Personal Health Insurance

Between jobs, self-employed, or losing group coverage? Get protection from costs not covered by your government health plan with coverage from BC's #1 health benefits provider.

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Why British Columbians choose our Personal Health Insurance

BC's # 1 Health Benefits Provider

Our 700+ Burnaby-based employees support your health with local expertise. It's why 1 in 3 British Columbians are Pacific Blue Cross members.

Comprehensive Coverage

Design your flexible plan with comprehensive coverage for dental, massage, physio, vision, prescription drugs and more.

Mental Wellness

Enhanced coverage specifically for registered counsellors, psychologists, and online CBT.

Fast, easy claims

File claims without the paperwork-- anytime, anywhere-- online or through our free mobile app, and get reimbursed in as little as 24 hours.

Enhanced coverage for women

We’re working hard to bridge gaps in women’s health care through intentional plan design, with support from BC Women’s Health Foundation and Women’s Health Research Institute.

Local impact

As BC's only not-for-profit health benefits provider, we support over 300 organizations improving health and wellbeing in our province each year.

Explore our flexible Personal Health Insurance plans

Health and Dental

Flexible, comprehensive coverage for those who may not be covered under an employee-sponsored group plan.

Perfect for:

  • Healthy individuals that don't have an existing health condition
  • Freelance, part-time or contract workers
  • Individuals who are between jobs, or don't have group health benefits
  • Individuals wanting to supplement a work or student health plan

Learn more...

Get Covered

Guaranteed Acceptance

Get immediate coverage, even on conditions you may currently be managing.

Perfect for:

  • Individuals with an existing health condition
  • Freelance, part-time or contract workers
  • Individuals who are retiring, between jobs, or don't have group health benefits
  • Individuals wanting to supplement a work or student health plan

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Get covered

Dental Only

When all you need is dental insurance.

Perfect for:

  • Freelance, part-time or contract workers
  • Individuals who are between jobs, or don't have group health benefits
  • Individuals wanting to supplement a work or student health plan

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Get Covered

Group Conversion

Uninterrupted coverage when leaving an employee-sponsored group plan.

Perfect for:

  • Individuals who have left their group plan within the past 60 days

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Get Covered

Retirement

Flexible retirement plans with the most choice, flexibility and coverage.

Perfect for:

  • Individuals who have retired within the past 60 days

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Get Covered

 

Not sure which plan is right for you? Use our Plan Finder to help you decide

Plan Finder

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Frequently asked questions

  1. What is Extended Health Care coverage?

    Extended health is essential for covering the cost of medical services, medications and treatments NOT covered by your provincial health care plan. This includes coverage for dental, registered counselling, psychology, massage, physiotherapy, prescription drugs, vision and more.

  2. Why is it important for me to have Extended Health Care coverage?

    Extended health care provides access to a comprehensive range of medical services not covered by your provincial health plan or employee benefits for improved wellbeing and financial security.

  3. When should I buy Extended Health and Dental coverage?

    The ideal time to buy extended health care coverage is when you and/or your family are healthy. Since most extended health care plans exclude coverage for medical conditions you may already have, you need to obtain coverage prior to the occurrence of any future unforeseen accident or sickness.

  4. Who is eligible for this coverage?

    Our Individual Plans are available to all residents of British Columbia and the Yukon provided the resident is enrolled under the Medical Services Plan of BC, or the Health Care Insurance Plan of the Yukon. Coverage will be available for applicants who are awaiting provincial coverage to begin.

    Policyholders must be at least 19 years of age. For people under age 19 who want to apply for coverage under one of our plans, an adult must be designated as the policyholder.

  5. Where and how can I find more information on extended health coverage?

    Pacific Blue Cross has available coverage for health, dental and emergency medical travel. Contact Pacific Blue Cross for more information or to speak with one of our Service Representatives:

    Individual Plans Sales and Support
    Telephone: 604 419 2000
    Fax: 604 419 2199
    Email: inhealth@pac.bluecross.ca

    Toll-free Outside the Greater Vancouver Area:
    1 800 USE BLUE (1 800 873 2583)

    Mailing Address:
    Pacific Blue Cross
    Individual Plans
    PO Box 7000
    Vancouver, BC V6B 4E1

More FAQ

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Emergency Medical Insurance

Comprehensive, flexible emergency medical care coverage for British Columbians while travelling outside of BC.

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Peace of mind coverage for travel costs related to unexpected cancellations, interruptions and delays

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Critical Illness Insurance

Financial support, should a critical illness strike, so you can focus on making a healthy recovery

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