fracture or injury	$2,000 for each fracture or injury	$2,000 for each fracture or injury
Air ambulance services	Yes	Yes	Yes
Hearing aids	$400 every five years	$400 every five years	$400 every five years
In home nursing (by RNs, RPNs, RNAs, CNAs or LPAs)	No	$5,000 each calendar year $25,000 lifetime maximum	$10,000 each calendar year $30,000 lifetime maximum
Medical services and equipment	$2,500 each calendar year $20,000 lifetime maximum	$5,000 each calendar year	$5,000 each calendar year
Wigs and/or hair pieces	$100 each calendar year	$500 lifetime maximum	$500 lifetime maximum
Orthopedic shoes and orthotics	$150 each calendar year	$200 each calendar year	$200 each calendar year
Blood glucose monitor	$150 every 5 years	$300 every 5 years	$300 every 5 years
Splints and crutches, braces and/or casts	Yes	Yes	Yes
Wheelchairs, walkers, traction kits	$1,000 lifetime maximum only applicable for wheelchair	$4,000 lifetime maximum only applicable for wheelchair	$4,000 lifetime maximum only applicable for wheelchair
Hospital bed	Yes	$1,500 lifetime maximum	$1,500 lifetime maximum
Prosthetic appliances	Yes	Yes	Yes
Breast prosthesis	No	$200 each calendar year	$200 each calendar year
Exclusions (exclusions apply to Basic, Standard and Enhanced plans)	Services of a homemaker or home service worker Items solely for athletic use Dental expenses that aren’t accidental or aren’t to natural teeth User fees
Semi-private hospital room (in Canada)
Reimbursement	n/a	85% $200 each day $5,000 annual maximum Convalescent hospital: $20 daily maximum; 180 days for each incident If you are pregnant when you apply, we will pay up to two days of hospitalization due to pregnancy	85% $200 each day $5,000 annual maximum Convalescent hospital: $20 daily maximum; 180 days for each incident If you are pregnant when you apply, we will pay up to two days of hospitalization due to pregnancy
Major exclusions	n/a	Expenses that aren’t medically necessary	Expenses that aren’t medically necessary
Emergency travel medical
Eligibility	n/a	Up to age 80	Up to age 80
Reimbursement	n/a	100% $1 million lifetime maximum Pre-existing conditions not included	100% $1 million lifetime maximum Pre-existing conditions not included
Trip length	n/a	60 days each trip	60 days each trip
Travel assistance	n/a	Toll-free number for emergency assistance services	Toll-free number for emergency assistance services
Emergency payment assistance	n/a	Yes	Yes
Repatriation	n/a	Yes	Yes
Vehicle return	n/a	Yes	Yes
Major exclusions	n/a	Services that are not immediately required or which could wait until return home Related illness or injury after the emergency has ended Services rendered after you could have returned home (based on medical evidence) Injury, illness or complications if you refused recommended medical services Injury or illness related to or resulting from travel for medical treatment Emergencies more than 60 days after leaving your home province Regular treatment of a chronic injury or illness Pre-existing medical condition. This means that you had symptoms or needed treatment in the nine months before you left your home province. This includes changes in medication or doses Due to pregnancy and incurred within four weeks of the expected delivery date For a child born outside of Canada, until their coverage is in effect or they return to Canada (whichever is later) Incurred on an non-emergency referral basis
Vision care (Prescription eyeglasses, contact lenses, prescription sunglasses, laser eye surgery)
Reimbursement	No	100%	100%
Maximum	No	$150 every 2 years; every year for dependants under 18	$200 every 2 years; every year for dependants under 18
Eye exams	No	$50 every 2 years; every year for dependants under 18	$50 every 2 years; every year for dependants under 18
Waiting period	No	1 year	1 year
Dental – preventive
Reimbursement	60%	70%	80%
Annual maximum	$750 each calendar year	$750 each calendar year	$750 each calendar year
Waiting period	3 months	3 months	3 months
Exclusions (exclusions apply to Basic, Standard and Enhanced plans)	Lost, stolen, misplaced appliances, dentures and space maintainers Full mouth reconstructions for vertical dimension correction or for correction of temporomandibular joint dysfunction Expenses incurred for the treatment of malocclusion or for orthodontic treatment Services rendered in conjunction with surgical services payable under a government plan Services needed due to congenital malformation Charges for missed appointments Charges for completing claims forms
Dental – restorative
Reimbursement	n/a	n/a	50%
Annual maximum	n/a	n/a	$500 annual maximum
Waiting period	n/a	n/a	1 year
Dental – orthodontics
Reimbursement	n/a	n/a	60%
Lifetime maximum	n/a	n/a	$1,500
Waiting period	n/a	n/a	2 years

For some benefits, we pay when the insured person shows they have applied for the applicable government funding. For further details, please see a sample policy and/or certificate of insurance.

Things to know

All coverage becomes effective upon date of approval and receipt of premium payment.

General exclusions:

We will not pay for expenses:

Incurred, directly or indirectly caused by or associated with civil disorder or war, whether declared or not; or service in the naval, military or air force of any country, combination of countries or international organization at war, whether war is declared or not
That we are not legally allowed to pay
For services or items that we consider cosmetic
For services or items that we consider experimental
For delivery, transportation and administration charges
For services and products that are self-prescribed or are rendered or prescribed by a person who is ordinarily a resident in the insured person’s home or who is related to the insured person by blood or marriage
For services or supplies payable or available (regardless of any waiting list) under any government-sponsored plan or program unless explicitly listed as covered under this benefit
For services or supplies that are not approved by Health Canada or other government regulatory body for the general public
For services or supplies that are not generally recognized by the Canadian medical profession as effective, appropriate and required in the treatment of an illness in accordance with Canadian medical standards
For services or supplies that do not qualify as medical expenses under the Income Tax Act (Canada)
For elective (non-emergency) medical treatment or surgery which is received or performed out of province where they live

Financially protect what’s important – apply today

Get a quote and apply using the quote tool

Medical underwriting is required.

1. Charges above the lowest-priced equivalent drug are not covered unless Securian Canada specifically approves them. You, your spouse, or your dependant child and the attending physician will need to fill out and send in an exception form.

2. Spouse: Your spouse by marriage or under any other formal union recognized by law, or a person who is publicly represented as your spouse for least 12 months. You can only cover one spouse at a time. If you no longer live together, your common-law spouse is no longer eligible for coverage. You must have your own coverage to get spouse coverage.

3. Drugs or related supplies must be medically necessary and within reasonable and customary charges. A provincially authorized medical professional must prescribe them. A registered pharmacist or doctor must dispense them. We pay the cost of the lowest-priced generic version of the drug, unless the physician has stated no substitutions. Securian Canada needs to approve the cost. You and the attending physician will need to send Securian Canada a form.