Bundled plan

Save money and keep it simple with no medical exam through the bundled plan

Not sure what you need? Start here.

The bundled plan is your pre-built safety net to financially protect against life’s surprises – accidents, disabilities and health care expenses. You get a full suite of benefits, providing the most commonly needed coverage, at a special, affordable rate. It’s less expensive than buying each insurance separately.

What’s more, it’s only available because of the CDHA. A benefit of your membership you won’t get anywhere else.

Why choose the bundled plan?

  • No guesswork. Get convenient core insurance coverage at one affordable rate.
  • Save up to 56% with this bundled plan compared to buying each product on its own.
  • Easy to apply. The bundled plan involves a simplified questionnaire. There's no medical exam, just five simple questions (some exclusions may apply).
  • Flexible. You can top up your coverage by adding more coverage for you or your family. Add any type of insurance in the CDHA program.

What’s included in the bundled plan?

Type of insurance Coverage amounts Coverage available for
Term life
Helps protect your loved ones’ financial future.
$30,000 Member
Long-term disability (LTD)
Helps cover some of your bills if you can’t work.
$750 per month Member
Accidental death and dismemberment (AD&D)

Helps with finances as you or your family cope with a serious accident.

$30,000 Member or Family (includes Couple and Member +1 dependant child)
Extended health care (EHC)

Helps with out-of-pocket medical expenses not covered by provincial plan.

80% of prescription drugs up to $1,000 a year per person.

Up to $200 for vaccines per covered person per year.

80% of expenses for the following paramedical practitioners up to $500 each year (combined) per person:

  • Massage therapists
  • Physiotherapists
  • Psychologists

100% coverage for medical services and equipment up to a maximum of $3,000 per person per year.

100% coverage for a semi-private hospital room (up to $75/day) up to $10,000 per person per year.

Coverage for emergency medical expenses while travelling outside of your province or territory:

  • 100% covered for up to a maximum of 30 days after leaving your province
  • Coverage for semi-private hospital room, out-patient services, other hospital services and doctors’ services

Coverage for emergency medical expenses while travelling outside of Canada:

  • Lifetime maximum: $2 million per covered person
  • Coinsurance: 100%
  • Maximum per trip: $1 million
Single, Couple (or Member +1 dependant child), Family 


How much does it cost?

The cost is the same, no matter your age.

Insurance rates

Monthly premiums include coverage for four products:

  • $30,000 of Term life insurance benefit
  • $750/month of LTD insurance benefit
  • $30,000 of AD&D insurance benefit
  • Extended health care insurance benefit – option 1

Single Couple (or Member +1 dependant child) Family


Term life, LTD, AD&D and EHC coverage for the Member only


Term life and LTD coverage for the Member

Extended health care insurance
for a Couple (or Member +1 dependant child) and AD&D for the whole Family


Term life and LTD coverage for the Member

Extended health care insurance
and AD&D coverage for the whole Family

Rates are yearly renewable, subject to change on notice, and subject to provincial tax where applicable.

Customize it for you

Customize the bundled plan to meet your needs. You can increase your coverage for term life, AD&D and LTD insurance or cover family members. Need critical illness insurance? Simply add it to the bundled plan. Additional coverage requires full medical underwriting.

To help you find out your monthly premium, use our easy-to-use free online quote tool.

You’re eligible if you’re:

  • A Canadian resident
  • A CDHA member in good standing
  • Under age 60
  • Actively at work for a minimum of 18 hours a week or actively enrolled and pursuing an accredited dental hygiene program in Canada1
  • Covered under your provincial health plan (RAMQ in Quebec) or have equivalent coverage under a group plan. In Quebec, this plan only covers prescriptions that the RAMQ Prescription Drug Insurance Plan does not cover.
  • Approved after filling out a five-question form

Insurance made easy

Getting the care you and your loved ones need doesn’t have to be complicated. Let us do the heavy lifting by choosing this complete and affordable insurance package. Plus you can build on the bundled plan by adding coverage. Why wait? Apply today.


Pre-existing conditions:

Benefits are not payable under the contract for any disability occurring within 24 months of the effective date of coverage for any illness or condition, whether or not they are diagnosed, for which the insured:

  • Had symptoms
  • Had consulted a doctor or any other health care practitioner
  • Was provided any health-related care, advice or treatment, or that a reasonably prudent person with an illness or medical condition or symptom(s)
  • Would have consulted a doctor or any other health care practitioner during the 24 months prior to the effective date of the coverage

We will not make a payment for:

  • Declared or undeclared war, insurrection or rebellion
  • Voluntary participation in a riot or act of civil disobedience
  • Intentionally self-inflicted injury or suicide, regardless of whether the insured person has a mental illness or intends or understands the consequences of their actions
  • Committing or attempting to commit a criminal offence

For a complete list of exclusions, please refer to our plan brochure.


Call us at 1-877-363-2773
Mon to Fri 8 a.m. to 8 p.m. ET

1. Students are not eligible for residual disability.