Health and dental coverage beyond the basics.
Tell us what kind of health and dental expenses you want help covering. A HIFA broker can help you compare available options.
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WHAT IT CAN HELP COVER
Everyday health expenses can add up.
Prescription Drugs
Eligible prescription medication, depending on the plan and any drug formulary.
Dental Care
Routine and other eligible dental treatment, at the levels the plan provides.
Vision Care
Eye exams, glasses or contacts, usually up to a set allowance.
Paramedical Services
Physiotherapy, massage, chiropractic and similar services, subject to plan limits.
Medical Equipment
Eligible equipment and supplies, where the plan includes them.
Travel and Emergency Benefits
Emergency medical coverage while travelling may be included, depending on the plan.
What a plan actually includes varies by insurer and plan design. A broker can confirm the details before you enrol.
COMMON PLAN FEATURES
What to compare between plans.
Annual maximums
Deductibles
Co-insurance
Drug coverage
Dental coverage levels
Vision allowances
Paramedical limits
Waiting periods where applicable
Individual or family coverage
WHAT AFFECTS THE COST
What insurers look at.
Age
Individual or family plan
Coverage level
Drug benefits
Dental benefits
Optional features
Deductibles
Plan design
Existing coverage
BEFORE YOU QUOTE
What we’ll ask you.
01
Who needs coverage?
02
Are you looking for individual or family coverage?
03
What health expenses matter most to you?
04
Do you need prescription drug coverage?
05
What dental coverage are you looking for?
06
Do you already have benefits through work or another plan?
WHEN TO REVIEW
Times to review your coverage.
Losing workplace benefits
Coverage that ends with a job often needs replacing.
Becoming self-employed
Benefits are yours to arrange once you work for yourself.
Retiring
Group coverage frequently ends at retirement.
Getting married
Two plans can often be reviewed together.
Having children
A family plan may cover more of what you use.
Changing jobs
New benefits may cover more, or less, than the old ones.
Existing coverage ending
A plan reaching its term is worth reviewing early.
Household needs changing
What you claim for shifts over time.
WHY HIFA
Compare the plan, not just the premium.
WE LOOK AT THE BENEFITS
What a plan actually pays for matters more than the monthly figure.
WE EXPLAIN THE LIMITS
Maximums, deductibles and waiting periods all change what you get back.
WE HELP YOU COMPARE OPTIONS
A broker can walk through the available plans with you.
Common questions
Health and dental questions.
What can private health and dental insurance cover?
Can I get coverage if I’m self-employed?
Can I get coverage after workplace benefits end?
Are prescription drugs covered?
Is dental coverage included?
Can I cover my family?
READY TO COMPARE?
Let’s compare health and dental options.
Tell us what you want help covering. A HIFA broker can walk you through the available plans.
Want to talk now?