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.
You can also schedule a call.
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.
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.
| Eligible health professionals. | Basic plan | Enhanced plan |
|---|---|---|
| Acupuncturist and massage therapist | Up to $400 for all consultations combined | Up to $600 for all consultations combined |
| Audiologist and speech therapist | Up to $400 for all consultations combined | Up to $500 for all consultations combined |
| Chiropodist | Up to $400 | Up to $600 |
| Chiropractor | Up to $400 | Up to $600 |
| Counsellor | 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. | 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. | 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. | Basic plan | Enhanced plan |
|---|---|---|
| First 30 days of a trip | 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
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 | 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.
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
Monday to Friday: 9 AM to 5 PM
1-866-838-7661 Phone number of Desjardins Insurance. This link opens your phone app.
We can also call you when it's convenient.