Health Insurance

Are you looking to replace your current health insurance or do you need a new benefits plan? Call Filip Ambroziak at (416) 803-2113 or email filipa@pbnet.ca

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Personal Health Insurance Plans

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We offer three personal health care plans.

Vision Care

  • 90% to $250/2 years for frames/lenses
  • $90/eye exam/2 years 

80% to $200 per 2 years combined

Not included

Health Practitioners

90% to $300 per health practitioner, per person, per policy year for Acupuncturist, Chiropractor, Chiropodist/Podiatrist, Massage Therapist, Naturopath, Dietitian, Osteopath, and Physiotherapist.

80% to $350 combined maximum for Acupuncturist, Chiropractor, Chiropodist/Podiatrist, Massage Therapist, Naturopath, Dietitian, Osteopath, and Physiotherapist, per person per policy year.

70% to $250 combined maximum for Acupuncturist, Chiropodist/Podiatrist, Naturopath, Dietitian, and Osteopath, per person, per policy year.

Counselling Services 

Combined maximum of $65 per visit for 15 visits per person, per policy year.

Combined maximum of $65 per visit for 10 visits per person, per policy year.

Not included

Speech Pathologist/Therapist

Combined maximum of $45 per visit for 10 visits, per person, per policy year.

Combined maximum of $45 per visit for 10 visits, per person, per policy year.

Combined maximum of $45 per visit for 5 visits, per person, per policy year.

Ambulance

Unlimited
Unlimited
$2,000 / person / year

Air Ambulance

Unlimited
Unlimited
Unlimited

Hearing Aids

$800 / 5 years

$500 / 5 years

Not included

Casts & Crutches

Unlimited
Unlimited
Unlimited

Health Supplies & Equipment 

$500 / person / year

$500 / person / year

Not included

Annual Travel 

  • 30 days coverage outside Canada
  • 183 days in Canada
  • $2,000,000 annual maximum
  • $500,000 COVID-19 coverage within the policies annual maximum
  • 48 or 63 days coverage outside Canada
  • 183 days in Canada
  • $2,000,000 annual maximum
  • $500,000 COVID-19 coverage within the policies annual maximum
Not included

Diabetic Supplies & Equipment

$300 / person / year
$300 / person / year
Not included

Oxygen Equipment

$500 / person / year to a lifetime maximum of $2,500
$500 / person / year to a lifetime maximum of $1,500
Not included

Blood Pressure Monitors

1 / policy / 5 years
1 / policy / 5 years
Not included

Custom Made Foot Orthotics

80% 1 / 3 years / adult; 1 / year for children under 16
80% 1 / 5 years / adult; 1 / year for children under 16
Not included

Orthopedic Shoes

$225 / person / year
$225 / person / year
Not included

Mobility Aids

$300 / person / year
$300 / person / year
Not included

Ostomy Supplies

$300 / person / year
$300 / person / year
Not included

Preferred Hospital Room

45 days up to $3,500 / person / year
$1,000 / person / year
$500 / person / year

Private Duty Nursing

80% to $5,000 / person / year for in-hospital or in-home nursing.

80% to $3,000 / person / year for in-hospital or in-home nursing.

80% to $1,500/ person / year for in-hospital nursing.

Accidental Dental

$5,000 / injury
$2,000 / injury
$500 / injury

Wheelchairs, Motorized Scooters & Adjustable Beds

$1,000 / person / 5 years

$750 / person / 5 years

$500 / person / 5 years

Prosthetic Appliances

Artificial limbs, eyes, breasts and surgical bras

Artificial limbs, eyes, breasts and surgical bras

Artificial limbs, eyes, breasts and surgical bras

Patient Walkers

80% of purchase or rental to a maximum of $300 / person / 5 years
80% of purchase or rental to a maximum of $300 / person / 5 years
80% of purchase or rental to a maximum of $300 / person / 5 years

LifeWorks 

Included

Included

Included

This is a summary of benefits. Full details, along with the terms, conditions, limitations, and exclusions are in the policy.

Do you need to replace an existing group insurance plan?

Replacement Health Insurance Plans

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We offer three replacement health care plans.

Prescription Drugs 

80% to $2,500

80% to $1,250

Not included

Dental Care

  • 80% preventative & basic
  • 50% major
  • $1,500 combined maximum
  • 80% preventative & basic
  • 50% major
  • $1,250 combined maximum
  • 80% preventative & basic
  • 50% major
  • $1,000 combined maximum

Accidental Dental

$2,000 / injury

$2,000 / injury

$2,000 / injury

Private Duty Nursing

80% to $5,000

80% to $3,000

80% to $1,000

Preferred Hospital Room

80% to $10,000 annual maximum

80% to $5,000 annual maximum

80% to $2,000 annual maximum

Custom Made Foot Orthotics & Orthopedic Shoes

$300

$300

$300

Health Practitioners 

$600 combined maximum

80% to $600 combined maximum

50% to $600 combined maximum

Vision Care

$300 / 2 years combined maximum

$150 / 2 years combined maximum

$100 / 2 years combined maximum

Hearing Aids

$800 / 5 years

$500 / 5 years

$500 / 5 years

Ground & Air Ambulance

Unlimited

Unlimited

Unlimited

Funeral Expenses

$4,000

$4,000

$4,000

Medical Equipment & Supplies 

  • $3,000 combined maximum
  • $500 / item limit on most equipment and supplies
  • $250 limit on embolic stockings
  • $2,500 lifetime limit on sleep apnea machine
  • $3,000 combined maximum
  • $500 / item limit on most equipment and supplies
  • $250 limit on embolic stockings
  • $2,500 lifetime limit on sleep apnea machine
  • $3,000 combined maximum
  • $500 / item limit on most equipment and supplies
  • $250 limit on embolic stockings
  • $2,500 lifetime limit on sleep apnea machine

Wheelchairs, Motorized Scooters & Adjustable Beds

80% to $10,000 combined lifetime maximum

80% to $10,000 combined lifetime maximum

80% to $10,000 combined lifetime maximum

Artificial Limbs, Eyes & Larynx

$10,000 combined lifetime maximum

$10,000 combined lifetime maximum

$10,000 combined lifetime maximum

Breast Prosthesis

$325 single / 2 years $650 bi-lateral / 2 years

$325 single / 2 years $650 bi-lateral / 2 years

$325 single / 2 years $650 bi-lateral / 2 years

Annual Travel

  • 15 days out of Canada
  • 183 within Canada
  • $1,000,000 annual maximum 
  • $500,000 COVID-19 coverage within the policy’s annual maximum
  • 7 days out of Canada
  • 183 within Canada
  • $1,000,000 annual maximum
  • $500,000 COVID-19 coverage within the policy’s annual maximum
Not included

This is a summary of benefits. Please refer to the policy wording for complete details.

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