Optional Benefits
PlanDirect’s coverage plans offer you flexibility by providing different levels of healthcare coverage. You can further tailor your coverage to suit your needs with our optional benefits, designed to help you build the PlanDirect plan that is best for you.
Adding Optional Benefits
Eligibility – You’re eligible to apply for these optional benefits if you’re covered under a PlanDirect plan. Your spouse and children must be covered under your PlanDirect plan to be eligible for the optional benefits.
How to apply – When you apply for PlanDirect plan coverage, select the optional benefits on the application. Make sure you select the Optional Hospital Cash or Major Dental Services and Supplies Benefit when you apply for PlanDirect coverage, because you won’t be able to add them after the policy is inforce.
Cost – Your rate depends on the province in which you live and whether you cover only yourself, you and your spouse or your whole family. Visit our Coverage Cost page to calculate what your premium cost might be when you include optional benefits.
Important Information
The information on this site provides a brief description of some of the optional coverage features available with a PlanDirect contract. It is not a contract. Actual terms and conditions are set out in the policy we issue when the application is approved. The policy contains important definitions and information concerning terms, conditions, limitations, exceptions and exclusions. Read it carefully.
For more information about PlanDirect plans and optional benefits, contact your financial security advisor. If you don’t have one, contact us and we’ll help you find an advisor in your area.
You could be faced with potentially high medical care costs if you have a medical emergency while travelling outside Canada. The Emergency Travel Medical Benefit can help protect you against these costs, and offers you the convenience of having one less arrangement to make each time you travel.
The Accidental Death, Dismemberment and Specific Loss benefit provides you with added financial security if you or your dependants are faced with death or injury due to an accident. You can select the level of coverage you feel you need for added security.
If you’re faced with an extended hospital stay, the Hospital Cash Benefit can help make your stay as comfortable as possible. You can use the cash payment to offset costs such as a television in your room, parking, cafeteria costs, babysitting expenses for your family, or whatever you wish.
If you choose Advantage or Comprehensive Plan coverage, you are covered for routine dental services and supplies. These routine services, however, may not meet all your needs. You can add the Major Dental Services and Supplies Benefit to your Advantage or Comprehensive Plan coverage at the time you purchase your PlanDirect plan, if you had similar prior coverage.
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