ScotiaLife® Health & Dental Insurance

Right for you if:

  • You want to ensure your health care needs are met

  • You wish to protect yourself against rising costs

    ScotiaLife® Health & Dental Insurance offers health coverage that includes emergency travel medical protection and optional dental coverage for individuals not covered by an employer group plan or those who would like to supplement an existing plan.

    You are eligible to apply for coverage for yourself, your spouse and your dependent children if you are:

    • 18 to 64 years old
    • a Canadian resident
    • a Scotiabank customer or the spouse of a Scotiabank customer
    • you are covered by a provincial or territorial health care plan

    If you are a resident of Quebec, you are required to have RAMQ drug coverage or an equivalent group or association plan, which is the first payer for prescription drugs.

    You have the option of selecting only health insurance or both health and dental insurance, so you can choose the protection that's right for you.

    The plan offers
    • Affordable group rates - You benefit from low group rates exclusively for Scotiabank customers, their spouses and their dependent children
    • Lifetime protection - Except for Emergency Travel + Medical Assistance, which ends at age 80
    • Convenient payment options - You can select monthly preauthorized payments from either your credit card or chequing account
    • Simple and fast reimbursement - For your convenience, a drug card will be provided to you (not available in Quebec). Claim payments can be deposited directly to your bank account
    • 30-day money-back guarantee - If for any reason you are not completely satisfied with your coverage, simply return your Certificate of Insurance within 30 days. Any premiums paid will be refunded to you, provided no claims have been paid
    Important details you need to know
    • If you are applying as a couple or a family, you must choose the same plan for everyone
    • All annual or lifetime maximums are per person. Annual maximums are based on the anniversary of the Group Policy plan year¹, and any unused portion may not be carried forward for use in subsequent years
    • If you live in Alberta, British Columbia, New Brunswick, Nova Scotia, Northwest Territories, Nunavut, Ontario or Yukon and are over age 65, ScotiaLife® Health & Dental Insurance is the second payor after any government sponsored drug plans. We have lowered the premiums that must be paid in these provinces/territories to reflect this difference in coverage
    • ScotiaLife® Health & Dental Insurance may cover eligible drugs that are not covered by the provincial plans
    • Coverage may be declined to you or your family member(s) based on the medical history of each individual

    Health Insurance plan

    Lifetime maximum of $1 million per person (not including Emergency Medical and Travel Assistance).

    Deductible: None

    Prescription drugs

    • Covers 75% of drugs that legally require a written prescription by a doctor or dentist up to an annual maximum of $10,000. Unless a specific drug is prescribed, the plan covers 75% of the cost of the generic drug equivalent
    • Covers a maximum dispensing fee of $5.00 per prescription (not applicable in Quebec), $250 lifetime maximum of $10,000
      smoking cessation drugs and $250 annual maximum for oral contraceptives
    • Fertility drugs are not covered
    • Convenient drug card provided (not available in Quebec)

    Hospital services

    Upgrade to a semi-private room - 75% of the incremental cost up to a maximum of $150 per day; 60 days maximum per year.

    Emergency medical & travel assistance

    100% coverage is available during the first 30 days of a trip (out of province or out of country) up to a lifetime maximum of $1 million. Coverage is not available for pre-existing conditions within the past 9 months. Coverage terminates at age 80.

    Paramedical services

    • 75% coverage up to a maximum of $25 per visit and 12 visits per practitioner per year
    • $800 per year maximum combined for all practitioners
    • Includes: Chiropractor, Osteopath, Podiatrist, Chiropodist, Registered Massage Therapist, Naturopath, Speech Language Pathologist, Psychologist, Physiotherapist and Acupuncturist

    Vision care

    • 1 year waiting period from effective date of coverage
    • $150 maximum every 2 years, including a maximum of $50 per biannual eye exam (1 exam per year for a person under age 18)
    • Coverage includes: prescription glasses, contact lenses, prescription sun glasses, and laser eye surgery

    Medical services & equipment expenses

    75% of the cost up to a lifetime maximum of $20,000:

    • Private Duty Nursing - Up to an annual maximum of $2,500
    • Accidental Dental - Up to an annual maximum of $2,000
    • Hearing Aids - $400 maximum every 5 years
    • Orthotics - Orthotics, including custom orthopedic shoes - $300 annual maximum
    • Ambulance
      • 75% coverage for ground ambulance
      • Emergency air ambulance - $10,000 maximum per incident
    • Durable Equipment - $2,500 annual maximum. Includes: artificial limbs or other prosthetic appliances, splints and crutches, casts, walkers, braces (not solely for athletic use), traction kits, wheelchairs (lifetime maximum of $4,000), and hospital beds (lifetime maximum of $1,500).
    • Other - Includes: wigs following chemotherapy ($350 annual maximum), surgical stockings (2 pairs per year), stump socks (5 pairs per year), oxygen, diagnostic laboratory and x-ray examinations, and blood glucose monitors ($150 maximum every 5 years).

    Dental insurance plan

    You can add valuable dental coverage to your health plan.


    • The plan covers 75% of costs up to a maximum of $500 in the first year of coverage
    • Subsequent years' annual maximum is $750
    • 3 month waiting period from effective date of coverage
    • No coverage for orthodontia or major dental services, such as root canals, bridges or crowns

    Oral Exams

    • 1 recall exam every 9 months
    • 1 complete exam every 3 years
    • Emergency or specific examinations


    • 1 set of bitewing x-rays every 18 months
    • 1 complete series of x-rays every 5 years


    • Polishing - 1 unit every 9 months
    • Topical fluoride - 1 unit every 9 months
    • Scaling and root planing - 4 units every year
    • Fillings - amalgam, composite, acrylic or equivalent
    • Diagnostic tests and laboratory examinations
    • Emergency or palliative services
    • Uncomplicated removal of teeth 
    Comprehensive coverage at competitive rates

    Your premiums will be based on your age, your spouse's age (if applicable), province of residence, type of coverage (single, couple, or family) and the plan you choose (health or health and dental).

    Select your province below for an easy-to-read rate chart:

    Ready to apply


    Convenient application process

    Apply online
    By Phone

    Call us toll-free
    Mon-Fri (8:30am-5pm ET)

    By Mail

    Send to address provided on the form 

    Application form