Coverage that helps you pay for everyday health expenses.
Call us for advice or to get a health insurance quote.
1-866-838-7661 Phone number of Desjardins Insurance. This link opens your phone app.
Health insurance, which includes dental insurance, helps pay for everyday and unexpected health expenses, such as prescription drugs and professional healthcare services.
It's a good option if you're self-employed, work part-time or don't have group insurance.
You can use personal health insurance to top up your provincial health plan and pay for expenses that aren't covered under your group insurance.
Depending on the plan and add-ons you choose, this includes:
Such as teeth cleaning, orthodontic treatment and prescription glasses.
Such as services of physiotherapists, osteopaths and psychologists.
Such as prescription drugs, including hormonal contraceptives.
Create a plan that fits your needs and budget.
You can insure your whole family under one policy. 1
Covers you for trips outside your home province.
Choose 1 of 2 plans and tailor it to your needs.
Our basic plan gives you access to most healthcare services.
Our enhanced plan offers the same coverage as the basic plan but with higher reimbursement amounts.
It also includes:
Maximum benefit per person per year.
| Eligible health professionals. | Basic plan | Enhanced plan |
|---|---|---|
| Acupuncturist and massage therapist 2 | Up to $400 for all consultations combined | Up to $600 for all consultations combined |
| Chiropodist | Up to $400 | Up to $600 |
| Chiropractor | Up to $400 | Up to $600 |
| Counsellor 3 | Up to $400 for all consultations combined | Up to $500 for all consultations combined |
| Hearing and speech therapist 2 | Up to $400 for all consultations combined | Up to $500 for all consultations combined |
| Homeopath | Up to $400 | Up to $600 |
| Osteopath | Up to $400 | Up to $600 |
| Orthotherapist | Up to $400 | Up to $600 |
| Podiatrist | Up to $400 | Up to $600 |
| Physiotherapist | Up to $250 | Up to $350 |
| Healthcare covered. | Basic plan | Enhanced plan |
|---|---|---|
| Hospitalization | Not included | 100% of the cost of a semi-private room, unlimited number of days |
Maximum benefit per person per 24 months.
| Healthcare covered. | Basic plan | Enhanced plan |
|---|---|---|
| Prescription glasses, contact lenses, surgery | Up to $150 | Up to $250 |
| Vision exam | Up to $50 | Up to $70 |
Maximum benefit per person.
| Healthcare covered. | Basic plan | Enhanced plan |
|---|---|---|
| First 30 days of a trip 4 | Up to $5,000,000 | Up to $5,000,000 |
See our health insurance document for a complete list of benefits.
Boost your plan with add-ons for prescription drugs and dental care.
This coverage reimburses up to $10,000 per person per year for eligible drug expenses that aren't covered by Quebec's prescription drug insurance plan. External link.
Choose our basic or enhanced plan.
The basic plan covers most preventive and basic dental care.
The enhanced plan offers higher reimbursement amounts than the basic plan. And it covers repair work and orthodontic treatment.
| Healthcare covered | Basic plan | Enhanced plan |
|---|---|---|
| Complete examination and X-rays | 80% every 36 months | 100% every 24 months |
| Recall exam, cleaning and fluoride application | 80% every 9 months | 100% every 6 months |
Choose the one that's right for you:
Health insurance covers you for 1 year and is automatically renewed every year up to your 70th birthday. 5 , 6 You can cancel your policy at any time.
Premiums paid may be considered a deductible expense when calculating your net business income. They may also be eligible for the tax credit for medical expenses.
If you're looking to get help with daily activities or support in difficult times, we're here for you.
Call anytime for advice from a nurse on nutrition, vaccinations, the use of prescriptions drugs and other health matters.
Get a second opinion on a diagnosis from specialist physicians, who will review your medical record and history.
Get help or advice (medical or non-medical) when you travel overseas.
Get a reduced premium when you buy 2 or more eligible insurance coverages at the same time for the same policy.
Our health insurance offers 2 add-ons for dental care:
Our health insurance covers the purchase of prescription glasses.
It also covers other vision care expenses, including eye exams, the purchase of contact lenses and surgery to correct nearsightedness, farsightedness or astigmatism.
Does health insurance cover prescription drugs?
Our health insurance offers an add-on for prescription drugs, covering up to $10,000 per person annually. This includes generic and brand name drugs, and some hormonal contraceptives (oral contraceptives, patches, injections and intrauterine devices).
Does health insurance cover over-the-counter drugs?
No, over-the-counter drugs aren't covered by our health insurance. But you can be reimbursed for certain prescription drugs.
Is health insurance tax deductible?
Yes. If you're a self-employed worker or business owner, your premiums can be deducted when calculating your net business income for tax purposes.
If you're an employee, your premiums are considered medical expenses eligible for a tax credit.
Monday to Friday: 9 AM to 5 PM
We can also call you when it's convenient.
Insurance that protects you financially if you're diagnosed with an illness that's covered by your policy.
Life insurance and living benefits products are manufactured by Desjardins Financial Security Life Assurance Company.
The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails. Certain conditions, exclusions and limitations may apply. To be eligible for health insurance, you must have group drug coverage through an employer, a membership in an order or association or, if not, through RAMQ. To be eligible for health insurance, you and your spouse must be between the ages of 18 and 64, and your children must be under the age of 21, single and unemployed. For basic plan only: referral required for reimbursement of massage therapy and speech therapy expenses. Guidance counsellor, psychiatrist, psychologist, couples therapist, family therapist or social worker. Travel insurance is valid for 90 days per year. Your spouse's coverage ends on the first of the following events: your spouse's 70th birthday or your 70th birthday. Your children's coverage ends on the first of the following events: your child's 26th birthday or your 70th birthday.
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