Optional Health and Dental Coverage at Group Rates
Important Note: Due to changes in Quebec legislation, we are no longer able to offer new medical /dental coverage in that area. We are currently working to find a solution.
The Canadian Association for Integrative Nutrition and the Canadian Health Coach Alliance have teamed up with Chartwell Financial Group to provide our members with comprehensive Medical, Dental, Critical Illness, AD&D and Life coverage.
Understanding that individuals and families have different needs, we have tailored different plan options to suit you. That way you'll pay only for the coverage you really want and need.
Coverage is tailored to your province
Provincial health insurance plans differ across Canada. Recognizing this, the coverage adjusts slightly from province to province so you'll have the protection you need from routine or unexpected health care expenses – no matter where you reside.
Some exciting features to the plan include:
- No Deductible
- Pre-existing conditions and prescriptions are covered.
- Automatic approval within 60 days of membership approval and subject for review thereafter.
- Options for single life, spousal and dependent coverage with three levels of coverage to choose from based on need.
**See full Terms and Conditions in member area.
***Special rates are only available to members of CAIN or CHCA.
***Quebec is not eligible under this plan at this time.
Dental Coverage
Great oral health is an essential part of a healthy lifestyle. Our individual and family dental insurance plans can help you maximize your oral health. In fact, people with dental insurance are more than twice as likely to visit their dentist regularly.
Reduce the costs of dental care by choosing your own tailored plan to suit the needs of you and your family at special discounted rates..
Reduce the costs of dental care by choosing your own tailored plan to suit the needs of you and your family at special discounted rates..
Medical Coverage
Medical Insurance complements health coverage provided by your province. You must have Provincial Health Care coverage in place to be eligible.
While provincial health plans provide coverage for many health expenses, there are gaps that can have a significant impact on your finances. For example, depending on the province or territory where you live, you may have to pay for:
While provincial health plans provide coverage for many health expenses, there are gaps that can have a significant impact on your finances. For example, depending on the province or territory where you live, you may have to pay for:
- Prescription drugs to treat a chronic or serious health condition
- Emergency medical services provided in another country
- Practitioners like physiotherapists to promote wellness or help with injury recovery
- Medical equipment to assist with your mobility
Critical Illness
Critical illness insurance provides a lump sum cash benefit if you’re diagnosed with one of the covered conditions:
Alzheimer’s Disease, Deafness, Motor Neuron Disease, Aorta Surgery, Heart Attack, Dismemberment, Multiple Sclerosis, Benign Brain Tumour, Heart Valve Replacement, Occupational HIV Infection, Blindness, Paralysis, Cancer, Loss of Speech, Parkinson’s Disease, Coma, Major Organ Failure, Severe Burns, Coronary Artery Bypass Surgery, Major Organ Transplant, Stroke
A Critical Illness can lead to significant and unexpected costs that may not be covered by your provincial or employee health plans. You can use your benefit anyway you wish such as paying your medical bills and prescription costs. CI will help replace lost income for paying tuition, making mortgage payments or hiring a nurse or caregiver to help you out at home.
Alzheimer’s Disease, Deafness, Motor Neuron Disease, Aorta Surgery, Heart Attack, Dismemberment, Multiple Sclerosis, Benign Brain Tumour, Heart Valve Replacement, Occupational HIV Infection, Blindness, Paralysis, Cancer, Loss of Speech, Parkinson’s Disease, Coma, Major Organ Failure, Severe Burns, Coronary Artery Bypass Surgery, Major Organ Transplant, Stroke
A Critical Illness can lead to significant and unexpected costs that may not be covered by your provincial or employee health plans. You can use your benefit anyway you wish such as paying your medical bills and prescription costs. CI will help replace lost income for paying tuition, making mortgage payments or hiring a nurse or caregiver to help you out at home.
Life Insurance
Life insurance protects the financial security of the people you love by paying a tax-free cash benefit to your beneficiaries.
The benefit can assist with covering final expenses, paying down outstanding debts or estate taxes, can supplement income while loved ones are adjusting.
Coverage is included in the plan price.
The benefit can assist with covering final expenses, paying down outstanding debts or estate taxes, can supplement income while loved ones are adjusting.
Coverage is included in the plan price.
- Simple and Affordable
- Convenient
- No Medical Exam Required
- Covered for Pre-existing conditions
AD & D Insurance
Should a fatal accident happen to you and/or your spouse, Accidental Death and Dismemberment Insurance can provide extra financial security to your loved ones by helping them to maintain their standard of living, cover final expenses, and more.
Coverage is included in the plan price.
Coverage is included in the plan price.
Why Choose This Plan?
- No medical questions for existing members within 60 days of joining
- Pre-existing conditions are covered for Health & Dental. For example, if you are currently using prescription drugs, they will continue to be covered in this plan.
- Direct billing is available.
- No limitations on dental maximums in the first year.
Dental |
Medical |
Life |
**Membership is mandatory to maintain the group coverage rates.
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