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Plan Details

ZONE 7 Ultimate

Health Questionnaire Required

ZONE 7 Ultimate is the most robust health insurance plan we offer. It includes prescription drugs, dental care, vision care, extended health care and emergency medical travel protection, with preferred hospital accommodation as an optional benefit. We'll ask you to answer some health questions when you apply for this insurance plan, but we keep it as simple as possible.

  • Health Questionnaire Required

    Your health will be evaluated. If you have medical conditions when you apply, you will receive an offer for coverage that excludes prescription medications that treat your pre-existing medical conditions.

  • Prescription Drugs

    SureHealth plans offer coverage for generic prescription medications that are approved for use in Canada, have a DIN, require a prescription by law and have been prescribed by an authorized medical practitioner. Brand name prescription medications may be covered if no generic equivalent exists. Smoking cessation products and drugs for the treatment of obesity, infertility and erectile dysfunction are not covered.

    Quebec residents must be covered by the RAMQ (Régie de l’assurance maladie du Québec) plan. Prescription drug claims must be submitted to RAMQ first. When RAMQ reimburses a portion of the drug cost, unpaid balances (including co-payments and deductibles) will be co‑ordinated so that you may be reimbursed up to 100% of the eligible expense incurred. If the drug is not covered by RAMQ, the standard co-pay applies.

    Prescription Drugs
    Maximums

    Pays 90% up to $20,000 per person per year

  • Dental Care
    Overall Maximums

    Year 1: $1,000

    Year 2: $1,200

    Year 3+: $1,500 per person per year

    Recall Frequency 6 months
    Basic Services

    Basic Services include coverage towards:

    • Preventive cleaning
    • Routine examinations, x-rays
    • Fillings and extractions
    • Flouride treatment for children

    Year 1: Pays 80%, subject to annual maximum

    Year 2+: Pays 90%, subject to annual maximum

    Comprehensive Basic Services

    Comprehensive Basic Services include coverage towards:

    • Endodontic treatment – root canal therapy
    • Periodontal treatment – scaling and root planing, occlusal adjustment, equilibration
    • Denture repairs, rebasing, relining

    Year 1: Pays 80%, subject to annual maximum

    Year 2+: Pays 90%, subject to annual maximum

    Major Services

    Major Services include coverage towards:

    • Crowns and onlays
    • Dentures
    • Bridgework
    Available in Year 3: Pays 50%, subject to annual maximum
    Orthodontic Services

    Orthodontic Services include coverage towards:

    • Straightening teeth and correcting the bite
    Available in Year 3: Pays 50%, subject to overall annual dental maximum and $2,000 lifetime orthodontics maximum
  • Vision Care
    Prescription eyeglasses, contact lenses, laser eye surgery

    Maximums:

    Year 1-2: $250

    Year 3-4: $300

    Year 5+: $350 per person every 2 years

    Eye Examination

    Maximum:

    $120 per person every 2 years

  • Extended Health Care
    Professional Services / Registered Therapists

    Acupuncturist, Chiropractor, Chiropodist / Podiatrist, Massage Therapist, Naturopath, Osteopath, Physiotherapist

    Maximums:

    $50 per visit

    $750 per person per practitioner

    $2,000 combined per year

     

    Psychologist / Registered Social Worker, Speech Therapist

    Maximum:

    $750 per person per practitioner, per year

    Online Mental Health Therapy Personalized cognitive behavioural therapy delivered digitally (iCBT). The BEACON Standard course includes an assessment and a dedicated therapist who tailors therapy, online exercises and activities, and is reachable via digital messaging on your mobile device. One Standard course (up to 12 weeks) per person per year.
    Accidental Dental

    Maximum:

    $15,000 per person per year

    Ambulance Transportation Includes land and air
    Hearing Aids

    Maximum:

    $600 per person every 4 years

    Medical Services

    Diagnostic tests and x-rays, dialysis equipment, laboratory tests

    Maximum:

    $2,500 per person per year

    Medical Items and Home Support Services (in-home nursing)

    Medical Items include diabetic supplies (like blood glucose monitors and lancets), custom made boots or shoes, custom made foot orthotics, mobility aids (like canes, crutches, walkers, wheelchairs), prosthetics, aids for daily living (like hospital style beds, IV stands, a trapeze, a bedpan), braces, casts, catheters and ostomy supplies, compression stockings, respiratory/cardiology items like breathing and heart monitors for infants, compressors and oxygen.

    Separate maximums for Medical Items and Home Support Services

    Maximums:

    Year 1: $3,000

    Year 2: $5,000

    Year 3+: $8,000 per person per benefit category, per year

     

    CPAP, BIPAP, APAP and/or AMP machines and supplies are eligible for coverage.

  • Travel
    Multi-Trip Emergency Medical Travel Coverage out-of-province or country

    Maximums:

    30 days per trip

    $5,000,000 per person per year

  • Optional benefit pays for the difference in cost between standard ward charges and semi-private and/or private accommodation in a public general hospital in your province/territory of residence.

     

    Maximum:

    Up to 30 days per person per year

What's More

  • Comprehensive coverage for dental care that increases each year for the first three years
  • Vision benefits that increase during the first five years
  • Multi-trip emergency medical travel coverage (up to 30 days per trip)
  • Add optional preferred hospital accommodation to increase your protection even more. It's your choice.
  • No waiting period! Once your application is approved, your coverage will begin on the first day of the following month.
  • Get instant access to your benefits with the GSC pay-direct benefit card.
  • File a claim, review your coverage and locate a nearby health practitioner from anywhere, any time with GSC everywhere online services and the GSC everywhere mobile app.