Health Insurance


Our BasicPlan is ideal for unexpected emergencies, including those fundamental health benefits not covered under your provincial health plan, such as ambulance services, preferred hospital rooms and in-hospital drugs. Don’t forget you can also add prescription drug and dental coverage, and hospital cash to cover out-of-pocket expenses when you have an extended hospital stay.

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Benefit Details
Goods & Services Goods may be purchased anywhere in Canada and services must be provided within your province of residence
Ambulance Covers the cost of emergency transport by a road ambulance to the nearest hospital or health centre and 50% of the costs for return to your province of residence if you are bedridden at the time of your discharge; $2,000 maximum
Air Ambulance Covers the cost of emergency transport, within your province of residence, by air ambulance to the nearest hospital or health centre; maximum unlimited (requires authorization by a physician)
Casts & Crutches Covers the cost of fibreglass casts and the purchase or rental of crutches; maximum unlimited
Preferred Hospital Rooms Covers the cost of private or semi-private hospital rooms; maximum $500 per person per year
Private Duty Nursing Covers 80% of costs to $1,500 per person per year for in-hospital nursing
In-Hospital Drugs Covers the cost of prescription drugs, which are not covered by provincial prescription drug service plans, for patients in hospital; maximum $1,000 per person per year
Accidental Dental Covers the cost for dental services resulting from an accidental injury; maximum $500 per injury (services totaling $500 or more must be pre-approved by GMS)
*Wheelchairs, Motorized Scooters & Adjustable Beds Covers the cost to purchase or rent a wheelchair, motorized scooter, and/or adjustable bed when ordered in writing by a physician; maximum $500 per person per 5 years (a one year waiting period applies)
Artificial Limbs, Eyes & Larynx Covers the cost of artificial limbs, eyes and/or larynx to a maximum of $5,000 per person per year
Patient Walkers Covers 80% of the cost to purchase or rent a patient walker to a maximum of $300 per person per 5 years (requires a physician's written order)
Breast Prosthesis Covers the cost of an artificial breast prosthesis to a maximum of $175 per 2 years if lateral and $350 per 2 years if bilateral (a physician's written referral is required for bilateral mastectomy patients; excludes surgical brassieres)

*Subject to waiting period


Additional Coverage Options

Option Detail
Basic Prescription Drug Payment up to $3,500 for formulary* drugs.
Enhanced Prescription Drug Payment to an overall maximum of $5,000 for formulary* prescription drugs and oral contraceptives. Includes $800 for pre-existing medications.
Dental Care Preventative Care, Basic and Major Services.
Hospital Cash $100 per day up to a maximum of $3,000 per policy year.
Annual Travel
  • The Annual Travel option can be added to Personal Health Coverage plans purchased by BC, AB, MB, ON, NS, NL, PEI, YU, NWT, and NU residents. It provides $2 million in coverage for trips you take throughout the year. Covered trips can be up to 15, 30, or 48 days.
  • For Saskatchewan residents, travel medical emergency coverage is included in ExtendaPlan® and OmniPlan®

* a list of government-approved prescription drugs that are covered by a provincial health care plan

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GMS Personal Health Coverage is available in the provinces and territories of British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, Nova Scotia, Prince Edward Island, Newfoundland, Yukon, Northwest Territories and Nunavut.



This is a summary of benefits. Please refer to the policy wording for complete details.