Outpatient Protection

Choose Accident and/or Sickness - Covers ANY Outpatient Surgery!

Even if you are NEVER admitted to a hospital - you may need help paying for unexpected expenses and every day bills.

What are the Benefits of owning a plan like this?

Up to $4000 per year lump sum payout

Outpatient Surgery

Lump sum payout for any outpatient surgery UP TO $1000 per Surgery!

Coverage 24/7
Canada & U.S.

You are covered at work, at home at play and anywhere in between - in Canada and or the United States.

Rehabilitative Therapy

Up to 20 visits for speech, physical or occupational therapy benefit for each accident or sickness.

Own the policy until 85 years old

Unlike, Group Insurance, you "own" this policy until you are 85 years old.

Pays in addition to any other benefits

It doesn't matter if you have Worker's Compensation, group benefits or any government employment insurance, these benefits pay in addition.

Premiums cannot be increased

Your premium cannot be cancelled or increased due to the number of claims you make.

Family Plans increase savings

Whether you have 2 kids or 10, the premium stays the same and every child born into the family is grandfathered in at no extra cost

Surgery can be performed in clinic

You do not have to have surgery in a hospital. It can be performed in a clinic.

Medical Appliance Reimbursement

Reimbursement for the purchase or rental of any medical appliance, like ventilators, crutches, wheelchairs etc.


Most frequent questions and answers

You can own an individual policy between the ages of 6 months and 69 years old.  When getting a family plan, the children need to be between 15 days old and less than 18 years old.  Children born into a family plan are “grandfathered” in.

You must be a Canadian citizen or landed immigrant who maintains a permanent residence in Canada. You must read and speak English or French, and  be between 18 years and 69 years.

At the age of 25 years a child in the family plan will be able to convert their plan to an individual plan. 

No.  The company cannot increase your premium due to the number of claims you file. 

The policy terminates at age 85. 

Outpatient Surgery – you will be paid up to $1000 per surgery if you or a family member * requires Outpatient Surgery 


Rehabilitative Therapy – (up to 20 visits per accident or sickness)  You will be paid up to $800 for your doctor prescribed rehabilitative therapy.  This includes physical, speech or occupational therapy treatments.  


Medical Appliance Reimbursement – We will reimburse you cash up to $200 for the purchase or rental of medical appliances like ventilators, crutches, wheelchairs, walkers, nebulizers etc if prescribed by a doctor. 



Premiums are based on the benefit selected at time of application as well as whether it is an Individual or a Family plan.    Sickness coverage will be dependent on Health status and Age as well as height and weight. 

Yes, participating in any sport or occupation does not exclude you from the protection provided by the features of this plan. 

Pre authorized withdrawal from a checking account is set up during the application process for the initial premium which comes out within 3 – 5 days of application submission and the recurring premium which comes out on the selected preferred billing date. 

We are here to support you for the lifetime of you owning policies with us!