If you are looking for individual health and dental insurance in Ontario, but have a pre-existing condition, you have two options. One is a standard plan which will not cover your pre-existing condition and requires you to fill a medical questionnaire. The other but better option is Guaranteed Issue Non-Medical Health Insurance with no questions or health examination and which will cover your existing health condition.
Advantages of Guaranteed Issue No Medical Health Insurance:
- Guarantee of issue
- Coverage for pre-existing conditions
- No medical questionnaire
- Core benefits for dental, prescription drugs and medical practitioners depending on the plan type
- Such plans may also pay immediately for existing condition (for instance, diabetic syringes)
Click here to view or download a chart outlining health and dental plan options. Please note that the Combo Plus Starter (blue column) is the option that does not require a medical.