Guaranteed Issue Health Insurance
Get access to valuable health insurance benefits without the traditional medical underwriting process.
Coverage can help with many everyday and unexpected health-related expenses including prescription drugs, diabetic supplies, vision care, hospital benefits, registered specialists and therapists, ambulance services, medical equipment, mobility aids and more.
Ready to Explore Your Health Insurance Options?
View plan information, available benefits and pricing.
Health Insurance Without Medical Questions
Guaranteed Issue Health Insurance provides an easier path to obtaining supplemental health insurance coverage without medical questions.
Coverage can help with prescription drugs, vision expenses, specialists, therapists, medical equipment and many other eligible health-related expenses.
You are guaranteed to qualify even if you have existing health conditions.
Coverage Includes
Explore the wide range of health insurance benefits available. Benefit amounts, exclusions, limitations and policy provisions may vary.
Prescription Drugs
Generic or brand-name prescription drugs.
Diabetic Supplies
Test strips, syringes and lancets.
Vision Care
Eligible vision care expenses.
Hospital
Eligible hospital-related benefits.
Extended Health Care
Additional extended health care benefits.
Registered Specialists and Therapists
Eligible registered health specialists and therapists.
More Extended Health Care
Additional eligible health-related services.
Accidental Dental
Eligible accidental dental benefits.
Ambulance
Air or ground ambulance â unlimited.
Custom-Made Orthotics
Eligible custom-made orthotic devices.
Fracture Benefits
Benefits for qualifying fractures.
Hearing Aids
Eligible hearing aid expenses.
Homecare and Nursing
Eligible homecare and nursing services.
Medical Equipment, Prosthetics and Supplies
Amount varies by benefit.
Breathing Aids
Eligible breathing assistance equipment.
CPAP and APAP Machines
CPAP, APAP machines and supplies.
Home Oxygen
Eligible home oxygen equipment and supplies.
Hospital Beds
Eligible hospital beds for home use.
Mobility Aids
Eligible mobility assistance equipment.
Crutches, Canes and Walkers
Eligible mobility assistance devices.
Wheelchairs
Eligible wheelchair expenses.
Prosthetics
Eligible prosthetic equipment.
Artificial Body Parts
Artificial body parts such as joints and limbs.
Wigs
Eligible medically required wigs.
Supplies and Accessories
Eligible medical supplies and accessories.
Additional Medical Supplies
Aero chamber, dressings and bandages, ostomy supplies, urinary catheters and kits.
Surgical Stockings and Surgical Bras
Eligible surgical stockings and surgical bras.
Fracture Coverage
Coverage for eligible fractures.
Accidental Death and Dismemberment
Accidental death and dismemberment (AD&D) insurance.
Survivor Benefit
Eligible survivor benefits.
Continued Coverage
Continued coverage with no premiums for 1 year after death of an insured adult.
TELUS Health Virtual Care
Convenient access to TELUS Health Virtual Care where included.
Why Consider Guaranteed Issue Health Insurance?
Guaranteed Issue Health Insurance is designed to make obtaining supplemental health insurance easier for people who may be concerned about their medical history.
â No Medical Questions
No medical questions asked during the guaranteed issue application process.
âĪïļ Existing Health Conditions
You are guaranteed to qualify even if you have existing health conditions.
ð Broad Range of Benefits
Coverage can include prescriptions, vision, hospital, specialists, medical equipment and more.
ðĐš Extended Health Care
Help manage eligible health expenses that may fall outside provincial health coverage.
ð Unexpected Health Expenses
Ambulance, fracture benefits and accidental dental benefits can provide additional financial protection.
ðą Virtual Health Care
TELUS Health Virtual Care may provide additional convenience where included in the applicable plan.
How It Works
Exploring Guaranteed Issue Health Insurance can be straightforward.
Review the Coverage
Explore available prescription, vision, hospital, extended health and medical equipment benefits.
Request Plan Information
Click GET QUOTE NOW to review current plan details, coverage options and pricing.
Choose Your Coverage
Review the insurance policy details and select the option that best suits your needs.
TELUS Health Virtual Care
Where included in the plan, TELUS Health Virtual Care can add convenient digital access to health support alongside your Guaranteed Issue Health Insurance benefits.
Review the applicable insurance plan for exact virtual care availability, services and eligibility.
Health Insurance for People With Existing Health Conditions
Guaranteed Issue Health Insurance can be an option for people who want supplemental health benefits without answering medical questions during the application process.
Provincial health insurance provides important protection, but many everyday health expenses can fall outside provincial health plans. Depending on the policy selected, private health insurance can help with eligible prescription medications, vision care, registered specialists and therapists, medical equipment, mobility aids and other health-related expenses.
Guaranteed Issue Health Insurance is intended to make obtaining supplemental coverage easier. No medical questions are asked for the guaranteed issue insurance described on this page, and you are guaranteed to qualify even if you have existing health conditions, subject to applicable policy eligibility requirements and provisions.
Before purchasing coverage, review the actual insurance contract, including benefit maximums, reimbursement percentages, exclusions, waiting periods, prescription drug provisions and eligibility requirements. The policy contract determines the actual coverage.
Guaranteed Issue Health Insurance FAQ
Common questions about Guaranteed Issue Health Insurance.
Are medical questions required?
No medical questions are asked for the guaranteed issue coverage described on this page.
Can I qualify with existing health conditions?
You are guaranteed to qualify even if you have existing health conditions, subject to applicable policy eligibility requirements and provisions.
Does coverage include prescription drugs?
Coverage can include eligible generic or brand-name prescription drugs according to the applicable plan.
Are diabetic supplies included?
Eligible diabetic supplies can include test strips, syringes and lancets.
Does coverage include vision care?
Eligible vision care benefits can be included according to the applicable plan.
Is ambulance coverage included?
The coverage includes air or ground ambulance â unlimited, subject to applicable policy terms and conditions.
Does the plan include medical equipment?
Eligible equipment can include breathing aids, CPAP and APAP machines and supplies, home oxygen, hospital beds, mobility aids, crutches, canes, walkers, wheelchairs and prosthetics.
Does the plan include TELUS Health Virtual Care?
TELUS Health Virtual Care is included where provided under the applicable insurance policy.
Contact Us
Contact RB Financial for more information about Guaranteed Issue Health Insurance, available coverage options, plan details and quotes.
RB Financial
Robert Bozzo5050 Brandy Lane Court
Mississauga, Ontario
L5M 5A2
Phone:
905-542-7714
Email:
rbfinancial@sympatico.ca
Explore Guaranteed Issue Health Insurance Today
No medical questions asked. You are guaranteed to qualify even if you have existing health conditions. Review your available options and request plan information today.
GET QUOTE NOW â