Our Plans
VikingCares Personal Health Plans offer simple, dependable options designed to replace or supplement your existing benefits — without unnecessary complexity.
Plan Designs
VIKINGCARES Personal Health Plans are designed to give you clear, dependable coverage — without complexity.
Choose from three thoughtfully designed plans that help replace or supplement your existing benefits, so you can select the level of coverage that fits your needs and budget.
Optional dental coverage is available with every plan.
Prescription Drugs
Paramedical Coverage
Major Medical
Vision Care
GoToDoctor
LIFE INSURANCE
Travel Out Of Country
Optional Dental
Coverage
Maximum Dispensing Fee
Coinsurance
Diabetic Supplies (test strips, syringes and lancets)
Annual Maximums
Silver
Generic
No
80%
Covered 80%
$2,500
Gold
Generic
No
80%
Covered 80%
$5,000
Platinum
Generic
No
90%
Covered 90%
$10,000
Paramedical Coverage – 100% Coinsurance
Registered therapists and specialists include acupuncturist, audiologist, chiropractor, chiropodist, massage therapist, naturopath, osteopath, occupational therapist, physiotherapist, podiatrist, psychologist, psychotherapist, registered dietician, social worker, speech therapist
Silver
$500 Combined @ 100%
Max $500/yr Max Per Paramedical
Max $500/yr Max Per Paramedical
Gold
$1,000 Combined @ 100%
Max $500/yr Max Per Paramedical
Max $500/yr Max Per Paramedical
Platinum
$1,250 Combined @ 100%
Max $500/yr Max Per Paramedical
Max $500/yr Max Per Paramedical
Overall Major Medical
Note: Included in overall major medical area are dibetic sensors, wheelchairs, walkers, CPAP Machines, Supplies Ostomy Supplies, braces support, oxygen, bras Etc. and other health items
CPAP Machines
CPAP Supplies
Oxygen Equipment
Compression Stockings
Blood Pressure Monitor
Blood Glucose Monitor
Orthotics
Hair Prosthesis (Wig)
Hearing Aid
Preventative Vaccines
Orthopaedic Shoes
Ostomy Supplies
Post-surgical Bra
Braces & Rigid Supports
Prosthetics
Tens Devices
Wheelchair Non Electric
Wheelchair Electric
Accidental Dental
Nursing Care
Ambulance (Ground &Air)
Canes.casts, crutches, splints. And trusses
Semi-Private Room
Convalescent Hospital
Viscosupplementation Injection
Diagnostic Services
Freestyle Libre/Dexcom sensors and Pump Supplies
Overall Major Medical Per Year
Silver
$750 / 1 unit per lifetime
$250/yr
*R&C 100%
$100/yr
$100 / Lifetime Max
$200 / Every 3 yrs
$300/yr
$500 Lifetime
$300 Every 4 yrs
$100/yr
$250/yr
*R&C 100%
2 per calendar yr
1 per calendar yr
$3,500 lifetime
$500 Lifetime
$1,000 Lifetime
$3,000 Lifetime
$2,000 yr / Natural Teeth Only
100% up to $2,500/yr
Covered R&C
*R&C 100%
100% covered-no limitation on consecutive days
Max 90 Days-$20/Day
$600/yr
$500/yr
$2,000/yr
$2,500
Gold
$1,250 / 1 unit per lifetime
$300/yr
*R&C 100%
$100/yr
$100 / Lifetime Max
$200 / Every 3 yrs
$300/yr
$500 Lifetime
$600 Every 4 yrs
$100/yr
$300/yr
*R&C 100%
2 per calendar yr
1 per calendar yr
$5,000 lifetime
$750 Lifetime
$1,000 Lifetime
$3,000 Lifetime
$2,500 yr / Natural Teeth Only
100% up to $3,500/yr
Covered R&C
*R&C 100%
100% covered-no limitation on consecutive days
Max 90 Days-$20/Day
$600/yr
$750/yr
$2,500/yr
$3,500
Platinum
$1,500 / 1 unit per lifetime
$350/yr
*R&C 100%
$100/yr
$100 / Lifetime Max
$200 / Every 3 yrs
$300/yr
$500 Lifetime
$1,000 Every 4 yrs
$100/yr
$350/yr
*R&C 100%
2 per calendar yr
1 per calendar yr
$7,500 lifetime
$1,000 Lifetime
$1,000 Lifetime
$3,000 Lifetime
$3,000 yr / Natural Teeth Only
100% up to $4,500/yr
Covered R&C
*R&C 100%
100% covered-no limitation on consecutive days
Max 90 Days-$20/Day
$600/yr
$1,000/yr
$3,500/yr
$4,500
Vision Care (No age limit)
Eye Exams
Eye Glasses and Contacts
Silver
$100 / 2 years 100%
$100 / 2 years 100%
Gold
$100 / 2 years 100%
$200 / 2 years 100%
Platinum
$100 / 2 years 100%
$300 / 2 years 100%
Virtually access professional healthcare, anywhere, anytime
Silver
Included
Gold
Included
Platinum
Included
Life Insurance - Only on primary member ** Remains on plan until as long as you are paying premiums or age 85.
Primary Member Only - to age 85
Silver
$10,000
Gold
$10,000
Platinum
$10,000
Travel Out Of Country
(Included until Age 80)
Stability: 0 days to age 70
90 days age 7-80
90 days age 7-80
Silver
90 Day Travel
$5 million per trip
(See Booklet for all details)
$5 million per trip
(See Booklet for all details)
Gold
90 Day Travel
$5 million per trip
(See Booklet for all details)
$5 million per trip
(See Booklet for all details)
Platinum
90 Day Travel
$5 million per trip
(See Booklet for all details)
$5 million per trip
(See Booklet for all details)
Optional Dental Care Benefits
Dental claims are eligible from day 1
Silver
$2,000 Combined Basic & Major Coverage Annually (80% Basic, 50% Major)
Gold
$2,000 Combined Basic & Major Coverage Annually (80% Basic, 50% Major)
Platinum
$2,000 Combined Basic & Major Coverage Annually (80% Basic, 50% Major)
Definitions
Reasonable & Customary (R&C)
Unlimited
Coinsurance (Copay)
Definitions
Refers to the maximum allowable amount that an insurance carrier or claims payor will reimburse on a particular service or item. This amount reflects the average cost associated with this service or product in a specific geographical region.
Means there is no set limit but is subject to Reasonable and Customary Charges.
The portion, as a percentage of the claim, that the insurer is responsible for paying. The Insured is responsible for the remaining balance. For example: 80% coinsurnace means the insured is responsible for paying 20% of the claim.
Things to Consider
- This page is a summary of coverage and may not include all plan details. Please review the full benefit booklet before purchasing a plan.
- Contact us anytime for complete coverage information, or download the full booklet from our website.
- All calendar-year and lifetime maximums apply per person, unless otherwise stated.
- Anyone between the ages of 18 and 79 can apply for a VIKINGCARES Personal Health Plan. Coverage is available for individuals, couples, and families.
- You must be a resident of Canada and covered under your provincial health plan to apply. If you are applying for family coverage, your spouse and dependent children must also have provincial healthcare coverage.
- Health coverage does not age out. Once you join before your 80th birthday and maintain continuous coverage, your extended health benefits remain in force for life.
- Emergency Travel Coverage is available for members up to age 79. Travel coverage ends at age 80. Clients do not have to be in their home province for their travel insurance to come into effect. If a client leaves their home province before their Orion travel coverage becomes effective, they must maintain continuous coverage from their departure date until the Orion policy takes effect. Orion will then calculate the coverage dates based on the client’s actual departure date.
- Life Insurance Coverage (where included) continues until age 85, at which point it terminates.
- Extended health coverage for a dependent who is hospitalized at the time their coverage should begin (except newborns) will start the day after they are discharged.
Premium Payment
Premiums are collected by pre-authorized debit on the 10th of each month.
Invoices are generated on the 1st, and withdrawals begin the month your plan becomes active. Your coverage will remain in force if monthly premiums are successfully paid.
Cancellation of Coverage
To cancel your coverage, simply complete and submit a cancellation form.
Once we receive your request, cancellation will take effect after a standard 30-day processing period.
There are no fees to cancel your plan.
Optional Dental Pricing
Optional DENTAL PLAN Coverage - $2,000 Combined Maximum - Can be added to any Plan Design
Basic Services 80% Includes Basic, Endodontic & Peridontal Services
Major Services 50% Incudes Crowns, Bridges, and Dentures
Silver
$2,000 Combined Basic & Major/year
$2,000 Combined Basic & Major/year
Gold
$2,000 Combined Basic & Major/year
$2,000 Combined Basic & Major/year
Platinum
$2,000 Combined Basic & Major/year
$2,000 Combined Basic & Major/year