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SOLO Healthcare

​SOLO Healthcare covers both unexpected and ongoing healthcare costs. It's like having group insurance and is the perfect complement to government health insurance plans.

This versatile insurance can be tailored to every need and budget.

Eligibility

To get SOLO Healthcare coverage, the proposed insured must:

  • Reside in a Canadian province or territory
  • Be covered under their province or territory's health and hospitalization insurance plans
  • Meet the medical underwriting criteria.

If the proposed insured lives in Quebec and wishes to apply for prescription drugs or dental care coverage, they must also:

  • Have group drug coverage through their employer, a professional order or association, or the Régie de l'assurance maladie du Québec (RAMQ)
  • Be a Canadian citizen or permanent resident

SOLO Healthcare is designed for individuals who are not usually covered by a group insurance plan:

  • Self-employed workers
  • Consultants
  • Casual employees
  • Part-time employees
  • Seasonal workers
  • Employees of small businesses

Main features

This product provides coverage according to the guarantees selected:

  • Drug insurance
  • Hospitalization insurance
  • Travel insurance
  • Dental care, including major care
  • Medical and paramedical care
  • Vision care
Issue age (age at last birthday)
  • 18 - 64
  • Children: 0 - 20
Premium

The annual premium for SOLO Healthcare isn't guaranteed and may vary at each anniversary of the contract based on these factors:

  • Age of the proposed insured
    Annual premiums vary by age group:
    • 18 - 44 (In Ontario, the premium also changes at age 25)
    • 45 - 54
    • 55 - 59
    • 60 - 64
  • External factors
    The premium may also vary:
    • If the insured person's province of residence changes, because the coverage is complementary to the provincial health insurance plan and costs vary by province
    • Based on our experience with claims that vary due to factors such as inflation, changes to legislation or to provincial health insurance plans, medical advances that enable the diagnosis of previously undetected conditions, advances in technology that increase the cost of medical equipment or of supplies, increased use of physiotherapy, chiropractic care, massage therapy or the services of other healthcare professionals, etc.
Coverage options
  • Individual: For the primary proposed insured only
  • Couple: For the primary proposed insured and their spouse
  • Family: For the primary proposed insured, their spouse, and their children
  • Single-parent family: For the primary proposed insured and their children
Start of coverage

A SOLO Health insurance policy can only be issued on the 1st or 15th of the month, depending on the day the insurance application is approved.


Day the application is accepted Day the policy is issued
1st to 14th day of the month 1st day of the current month
15th to 28th day of the month 15th day of the current month
29th, 30th or 31st day of the month 1st day of the next month
Coverage period
 Up to age 70
Risk classes
  • Smoker
  • Non-smoker
Policy fee
 None
Payment frequency
  • Annual
  • Monthly
End of coverage

Coverage ends on the first of the following dates:

  • The date the primary insured person turns 70
  • The date the primary insured person dies
  • The date the company receives a written request from the policyowner to terminate the policy

The spouse's coverage ends on the first of the following dates:

  • The date on which the spouse turns 70
  • The date on which the primary insured person turns 70

The coverage of each child, if applicable, ends on the first of the following dates:

  • The date on which the child turns 26
  • The date on which the primary insured person turns 70

Note: Once coverage has ended, the spouse and children may continue to be covered in their name on another policy without providing new evidence of insurability.

Plans offered

COVERAGE CHOICES – ATLANTIC, ONTARIO AND WESTERN PROVINCES. Health Plus Basic Plan. Medical and paramedical services. Vision care. Travel insurance. Complimentary assistance services. PLUS Prescription Drugs Basic Plan, maximum $5,000 PLUS Dental Care Basic Plan. OR Prescription Drugs Enhanced Plan, maximum $10,000 PLUS Dental Care Enhanced Plan. Health Plus Enhanced Plan. Same as Basic Plan with higher reimbursement amounts. Hospitalization. PLUS Prescription Drugs Basic Plan, maximum $5,000 PLUS Dental Care Basic Plan. OR Prescription Drugs Enhanced Plan, maximum $10,000 PLUS Dental Care Enhanced Plan. COVERAGE CHOICES – QUEBEC ONLY. Health Plus Basic Plan. Medical and paramedical services. Vision care. Travel insurance. Complimentary assistance services. PLUS Prescription Drugs Complementary to RAMQ, maximum $10,000. PLUS Dental Care Basic Plan. OR Dental Care Enhanced Plan. Health Plus Enhanced Plan. Same as Basic Plan with higher reimbursement amounts. Hospitalization. PLUS Prescription Drugs Complementary to RAMQ, maximum $10,000. PLUS Dental Care Basic Plan. OR Dental Care Enhanced Plan.

Health Plus plan

1. HEALTH PLUS (BASIC PLAN). No deductible. Medical and paramedical care. Eligible expenses. Healthcare professionals and alternative medicine practitioners such as massage therapists, chiropractors, physiotherapists and homeopaths. Hearing aids, home care, orthotics, medical equipment, transportation by ambulance etc. Diagnostic services such as CT scans or MRIs. Reimbursement of up to $250,000 for all care eceived, during the contract term. Vision care. Reimbursement of up to $150 per period of 24 consecutive months. $50 for consultation with an optometrist. Travel insurance (30 days). Maximum benefit of $5,000,000 per event, per insured person. 2. HEALTH PLUS (ENHANCED PLAN). Same coverage as the basic plan, but with higher allowable reimbursement amounts for eligible medical and paramedical care. Includes hospitalization for semi-private or private room, 100 % of the cost of a semi-private room, unlimited number of days. Reimbursement of up to $350,000 for all care received, for the term of the contract. If the enhanced plan is chosen, a prescription drug option must be added. Complimentary assistance services. For clients and their loved ones, online or by phone: 24/7 phone assistance services. Support from a team who specializes in emergency care and travel assistance before and during their travel. Direct consultation with a doctor to answer their questions and connect with world-renowned specialists to confirm a diagnosis and determine an optimal treatment plan. The assistance services are not a contractual obligation of Desjardins Insurance.

Additional coverages

Prescription drugs. Atlantic, Ontario and Western provinces. Prescription-only generic or brand name drugs. The reimbursement amount is based on the least expensive generic equivalent, if available: Basic plan: Reimbursement of 70% of the first $7,142. Maximum of $5,000 per individual per contractual year. Enhanced plan*: Reimbursement of 70% of the first $4,285 and 90% afterwards. Maximum of $25,000 per individual per contractual year. Enhanced Plan includes some contraceptives (oral contraceptives, patches, injections and Mirena® intrauterine device). Quebec. Eligible prescription drugs* are those which are not reimbursed by the Public Prescription Drug Insurance Plan, including deductible and coinsurance. Reimbursement of 100% of dispensing fees not covered by the RAMQ, including the deductible and coinsurance. Maximum of $10,000 per individual per contractual year. *Generic or brand name drugs that are available by prescription only, including some contraceptives (oral contraceptives, patches, injections and Mirena® intrauterine device). Dental care (available in combination with one of the prescription drug options). Basic plan - Maximum benefit per person per year: $750 for all consultations combined. Preventive services: Reimbursement of 80% of expenses. Includes: Every 36 months: Complete oral examination, complete set of X-rays and panoramic X-rays. Every 9 months: Cleaning (scaling and polishing), topical application of fluoride (for dependants age 15 and younger). Basic care: Reimbursement of 50% of expenses. Includes: Metallic fillings (amalgam restorations), Non-metallic fillings (composite resin restorations), Periodontal curettage and root planning (deep scaling under the gum), Extraction of erupted teeth (without complication), Extraction of residual roots, Emergency care outside Canada. Enhanced plan - Maximum benefit per person per year: $750 per individual for the 1st and 2nd year and $1,000 as soon as the 3rd year for all preventive services and basic care. Preventive services: Reimbursement of 100% of expenses. (Same services as listed under Basic Plan above). Basic care: Reimbursement of 60% of expenses. (Same services as listed under Basic Plan above). Major care: Reimbursement of 60% of expenses. Annual maximum of $500 per individual as soon as the 3rd year. Root canal treatment, Gingival graft, Appliance (occlusal guard) for bruxism (grinding of teeth), Extraction of erupted teeth (with complication), Extraction of unerupted teeth (inside gum, such as a wisdom teeth), Removable prosthodontics, Fixed prosthodontics (bridge), Overlays, veneers, onlays and crowns (including CEREC technology). Comprehensive orthodontic care: Reimbursement of 60% of expenses. Maximum of $1,000 per individual for the term of the contract and as soon as the 3rd year. Hospitalization. Enhanced plan. 100% of the cost of a semi-private room, unlimited number of days. No cash benefit. For more details on the plans offered, please refer to the SOLO Healthcare brochure, available under the Sales Materials tab.

Sales material

To order, complete and submit the marketing supply requisition form.

Client documents