PlanDirect Guaranteed Acceptance

Do you have group benefits plan coverage that you’re losing because you are retiring or leaving your job?

If so, you may qualify for automatic acceptance for a PlanDirect plan, without providing medical evidence of insurability, on a guaranteed rate basis if you meet the following conditions:

• You’ve been covered under a group health and dental plan for at least 6 months
• You’re covered by the government plan in your province or territory of residence
• You’re between the ages of 50 and 75
• You apply for PlanDirect within 60 days of losing your group coverage

Depending on the coverage your group benefits plan had, you may automatically qualify for the following PlanDirect plans:

• Health coverage only: Value, Basic or Advantage plans
• Health and dental coverage: Value, Basic, Advantage or Comprehensive plans
• Health and dental coverage, including major restorative: Value, Basic, Advantage, Comprehensive or Premier plans (all plans)

To find out more about each of the PlanDirect plans we offer, go to Plan Designs.

Guaranteed acceptance premiums

We encourage you to complete the Medical and Lifestyle Questionnaire in the PlanDirect application form, as you may qualify for Preferred or Preferred Plus rates. Your eligibility for Preferred or Preferred Plus rates is based on our review of your and your family's medical history for underwriting purposes.

If you qualify for automatic acceptance, but you do not qualify for coverage with Preferred or Preferred Plus rates, you are still eligible for PlanDirect coverage, but on a guaranteed rate basis.

For a quote on a Preferred or Preferred Plus rate basis, use the PlanDirect Calculator.