Sun Life Dental Insurance

Get the best health and dental insurance premium in seconds.

Sun Life Dental Insurance: is this a good idea for you?

By subscribing to Sun Life personal health insurance and Sun Life Dental Insurance, you will be able to benefit from several medical and dental care services.

Do you often have tooth problems and have to go to the dentist often?

The problem that arises most of the time is that you will need to pay a lot of money to have yourself examined by the specialist. 

In fact, subscribing to dental insurance with SunLife allows you to benefit from partial or complete coverage, regardless of the type of protection you need.

Specifically, these are medical expenses, dental expenses and other health care expenses that are not covered or not fully covered by the provincial plan or your employer's plan.

 

Sun Life: a renowned insurance company in Quebec

Sun Life is a well-known insurance company in Quebec because of its reliability. Its expertise means that it now has a good number of insurance covers.

Among these insurance coverages, we can cite: disability insurance, health insurance, critical illness insurance, life insurance, dental insurance, etc. Sun Life is known as one of the most popular insurance companies in Quebec, due to its extensive insurance offering.

Sun Life is known for being part of a group that has more than a million agents around the world.

 

What is Sun Life Personal Health Insurance?

You've heard a lot of people talk about insurance personal health Sun Life, but what exactly is it? Does it cover the same things as regular insurance? Will this protect me if I have an accident? Will this even cover all of my dentist's expenses?

Personal health insurance has 3 possible plans: the basic plan, the standard plan and the enhanced plan. These are plans which, at different levels of coverage, take into account Sun Life dental insurance.  

You should consider personal health insurance if:

  • your employer does not provide you with health and health insurance
  • at work, you will soon be without your collective guarantees
  • Let's say you would like to benefit from other benefits that are not offered by your employer's plan. or through your provincial health insurance plan.

Sun Life dental insurance is essentially a package of regular health benefits that are sold in conjunction with a major insurer or health care provider. You can consult the website of the Sun life for a complete description of what the dental plan covers.

When you purchase your Sun Life personal health insurance plan, you pay regular monthly payments that depend on the level of the plan purchased. This ensures that you are fully covered in the event of a dental incident for which you may choose to make a claim.  

 

Sun Life supplemental health insurance

Sun Life is an insurance company that offers supplemental health insurance to supplement the basic health coverage offered by public health insurance. Sun Life extended health insurance can help cover health care costs not covered by public health insurance, such as dental care, vision care, prescription drugs, alternative and complementary therapies , etc.

Sun Life's supplemental health insurance plans are tailored to the needs of each individual or business. Plans may include benefits such as prescription drug coverage, vision care coverage, dental coverage, alternative and complementary therapy coverage, and more. Insurance premiums are based on age, location and the level of coverage chosen.

Sun Life also offers a health management program called Lumino Health. The program offers online health services and resources to help policyholders manage their health, including diet and exercise advice, mental health counseling, and more.

In short, Sun Life supplemental health insurance can provide additional financial protection if you need health care that is not covered by public health insurance. However, it is important to understand the coverage limitations and exclusions before purchasing an insurance contract.

 

What are the benefits of purchasing Sun Life dental insurance?

The main advantage of subscribing to Sun Life dental insurance is that you will be able to benefit from several coverages for your dental insurance.

  • You will indeed be able to have at your disposal an interesting basic cover, in addition to other types of cover which can go as far as reimbursement of all of your dental costs.
  • By subscribing to Sun Life dental insurance, you will be able to benefit from high guarantees, in addition to dental insurance at affordable prices.
  • Another advantage that you can enjoy with Sun Life is a customer area made available to you, which can allow you to manage your claims and your insurance policies.

In addition, you will be able to benefit from dental insurance for yourself, but also for your children and your spouse.

 

How does Sun Life insurance work?

Sun Life Assurance is an insurance company that offers different types of coverage, including personal health insurance. How Sun Life health insurance works depends on the type of coverage you choose. However, here is some general information about how Sun Life health insurance works:

  1. Applying: You can apply for Sun Life health insurance by completing an online application or by contacting an advisor. You will need to provide information about your current health, medical history and lifestyle.
  2. Premiums: You will need to pay regular premiums to keep your coverage in force. Premiums may vary depending on your age, health and the type of coverage you have chosen.
  3. Coverage: Depending on the type of coverage you choose, you may be eligible for reimbursements for medical expenses such as doctor's visits, prescription drugs, medical exams, and dental and vision care.
  4. Claims: To receive reimbursement, you must submit a reimbursement request providing invoices and receipts for your medical expenses. Sun Life will then process your reimbursement request and send you a check or direct deposit for the eligible amount.
  5. Limitations and Exclusions: It is important to understand the limitations and exclusions of your coverage to avoid surprises. For example, some coverages may not include preventive care, long-term care, or certain specific treatments. It is important to read the insurance policy carefully to understand the limitations and exclusions of your coverage.

In summary, Sun Life health insurance works by providing financial coverage for eligible medical expenses in exchange for paying regular premiums. It's important to understand the details of your coverage to know what's included and excluded.

 

Types of health and dental insurance plans: basic, standard and enhanced

Sun Life Insurance offers three types of health and dental insurance plans: basic, standard and enhanced. Here is an overview of each type of diet:

  1. Basic Plan: This plan provides basic health care coverage, such as doctor visits, basic dental care, vision exams and prescription drugs. It may also include protection in the event of hospitalization and treatment in the event of serious illness. See the cover, example of contract.
  2. Standard Plan: This plan offers broader coverage than the basic plan, including specialized health care such as vision care and advanced dental care. It may also include overseas healthcare protection and life insurance. See the cover, example of contract.
  3. Enhanced Plan: This plan offers the most comprehensive health and dental coverage, including mental health care, vision care and advanced dental care. It may also include overseas healthcare protection, life insurance and disability insurance. See the cover, example of contract.

It is important to note that the details of each plan may vary depending on the province you reside in and the options you choose. It is therefore important to review the details of each plan to determine which one best suits your needs and budget.

 

What is the coverage for Sun life dental insurance?

Here is some information on the reimbursement level.  

Sun Life Preventative Dental Care

  • Reimbursement of 80% of fees
  • Maximum of $700 per year
  • Periodic examinations every 9 months

Preventative dental care includes the following:

  • Examinations and diagnostics
  • Tests, x-rays and laboratory analyzes
  • Space maintaining devices, for children under 12 years old
  • Fillings made from aesthetic materials
  • Scaling and minor extractions
  • Sealing of wells and cracks, for people under 19 years old\\

Dental care following an accident

  • Reimbursement of 80% of fees
  • Maximum of $2 per fracture or accidental injury or damage, per person

 

Sun Life Vision Care

Sun Life Vision Care Insurance is supplemental insurance that provides coverage for costs associated with vision care, such as eye exams, glasses, contact lenses, corrective surgeries and other services.

Sun Life vision insurance coverage may vary depending on the plan chosen and individual needs. Generally, coverage may include:

  • Eye exams: This coverage can include regular eye exams, as well as eye exams for children, people with eye diseases, and seniors.
  • Eyeglasses: This coverage may include the cost of frames, lenses, contact lenses and other accessories needed to correct vision.
  • Corrective Surgery: This coverage may include costs associated with LASIK, PRK, and other surgical procedures to correct vision.

It is important to note that the coverage offered by Sun Life vision care insurance may vary depending on the plan chosen and the coverage limits established. Policyholders should check with their insurance broker or Sun Life for coverage details.

In summary, Sun Life vision insurance can help cover the costs associated with vision care, providing additional financial protection for health care that is not covered by public health insurance.

 

How much does Sun Life personal health insurance cost?

The cost of Sun Life personal health insurance depends on several factors, such as age, gender, location, lifestyle, medical history and the level of coverage chosen. Premiums may also vary depending on coverage limits and exclusions.

In general, Sun Life personal health insurance premiums are based on the group insurance principle, which means that premiums are determined based on the risk associated with a group of insureds. The higher the risk, the higher the insurance premiums will be.

Premiums for Sun Life personal health insurance can be paid monthly, quarterly, semi-annually or annually. It's important to note that premiums can increase with age and medical history, and exclusions and coverage limits can also affect cost.

In short, the cost of personal health insurance from Sun Life depends on several factors, and it is important to speak to an insurance broker or contact Sun Life directly to obtain a personalized premium estimate.

 

How to sign up for Sun Life personal health insurance?

To have access to the best personalized dental insurance quotes from banks and insurers, you can use our free online Insurance Price service: Calculate the Dental Insurance premium.

To apply for Sun Life personal health insurance, you can follow the following steps:

  1. Evaluate your personal health insurance needs and determine what type of coverage would best suit your situation.
  2. Visit the Sun Life Insurance website and use the product comparison tool to find the best personal health insurance option for you.
  3. Once you have chosen the product that is best for you, you can complete an application online or contact a Sun Life advisor for assistance completing the application.
  4. You will need to provide basic information about your current health, medical history and lifestyle.
  5. After completing the application, you may be required to complete a medical evaluation, depending on the coverage you have chosen.
  6. Once your application is approved, you will receive a personal health insurance policy from Sun Life Assurance. It is important to read the policy carefully to understand the limitations and exclusions of your coverage.
  7. You will then need to pay premiums regularly to keep your coverage in force.

Remember that everyone has different needs when it comes to personal health insurance. Before purchasing insurance, it is important to understand the different coverage options and take the time to choose the product that best suits your needs.

 

What is the scope of insurance services at Sun Life?

Sun Life is an insurance company that offers a wide range of insurance services, including:

  1. Life Insurance: Sun Life offers a variety of life insurance products, including term, permanent and universal insurance, as well as guaranteed rate life insurance products.
  2. Health Insurance: Sun Life offers supplemental health insurance that can help cover health care costs that aren't covered by public health insurance. This insurance can include benefits such as prescription drug coverage, vision care coverage, dental coverage, alternative and complementary therapy coverage, and more.
  3. Disability insurance: Sun Life offers disability insurance that can help replace a portion of an individual's income in the event of a disability that prevents them from working.
  4. Travel Insurance: Sun Life offers travel insurance that can help cover costs associated with health care and medical emergencies while traveling.
  5. Group Insurance: Sun Life offers group insurance products for employers, including health and disability insurance plans, as well as group retirement plans.
  6. Auto and Home Insurance: Sun Life also offers auto and home insurance products.

In short, Sun Life offers a complete range of insurance products to meet the needs of its clients. Insurance products may vary depending on the country and region you are located in, and it is important to check with your insurance broker or contact Sun Life directly for specific information on available products.

 

How do I make a dental claim with Sun Life?

You can request a Dental Insurance payment online, by telephone, by mail or directly from the dentist. Online, meeting on mysunlife.ca for:

  • Submit your claims online (for dental, vision and paramedical services).
  • Request that payments be transferred directly to your bank account.
  • Print your claim forms1.
  • View your coverage information and claims history.
  • Check if a medication is reimbursable (Health Protection Choice only)2.

By phone at 1-877-SUN-LIFE (1-877-786-5433). You will need your contract number and access code.

By mail: Mail your completed form, along with original receipts, to the nearest claims office: Sun Life Assurance Company of Canada CP 11658 Succ CV Montréal QC H3C 6C1 Sun Life Assurance Company of Canada CP 2010 Waterloo Branch Waterloo ON N2J 0A6

At the dentist Your dentist may be able to submit your reimbursement request to Sun Life dental insurance. To do this, you must present your Sun Life personal health insurance card.  

 

How do I contact Sun Life dental insurance?

  • By telephone: 1-800-361-6212
  • Email (for all administrative matters): Can_AssocETAffinite@sunlife.ca 
  • Chat via the dedicated customer area: In the customer area accessible via the Sun Life dental insurance website
  • Postal mail, Sun Life dental address: Sun Life Assurance Company of Canada CP 11658 Succ CV Montréal QC H3C 6C1

 

Our opinion on Sun Life “Dental Insurance” solutions

Sun Life dental insurance is a supplemental insurance product that can help cover the costs of dental care that are not covered by public health insurance. Here is our opinion on Sun Life’s “Dental Insurance” solutions:

Advantage:

  1. Dental coverage: Sun Life dental insurance can help cover the costs of dental care such as oral exams, dental cleanings, fillings, extractions, crowns and bridges, dentures, dental implants, and more.
  2. Choice of Plans: Sun Life offers a variety of dental insurance plans that can be customized to meet individual and family needs. Plans may vary based on coverage, benefit amounts, limits and premiums.
  3. Tax savings: Sun Life dental insurance premiums may be tax deductible for individuals and self-employed individuals, which can help reduce dental care costs.
  4. Access to a network of dentists: Sun Life customers may have access to a network of dentists who have agreed to charge reasonable fees for dental care covered by Sun Life dental insurance.

Disadvantages:

  1. Costs: Sun Life dental insurance premiums can be relatively high, especially for plans with more comprehensive coverage.
  2. Coverage Limits: Sun Life dental insurance plans may have coverage limits for certain types of dental care, which may limit policyholders' ability to get the care they need.

In summary, Sun Life dental insurance can provide additional financial protection for dental care that is not covered by public health insurance. However, it is important to consider costs and coverage limits before purchasing dental insurance from Sun Life. It is also important to check coverage details with your insurance broker or contact Sun Life directly for personalized information on available plans.

Get the best health and dental insurance premium in seconds.