Protect Your Health While Building Your Business
Provincial healthcare covers basic medical services, but it doesn’t include prescription drugs, dental care, vision, or paramedical services. If you're self-employed, private health and dental insurance helps fill that gap — offering coverage similar to workplace benefits.
- Manulife – Flexcare® &FollowMe™ Plans
- Flexcare®: Customizable plans for individuals and families.
- Covers prescription drugs, dental, vision, paramedical services.
- Optional add-ons for travel and catastrophic coverage.
- Manulife Vitality rewards for healthy living.
- FollowMe™: Guaranteed acceptance if you’ve lost group benefits.
- No medical questions at enrollment.
- Ideal for transitioning entrepreneurs or retirees.
- Canada Life – Freedom to Choose™
- Designed for freelancers, sole proprietors, and consultants.
- Offers similar coverage to workplace plans.
- Includes dental, prescription drugs, vision, paramedical, and travel.
- Stable premiums and flexible plan levels.
- Easy online enrollment and quote tools.
- Canada Life – Freedom to Choose™
- Designed for freelancers, sole proprietors, and consultants.
- Offers similar coverage to workplace plans.
- Includes dental, prescription drugs, vision, paramedical, and travel.
- Stable premiums and flexible plan levels.
- Easy online enrollment and quote tools.
- iA Financial Group – Individual Health & Group Options
- Strong coverage for extended health, dental, and vision.
- Paramedical benefits up to $2,000/year.
- Dental coverage up to $2,400/year (basic) and $3,400 lifetime (orthodontics)
- Preventive care, wellness support, and travel insurance included.
- Ideal for self-employed professionals or small teams.
What These Plans Typically Cover
- Prescription medications.
- Dental care (cleanings, fillings, major procedures).
- Vision care (eye exams, glasses, contacts).
- Paramedical services (physiotherapy, massage, chiropractic).
- Mental health support (psychologists, counselling).
- Emergency travel medical coverage.
Who Should Consider These Plans?
- Freelancers, consultants, and sole proprietors.
- Small business owners without group benefits.
- Medical professionals and independent contractors.
- Entrepreneurs transitioning from employment.
Advisor Tip from Guriqbal Singh
"Health coverage isn’t just a safety net — it’s a strategic investment in your productivity, peace of mind, and business continuity. I help clients choose plans that protect their well-being while supporting long-term growth."