Frequently asked questions

To apply for a Blue Cross health insurance, you must:

  • Be a resident of Ontario
  • Have a valid OHIP card
  • Currently not be hospitalized
  • Meet the eligibility criteria for the product you are interested in

A health insurance plan protects you in case you fall ill or have an accident. Your health requires protection, just as you insure your home and vehicle in case of an accident.
A health insurance plan is also an excellent way to avoid the high costs of needs such as vision care and registered specialists and therapists, and to protect you against the high costs of some emergency medical care.
Our plans provide a sense of security that can improve your quality of life. Enrolling in a Blue Cross plan automatically grants you access to the members-only assistance program.

No. Dental and drug benefits are offered only as options in some of our products.

No. All Blue Cross insurance plans require that you hold a valid provincial health insurance card. Our coverage is available to help you cover expenses beyond those that are covered under your provincial health care plan.


Blue Cross offers a wide range of health plans that include extended health care coverage, to which you can add optional benefits, such as prescription drugs, dental care and critical illness coverage. We also offer more specialized plans, such as life, disability and mortgage insurance.

Since premiums are based on age, and since health care tends to be more expensive as we grow older, discounts are not available on our health insurance plans.

Blue Cross insurance plans cannot be modified. Depending on your needs, you can increase your protection with optional benefits such as supplementary prescription drug insurance and dental care. Contact us for more information.

Depending on the plan you applied for, coverage may start as early as the next business day. However, some plans involve a selection process. In this case, your coverage may not start for a few weeks. Some specific benefits may have a waiting period.

Blue Cross does not require a physical exam for health insurance coverage. However, depending on the plan you choose, you may be asked for information about your medical history.

Blue Cross does not require you to sign a contract for any length of time. However, if you want to cancel your Blue Cross insurance policy, you will need to provide a signed, written request. Some plans may require 30 days’ notice for a cancellation to be applied.

Unfortunately, braces are not covered under any of our dental options.