Insurance / Health and Dental
Health and Dental Insurance for Individuals and Families
OHIP doesn’t pay for everything. A personal health and dental plan helps cover prescriptions, dental care, vision, therapies and more, whether you are self-employed, between jobs or retiring.
If you don’t have benefits through work, everyday health costs come straight out of your pocket. A personal plan spreads those costs out and protects you from big bills, and many plans can be started without a medical questionnaire.
What a health and dental plan can cover
Prescription drugs
Help paying for medicines not covered by OHIP or OHIP+.
Dental care
Check-ups, cleanings, fillings and, on higher plans, major dental work.
Vision care
Eye exams, glasses and contact lenses.
Paramedical services
Physiotherapy, chiropractic care, massage therapy and psychology.
Hospital and medical
Semi-private rooms, ambulance, medical equipment and supplies.
Who needs personal health coverage?
Self-employed and contractors
No employer plan, so you choose the coverage that fits your family.
Leaving a group plan
Changing jobs or losing benefits? Some plans accept you without medical questions if you apply within 60 to 90 days.
Retirees
Keep your coverage when your workplace benefits end.
Families with children
Dental and vision costs add up quickly with kids.
How we help
Understand your needs
We look at the prescriptions, dental work and services your family uses.
Compare plans
We compare plans from leading Canadian insurers, including Manulife.
Choose the right level
From basic to comprehensive, you pick the coverage and budget that fit.
Apply
We help you apply and check whether you qualify for guaranteed acceptance.
Frequently asked questions
Can I get coverage with a pre-existing condition?
Yes, some plans offer guaranteed acceptance with no medical questions, especially if you apply soon after leaving a group plan. Coverage for existing conditions may be limited.
Does the Canadian Dental Care Plan replace private insurance?
The federal Canadian Dental Care Plan helps eligible residents without dental insurance and with family income under the program limit. Many families still choose private coverage for broader care and choice of services.
Are premiums tax-deductible?
Self-employed people can often deduct health and dental premiums as a business expense. Others may be able to claim them as a medical expense. Ask your accountant how this applies to you.
Talk to Devendra Kumar, Financial Planner (CLU, CHS)
DK Insurance & Investments Inc. serves families across the GTA from offices in Vaughan, Mississauga and Brampton. Call or text +1-647-761-0517 for a free, no-obligation conversation.