Solo Health is a flexible health benefits plan that may be customized to meet the coverage and budgetary needs of the self-employed, established business owners, salaried employees and contract workers. Solo Health also offers supplementary benefits such as Prescription Drug, Hospital and Dental Care coverage.

Issue Ages
 

• 18 to 64 years old
   

Issue Conditions
 

• N/A
   

• Expires at age 70
   

Cost of Insurance

The cost of the insurance increases each time the insured person changes Age bands.
 

• 18 to 39
• 40 to 49
• 50 to 54
• 55 to 59
• 60 to 64
• 65 to 69
   

Type of Coverage
 

• Individual: Coverage for one insured only
• Couple: Coverage for the insured and spouse
• Single Parent: Coverage for one insured and dependent children
• Family: Coverage for the insured, spouse and dependent children
   

Options

Four (4) coverage options are available with Solo Health:
 

• option 1: Basic Core Health Benefit
• option 2: Enhanced Core Health Benefit with Higher Amounts of Coverage, plus
                   Vision Care coverage
• option 3: Enhanced Core Health Benefit with Higher Amounts of Coverage and
                   Vision Care, $25,000 of Life insurance with Accidental Death and
                   Dismemberment and Accidental Fracture.
• option 4: Enhanced Core Health Benefit with Higher Amounts of Coverage,
                   Vision Care, $25,000 of Life insurance with Accidental Death and
                   Dismemberment and Accidental Fracture as well as $10,000 of Critical
                   Illness coverage.
   

Conversion Privilege

No Conversion Privilege. The $25,000 of life insurance (option 3 and 4) is not convertible.

Conversion Eligibility
 

• N/A
   

Competitive Advantage

Flexible and affordable, Solo Health is designed specifically to satisfy your client's needs and budget

Protections

Basic Core Health Benefits

• 100% reimbursement, no deductible, subject to a $50,000 lifetime maximum per insured person for all services combined, except for travel insurance.
• Alternative Practitioners, Psychologist, Physiotherapist, Speech & Hearing Therapists, Accidental Dental, Ambulance Services, Medical Equipment & Imaging Techniques, Orthopedic Devices, Home nursing Care, Travel Coverage*.
   

* The lifetime maximum is $1,000,000 for travel insurance

Enhanced Core Health Benefit

***Please note that the amounts reimbursed for these basic medical and paramedical expenses are higher than the basic core health benefits***
 

• 100% reimbursement, no deductible, subject to a $50,000 lifetime maximum per insured person for all services combined.
• Alternative Practitioners, Psychologist, Physiotherapist, Speech & Hearing Therapists, Accidental Dental, Ambulance Services, Medical Equipment & Imaging Techniques, Orthopedic Devices, Home nursing Care, Travel Coverage*.
• Plus vision care coverage!
   

* The lifetime maximum is $1,000,000 for travel insurance.

Life Insurance
 

• Insured: $25,000 face amount
• Spouse: $10,000 face amount
• Dependent Children: $5,000 face amount
   

Critical Illness Insurance
 

• Insured and Spouse: $10,000 face amount
• 20 illnesses or conditions including Occupational HIV infection Critical illness coverage not available for dependent children
   

Accidental Death & Dismemberment (AD&D) and Accidental Fracture (AF)

Please refer to the Death & Dismembermemt (ADD) and Accidental Fracture (AF) details below.

Supplementary benefits

Hospital Coverage Benefit

100% coverage up to $175 per day for semi-private accommodations in a public general hospital.

Dental Care Benefit

70% reimbursement, no deductible on diagnostic, preventive services, basic restorations, periodontal benefits, surgical services, adjunctive services, and denture services.

Annual maximums:

• 1 year= $500
• 2 year= $750
• Each subsequent year= $1,000
   

(Subject to a 3-month waiting period)

Prescription Drug Benefit (Not available in Quebec)
 

• 80% reimbursement for eligible prescribed medications with a $5 per prescription co-payment on drugs. Reimbursement is based on the lowest-cost generic equivalent.
• Annual maximum payable: $2,000 per insured
• Eligible Drugs: prescription drugs and life-sustaining products.
   

Sum payable by type of loss

Accidental death & dismemberment (ADD) and accidental fracture (AF)

Insured

• Accidental Death: $25,000
• Accidental Loss: Loss of use of both hands or both feet, Loss of sight in both eyes, Loss of use of one hand and one foot, Loss of use of one foot and sight in one eye, Loss of use of one hand and sight in one eye: $50,000
• Loss of use of one hand or one foot or Loss of sight in one eye: $25,000
• Total amount payable if more than one loss listed above occurs: $50,000
   

Spouse

• Accidental Death: $10,000
• Accidental Loss: Loss of use of both hands or both feet, Loss of sight in both eyes, Loss of use of one hand and one foot, Loss of use of one foot and sight in one eye, Loss of use of one hand and sight in one eye: $20,000
• Loss of use of one hand or one foot or Loss of sight in one eye: $10,000
• Total amount payable if more than one loss listed above occurs: $20,000
   

Dependent children

• Accidental Death: $5,000
• Accidental Loss: Loss of use of both hands or both feet, Loss of sight in both eyes, Loss of use of one hand and one foot, Loss of use of one foot and sight in one eye, Loss of use of one hand and sight in one eye: $10,000
• Loss of use of one hand or one foot or Loss of sight in one eye: $5,000
• Total amount payable if more than one loss listed above occurs: $10,000
   

Sum payable by type of fracture
 

• Fractures spinal column, pelvis or femur: $1,000
• Fractured rib, scapula, humerus, patella, tibia or fibula: $250
• Any other fracture: $100