Sun Life 永明健康与牙医保险

Sun Life Replacement Health Insurance

永明Sun Life 个人健康保险计划

永明金融集团（Sun Life Financial）是加拿大最大的保险提供商之一，为加拿大公众所熟知，通常是雇主团体保险的主要提供商。他们的延伸健康保险计划为因退休或其他工作状态变化而在工作中最近失去团体保险的个人或家庭提供补充健康（和牙科）保险。而个人健康保险计划则让您的退休生活和/或自雇人士高枕无忧，再也不必担心高额的医疗费用或被误诊的可能。

选择Sun Life永明保险的延伸或个人健康保险计划的另一个主要好处是，所有Sun Life的健康和牙科保险计划都可以访问Best Doctors推荐服务，这是一个国际医疗专家网络，旨在为有需要的人获得正确的诊断和治疗，帮助他们显著改善健康状况。对于Sun Life的客户，可以帮助他们进行专家诊断，推荐治疗方案选项，并提供最好的后期护理，以帮助您在重大医疗挫折后的最佳康复。

个人健康保险选择计划(Health Coverage Choice - Replacement Coverage更换计划)

Sun Life 永明保险的个人健康保险是专门为离开公司，团体延伸健康保险计划终止的人士和家庭的需要而设计，共有五种计划可供选择：其中三种有覆盖牙医保险，两种没有。只要您在团体雇主计划涵盖的90天内提出申请，就无需申请医疗问卷。使用BestQuote可以轻松获取Sun Life计划的报价。一旦填写完报价申请表并提交，您将立即看到Sun Life计划及其月度价格，以及其他公司的其他类似计划（GMS，Manulife等）。

然后，您可以通过单击绿色的“比较策略”标签来选择查看计划比较（在所有列出的公司之间）。可以通过BestQuote在线完成任何更换计划（Replacement Coverage) 的注册，我们强烈建议您致电1-888-888-0510与我们联系，讨论各种计划的差异，让我们为您和您的家人提供一个最佳的选择。

以下是Sunlife的三个更换计划的计划详细信息差异供您参考：

Plan Details		Health and dental choice A	Health choice B	Health choice C
Prescription drugs	All 3 plans include: Pay Direct drug card No deductible Smoking cessation medication ($250 lifetime maximum)	80% reimbursement $400 annual maximum Up to $5.00 paid towards dispensing fee on prescriptions	80% reimbursement $1,000 annual maximum Full coverage of reasonable and customary dispensing fees up to the plan reimbursement	80% reimbursement $2,000 annual maximum Full coverage of reasonable and customary dispensing fees up to the plan reimbursement
Supplemental Health Care	Reimbursement	80% reimbursement	100% reimbursement	100% reimbursement
	Hearing aids	$300 maximum every 5 years	$350 maximum every 5 years	$500 maximum every 5 years
	Accidental dental	$2,000 per fracture or injury	$5,000 lifetime maximum
	Ambulance	Ground ambulance service No coverage for air ambulance	Ground ambulance service No coverage for air ambulance	Ground ambulance service Air ambulance $5,000 maximum per incident
	In-home nursing 1	$2,500 annual maximum and a $20,000 lifetime maximum combined with medical equipment and services	$5,000 annual maximum and a $25,000 lifetime maximum
Medical equipment and services		Medical equipment and services have a $2,500 annual maximum and a $20,000 lifetime maximum combined with in-home nursing	Medical equipment and services have a $2,500 annual maximum	Medical equipment and services have a $5,000 annual maximum
	Orthopedic shoes	$150 annual maximum	$200 annual maximum
	Blood glucose monitor	$150 every 5 years	$250 every 5 years	$300 every 5 years
	Medically necessary wigs and hair pieces	$100 annual maximum	$350 lifetime maximum	$500 lifetime maximum
	Wheelchairs, walkers and traction kits	$1,000 lifetime maximum	$4,000 lifetime maximum
	Hospital bed, oxygen	Reasonable and customary services and charges	$1,500 lifetime maximum for hospital beds
	Casts, crutches	Reasonable and customary services and charges	$300 annual maximum	$500 annual maximum
	Prosthetic appliances (eg. artificial limbs)	Reasonable and customary services and charges	Reasonable and customary services and charges Breast prosthesis: $200 annual maximum
Vision care	Vision care includes coverage for: Prescription eye glasses Prescription contact lenses Prescription sunglasses Laser eye surgery	100% reimbursement $150 maximum every 2 years, including $50 maximum per eye exam		100% reimbursement $200 maximum every 2 years, including $50 maximum per eye exam
Paramedical Practitioners	Paramedical practitioners include: Chiropractors, including 1 x-ray examination per calendar year Registered massage therapists Naturopaths and acupuncturists Osteopaths, including 1 x-ray examination per calendar year Physiotherapists Podiatrists or chiropodists, including 1 x-ray examination per calendar year Speech language pathologists	80% reimbursement $25 maximum per visit Up to $250 per year, per practitioner Psychologist: $50 per visit maximum up to $250 per year	100% reimbursement No per visit maximum $300 per year for each practitioner and combined maximum up to $500 per calendar year Psychologist: $60 per visit up to 7 visits per year	100% reimbursement No per visit maximum $300 per year for each practitioner and combined maximum up to $650 per calendar year Psychologist: $60 per visit up to 10 visits per year
Semi-private hospital room		50% reimbursement $5,000 annual maximum	$175 daily maximum 85% reimbursement $5,000 annual maximum Convalescent hospital: $20 per day up to 180 days per incident	$200 daily maximum 85% reimbursement $5,000 annual maximum Convalescent hospital: $20 per day up to 180 days per incident
$	Combined lifetime maximum for above expenses	$250,000 lifetime maximum		$300,000 lifetime maximum
Emergency travel medical		No coverage	100% reimbursement $1 million lifetime maximum Coverage provided for the first 60 days of a trip Covers travel outside of your province or outside of Canada Available until the age of 80 If you have a pre-existing medical condition where symptoms have appeared or required medical attention, hospitalization or treatment (this includes changes in medication or dosage), and existed during the 9 months before your trip, expenses related to this condition are not included
Dental	To be eligible for dental coverage, everyone on the application must have had dental coverage through your group benefits plan
		Included	Optional
	Preventive Services include: Examinations and diagnosis Tests, x-rays, and lab exams White fillings Scaling and extractions Eecall visits every 9 months Minor emergency treatment	80% reimbursement $700 annual maximum	80% reimbursement $700 annual maximum combined with restorative	80% reimbursement Year 1: $750 annual maximum Year 2+: $1,000 annual maximum combined with restorative
	Restorative Services include: Endodontics Oral surgery Onlays Dentures (and repairs) Periodontics Crowns Bridges	No coverage	50% reimbursement $700 annual maximum combined with preventive 1 year waiting period before coverage begins	50% reimbursement $1,000 annual maximum combined with preventive 1 year waiting period before coverage begins

Sun Life 永明个人健康保险

如果离开您的上一份雇主计划已经超过了90天，怎么办？不用着急，Sun Life还提供了五种个人健康计划供您选择。他们的基本计划（Basic plan）是最实惠的计划，但是您需要仔细查看提供的福利，以了解与他们的标准计划（Standard plan）或增强计划（Enhanced plan）（通常是有或没有牙科保险）相比，该计划是否合适。同样，一旦您通过BestQuote在线获得报价，就可以轻松进行不同计划的比较：您可以通过单击“比较Compare”链接来查找所有Sun Life计划的比较，或者可以比较所有公司计划的收益水平（即与Manulife 和GMS计划逐项对比），方法是点击“比较策略Compare Policies ”标签。

Sun Life健康保险计划提供了免费使用哈佛的最佳医生服务Best Doctor计划

通过使用Sun Life 永明金融提供的个人健康保险（或重大疾病保险），您可以免费使用Best Doctors —一个起源于哈佛医学院的国际医生网络，可以帮助您了解您的医疗状况和最佳治疗选择。当您被医生诊断出患有某些不确定的疾病时，而您希望得到更多的医疗专家意见，Sun Life个人健康保险会通过Best Doctors提供服务，这个组织能够在北美寻找到针对您的实际情况，最有经验的专家医生会诊，为您提供诊断最权威的医疗报告和治疗建议，以使您对诊断和治疗选择充满足够的信心；回答您的医疗问题和任何疑虑；在加拿大境内或境外找到专家或治疗机构；通过宝贵的有用资源浏览加拿大的医疗体系。

最佳医生计划Best Doctors可帮助您自信地做出重大的医疗决定。他们提供了与顶尖医学专家的联系，因此，您可以拥有正确的诊断和治疗计划，从而使您感到更加安全。他们可以帮助您获得有关医疗问题的最新答案。无论您是面对慢性疾病，质疑手术还是面临危及生命的疾病，这都是保险范围的重要一部分。最好的医生Best Doctors 可以在正确的方向上指导您和您的家人，让您更加安心和确定，知道您已经获得了业内最好的咨询。能够做出明智的决定是Best Doctors的宗旨，这是通过Sun Life Financial承保的标准利益。

单击此处以获取有关Best Doctors的更多信息，包括其独立的私人医疗保险。