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Personal Health Insurance
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What is private health insurance? Isn't my provincial health card enough?
As Canadians, we benefit from a public health care system and provincial health plans that cover many basic medical expenses. But, like most systems, it’s not perfect.
Buying private health insurance supports your health while protecting your wallet. From contacts and dental exams to massages and medical equipment, if you ask us, it’s a purchase you won’t regret.
The GMS difference
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Comprehensive coverage. You know best what you need to feel good. Our plans cover all the bases – all you have to do is pick one and customize to your liking and lifestyle.
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Convenient claims. Submit your claims online to get cash back sooner or find participating health provider who will send us the bill, so you don’t have to.
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Expert help when you need it. The GMS Customer Care team is here to answer questions and help you find the best plan for you.
Three easy to choose, easy to use private health insurance plans
Our BasicPlan, ExtendaPlan®, and OmniPlan® all deliver big benefits plus features and add-ons that make your life easier.
Compare Personal Health coverage
| Benefit | BasicPlan | ExtendaPlan® | OmniPlan® |
|---|---|---|---|
| Prescription Drugs | Optional - See Add-on Coverage below | Optional - See Add-on Coverage below | Optional - See Add-on Coverage below |
| Dental Care | Optional - See Add-on Coverage below | Optional - See Add-on Coverage below | Optional - See Add-on Coverage below |
| Vision Care
Covers eyewear and eye exams.
| Not included | 80% coverage to $250 per 2 years combined |
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| Health Practitioners
Covers services from acupuncturists, chiropractors, chiropodists/podiatrists, massage therapists, naturopaths, dietitians, osteopaths, and/or physiotherapists/athletic therapists.
| 70% coverage to $250 combined maximum for Acupuncturist, Chiropodist/Podiatrist, Naturopath, Dietitian, and Osteopath, per person, per policy year | 80% coverage to $350 combined maximum for Acupuncturist, Chiropractor, Chiropodist/Podiatrist, Massage Therapist, Naturopath, Dietitian, Osteopath, and Physiotherapist/Athletic Therapist, per person per policy year | 90% coverage to $300 per health practitioner, per person, per policy year for Acupuncturist, Chiropractor, Chiropodist/Podiatrist, Massage Therapist, Naturopath, Dietitian, Osteopath, and Physiotherapist/Athletic Therapist |
| Counselling Services
Covers psychologists, clinical counsellors, registered social workers, and psychotherapists.
| Not included | Combined maximum of $65 per visit for 10 visits per person per policy year. | Combined maximum of $65 per visit for 15 visits per person per policy year |
| Speech Pathologist/Therapist | Combined maximum of $45 per visit for 5 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 10 visits, per person per policy year |
| Ambulance | $2,000 per person per policy year | Unlimited | Unlimited |
| Air Ambulance | Unlimited | Unlimited | Unlimited |
| Hearing Aids | Not included | $500 every five years | $800 every five years |
| Casts & Crutches | Unlimited | Unlimited | Unlimited |
| Medical Equipment & Supplies
Covers things like splints, braces, air casts, and shoulder immobilizers.
| Not included | $500 per person per policy year | $500 per person per policy year |
| Annual Travel (for Saskatchewan residents only)
GMS‘s Annual Travel benefit provides emergency medical coverage while you're travelling. Residents 80 years of age or older are only eligible for emergency medical coverage for travel within Canada.
| Not included | Options for out-of-Canada coverage:
All options: 183 days coverage in Canada |
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| Annual Travel (for Canadians living outside of Saskatchewan) | Optional - See Add-on Coverage below | Optional - See Add-on Coverage below | Optional - See Add-on Coverage below |
| Diabetic Supplies & Equipment | Not Included | $300 per person per year | $300 per person per year |
| Oxygen Equipment | Not included | $500 per person per year to a lifetime maximum of $1,500 | $500 per person per year to a lifetime maximum of $2,500 |
| Blood Pressure Monitors | Not included | 1 per policy per 5 years | 1 per policy per 5 years |
| Custom Foot Orthotics | Not included |
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| Orthopedic Shoes | Not included | $225 per person per year | $225 per person per year |
| Mobility Aids | Not included | $300 per person per year | $300 per person per year |
| Ostomy Supplies | Not included | $300 per person per year | $300 per person per year |
| Preferred Hospital Room | $500 per person per year | $1,000 per person per year | 45 days up to $3,500 per person per year |
| Private Duty Nursing | 80% coverage to $1,500 per person per year for in-hospital nursing | 80% coverage to $3,000 per person per year for in-hospital or in-home nursing | 80% coverage to $5,000 per person per year for in-hospital or in-home nursing |
| Accidental Dental | $500 per injury | $2,000 per injury | $5,000 per injury |
| Wheelchairs, Motorized Scooters & Hospital Beds | $500 per person per 5 years | $750 per person per 5 years | $1,000 per person per 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% coverage of purchase or rental to a maximum of $300 per person per 5 years | 80% coverage of purchase or rental to a maximum of $300 per person per 5 years | 80% coverage of purchase or rental to a maximum of $300 per person per 5 years |
| GMS Care Network | Included | Included | Included |
| Hospital Cash | Optional - See Add-on Coverage below | Optional - See Add-on Coverage below | Optional - See Add-on Coverage below |
Coverage is per person. This is a summary of benefits only.
Add-on Coverage
Five more ways to make your private health plan work for you.- Basic Prescription Drugs: Up to $3,500 of coverage per person per year.
Basic Prescription Drugs covers drugs under your provincial drug plan, drugs prescribed to treat newly diagnosed conditions, and hormonal contraceptives.
This coverage excludes:
A $6 deductible applies to each eligible prescription.
- Enhanced Prescription Drugs: Up to $5,000 of coverage per person per year, including $800 for drugs prescribed for pre-existing conditions.
Enhanced Prescription Drugs covers drugs under your provincial drug plan, drugs prescribed to treat newly diagnosed conditions, and hormonal contraceptives.
As part of the $5,000 coverage maximum, you’ll get $800 for pre-existing condition prescriptions, drugs that are not covered by your provincial drug plan, and prescriptions otherwise excluded (see Basic Prescription Drugs or policy wording for a full list of exclusions).
A $6 deductible applies to each eligible prescription.
- Dental Care: Coverage for basic dental services like exams and fillings and major services like crowns, bridges, and dentures.
Your coverage will increase over three years:
- Year 1: 75% coverage to a maximum of $500 for basic dental services.
- Year 2: 80% coverage for basic services and 50% coverage for major dental services to a combined maximum of $750.
- Year 3: 80% coverage for basic services and 50% coverage for major services to a combined maximum of $1,000.
A three-month waiting period may apply.
- Hospital Cash: Coverage for extended hospital stays with $100 per day to a maximum of $3,000 per year.
Covers out-of-pocket expenses like food, parking, and Wi-Fi.
- Annual Travel (included for Saskatchewan ExtendaPlan and OmniPlan customers): Emergency medical coverage for trips within and outside of Canada.
Peace of mind and protection while travelling. Get $2 million in coverage when you choose between an unlimited number of trips up to 15, 30, or 48 days per year.
Travellers 80 years of age and older are only eligible for emergency medical coverage within Canada.
Not sure which plan and add-on coverage is right for you?
We're happy to make a recommendation. Our Help Me Choose tool can recommend a plan for you in minutes.
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But wait, there's more!
Check out the GMS Resource Hub for a sample policy, forms, and other helpful information about personal health insurance.
Frequently asked questions (FAQs)
- Can I change my plan benefits or move maximums to other benefits?
No. GMS Personal Health plan benefits are fixed. Contact us if you need more coverage; we’ll find you an insurance solution that fits.
- Does everyone on a Personal Health policy have the same benefits?
Yes. Everyone under couple or family coverage has the same benefits, including Add-on Coverage options.
- I’m moving to a new part of Canada. Do I have to let GMS know?
Yes, you do. (Congrats on your move, by the way!)
Personal Health plan premiums are based on where you live. We’ll tell you if your premium changes with your new address.
Make sure you let us know if you haven’t received provincial health coverage within three months of your move.
Don’t see your question here? Check out our full list of Personal Health insurance FAQs or contact us and we’ll get you an answer.
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Live life your way. We'll be here when you need us.
We make buying health insurance easy – honestly. A few questions and a few clicks will have you on your way to health coverage you can count on.