Personal health insurance plans

Health, travel and life insurance that help protect you against the unexpected – no matter where you’re at in life.

Find the health coverage that’s right for you

Health insurance

Take care of health expenses not covered by your workplace or provincial health insurance plans.

Travel insurance

Travel with peace of mind knowing you’re covered for out-of-province emergency medical expenses.

Life insurance

Ensure the health and wellness of your loved ones by protecting their financial health with flexible life insurance.

Our members also benefit from these services:

Blue Advantage

Even with extended health coverage, sometimes you may need to pay for health and dental products and services. With your personal health insurance plan from Saskatchewan Blue Cross, you can save on healthcare-related products and services at participating providers across Canada, even if they aren’t covered under your benefits plan!

How it works

Blue Advantage provides savings on the total cost of products and services from participating providers. Members can present their Blue Cross ID card and mention the Blue Advantage program to their provider to receive the discount. Click below to view the complete list of participating providers and eligible savings.

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Earn rewards for referring friends and family

As a valued member, you can earn rewards for referring your friends and family to Saskatchewan Blue Cross. When someone you refer signs up for a personal health plan, both you and the person you refer will be eligible for a referral reward!

Learn More

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Stronger Minds by MindBeacon

Members have access to free, reliable, and relatable mental health information through Stronger Minds by MindBeacon. They offer day-to-day guidance from their team of clinical psychologists and access to videos, quick reads, and resilience-building activities.

Learn More

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Managing health coverage has never been easier.

Members can manage your Personal Health Plan using the member portal or mobile app. You’ll enjoy convenient claiming, quick reimbursement direct to your bank account, plus access to details including plan maximums, coverage limitations, and plan usage.

Access the Personal Member Portal

Get the SK Blue Cross: Personal app

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Empower your health

Resources designed to help you increase your health literacy and take care of your wellness.

Build your knowledge

Explore topics to help you make decisions about the insurance you need.

Explore FAQs

Answers to your questions about insurance coverage, managing your plan, and more.

Frequently Asked Questions

Do your rates increase each year? By how much? Icon/UI/plus-circle

As a not-for-profit organization, we take great care in ensuring that our Personal Health Plans continue to be among the most affordable and sustainable in Saskatchewan. The rates you pay go towards claims, service and administration costs – not profit margins.

Annually, Personal Health Plans undergo a rate review to adjust for factors including general inflation, the cost of health care and paramedical services for all Saskatchewan members on our Personal Plans, and enhancements to the benefits and service options offered to you.

Personal Health Plan pricing is also aligned to 10-year age increments, providing greater stability in your plan pricing over time. Rate adjustments occur when you enter a new age group, and can be a contributing factor in your renewal rate. Our rates are determined by the following age brackets: Under 35 | 35-44 | 45-54 | 55-64 | 65-74 | 75-84 | 85+

Can I show my electronic card to my providers to have them bill you directly for their services? (ie: Dentists, Pharmacists, etc.) Icon/UI/plus-circle

Yes, your electronic member card on the member portal includes the required information for a provider to submit your claims electronically.

How do I submit a claim? Icon/UI/plus-circle

Personal Health Plan claims: We recommend using the Personal Health Plan member portal or mobile app to submit your claim. Please note: You will need an electronic version of your claim receipts. You can also continue to mail your claim to our office – download and print a claim form here.

Group/Employer Plan claims: The fastest and most convenient way to submit your claims is by logging in to the Group Member portal or download the app. You can also continue to mail your claim to our office – download and print a claim form here.

For more information on how to submit a claim please visit our Submit a Claim page.

I am retiring and looking for a health insurance plan. What plan should I be looking for? Icon/UI/plus-circle

You’ve reached the retirement milestone, congratulations! Our Conversion Plan is designed to support you through this important and exciting transition. Simply apply within 60 days of your group benefits ending and the Conversion Plan will offer no interruption in coverage, no waiting periods, and no medical review.

The Conversion plan is designed to coordinate with many provincial and federal programs – including the Seniors Drug Program, which results in a decrease in your premium starting at age 65.

Are you ready to design a Personal Health Plan that fits your needs and lifestyle? Apply today!