Print, complete and sign the application form ( 500 kb) and return by mail to the address provided on the form.
ScotiaLife Health & Dental Insurance FAQs
We've compiled a list of commonly asked questions about ScotiaLife® Health & Dental Insurance. For more details, call us toll free at 1-866-292-3512 between 8:30 a.m. and 5:00 p.m. (Eastern Time), Monday to Friday.
Who can apply for ScotiaLife Health & Dental Insurance?
You are eligible to apply for ScotiaLife Health & Dental Insurance if:
You are at least 18 years of age and under age 65, and
You are a Scotiabank Group customer or the spouse of a Scotiabank Group customer; and
You are covered under a provincial or territorial government health care plan; and
You are a resident of Canada.
If you are a resident of Quebec, you must have prescription drug coverage through the Régie de l'Assurance Maladie du Québec or an equivalent professional association plan to be eligible for supplemental prescription drug coverage under the Group Policy. The Group Policy only covers eligible prescription drugs not covered by the Régie de l'Assurance Maladie du Québec or a professional association plan.
What is the definition of spouse?
Spouse means a legally married person of the same or opposite sex with whom you have been cohabiting for at least one year.
What is the definition of dependent children?
Dependent children are any of your children or your spouse's children (other than foster children) that are not married or living common law and under age 21, or under age 26 if they are full-time students attending an educational institution and are entirely financially dependent on you or your spouse. A dependent child who becomes handicapped before the age of 21 (or 26, if an eligible full-time student) may continue to be eligible for dependent child coverage after such age under certain circumstances.
Can I enrol in the dental insurance plan without having the health insurance plan?
No, you must have the health insurance plan in order to be eligible for the dental insurance plan. However, if you have the health insurance plan, it is not mandatory to apply for the dental insurance plan.
Do I have to fill out a health questionnaire to apply for coverage?
Yes, ScotiaLife Health & Dental Insurance coverage is subject to satisfactory proof of good health. Scotiabank Group customers, or their spouses or dependent child(ren) (if applying) must complete a questionnaire outlining their medical history, which will be assessed by our underwriter, Sun Life, to determine if coverage may be approved. The proof of good health requirement is waived if an insured person with existing family coverage is applying for coverage for a dependent child and the application for insurance for the newborn is received within 30 days of the birth.
What if I'm approved for coverage but then decide to cancel?
You can review your new coverage for 30 days with a money-back guarantee. If you're not completely satisfied for any reason, simply return your Certificate of Insurance within 30 days of receiving your Certificate of Insurance. Any premiums already paid will be refunded, provided no claims have been paid.
Can I cancel my coverage at any time?
Yes, coverage can be terminated by submitting a written request to our underwriter, Sun Life. Your coverage will be cancelled effective the first day of the following month after we receive your request in writing, unless we receive your request on the first day of the month, in which case your coverage will be cancelled effective that date.
How much does coverage cost?
Rates vary depending on the plan you choose (health or health and dental), the type of coverage you select (single, couple or family), your age and your spouse's age (if applicable), and your province of residence. Please refer to the rate charts for your province or territory.
When does my ScotiaLife Health & Dental Insurance coverage become effective?
Your ScotiaLife Health & Dental Insurance coverage becomes effective on the date your application is approved by our underwriter, Sun Life. Billing starts on the first business day of the month following your approval. From the effective date of coverage, there is a one year waiting period for Vision Care coverage and a three month waiting period for dental care coverage.
When does my dependent child's coverage begin?
Dependent child coverage becomes effective on the latest of the following dates:
The date the Certificate Owner's coverage becomes effective;
The date the dependent child's application is approved by our underwriter, Sun Life;
The date any newborn child satisfies the definition of dependent child, provided that the Certificate Owner already has family coverage under the Group Policy and the application for dependent child coverage is received within 30 days of the child's birth.
Will my coverage end when I reach a certain age?
Emergency Medical & Travel Assistance coverage terminates at age 80. All of your other coverage under the Group Policy remains in force, regardless of your age, as long as you pay your premiums, you are covered by a provincial or territorial government health care plan and you are a Canadian resident. Your coverage will terminate 31 days after your premium due date if you fail to pay your premiums.
When does my dependent children's coverage end?
Your dependent children's coverage remains in force as long as they satisfy the definition of an eligible dependent child, they are covered by a provincial or territorial government health care plan, they are a Canadian resident, and your or your spouse's family coverage is in force.
Can I make changes to my coverage?
Yes, you may apply at any time to change your existing coverage. You can increase from single to family coverage, or you can add dental insurance to your existing health insurance. You must apply in writing, and satisfactory proof of good health is required in order for new applicants to be approved. The changes to your coverage will take effect on the date our underwriter, Sun Life, approves the application. All claims paid under the previous plan type will be used to determine when the maximums under your new plan are reached.
May I reduce my coverage?
Yes, you may reduce your coverage at any time. For example, you can reduce coverage by choosing only health insurance if you have health and dental insurance, or you can change to single coverage if you have family coverage.
ScotiaLife Health & Dental Insurance is underwritten by Sun Life Assurance Company of Canada.
ScotiaLife Health & Dental Insurance coverage is subject to certain limitations, restrictions and exclusions. This website provides descriptions of only some of the benefits and limitations of ScotiaLife Health & Dental Insurance. A description of the principal provisions of the coverage is provided in the Certificate of Insurance, which will be mailed to you if you are approved for coverage. Coverage is subject to all of the provisions contained in the applicable Group Policy. In the event of any conflict between any documents, including this website and the Certificate of Insurance, the Group Policy shall govern.
ScotiaLife Health & Dental Insurance cannot be purchased in Scotiabank branches.
500 kb) and return by mail to the address provided on the form.