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Converting group insurance to individual

Changing jobs or retiring? You can maintain certain life, health and critical illness insurance benefits.1 No need to provide evidence of insurability or take a medical exam.

1-877-647-5235  Phone number of Desjardins Insurance. This link opens your phone app.

Health insurance

Thanks to Health Track Insurance®, you can get affordable individual healthcare coverage without having to provide evidence of insurability—regardless of your age. Apply within 60 days of when your group insurance ends.

3 health insurance options

Choose the option that best fits your needs.1

  Health insurance options– Benefits included
BenefitsBronzeSilverGold
Basic healthcare insurance included included included
Higher reimbursement maximums not included included included
Travel insurance60 days 90 days 180 days
Vision care, convalescent care and massage therapy not included not included included
Optional dental care insurance not included not included included

You can find more about each benefit in our comparative table.

See health insurance comparative table (PDF, 123 KB)

Calculate your premium amount

Premiums vary depending on various factors, including:

  • Option chosen (Bronze, Silver, Gold)
  • Coverage type (with or without dependants)
  • Your age
Use our premium calculator

You must apply for health insurance within 60 days after your group insurance ends.

Eligibility criteria for health insurance

To be eligible for the Bronze, Silver and Gold options, you must:

  • Have group insurance with Desjardins or another insurer that's ending or has already ended
  • Have had healthcare coverage under your group plan
  • Have been actively at work when your group plan ended
  • Apply within 60 days of the date your group insurance ends
  • Be covered under your provincial healthcare and hospitalization insurance plan
  • Be a resident of Canada

To be eligible for the Gold option with optional dental care insurance, you must:

  • Have had dental care coverage under your group plan

Life insurance

Your group life insurance may end or be reduced in 3 situations:

  • You leave your job.
  • You retire.
  • You reach the age limit set out in your policy.

But you can maintain or extend your coverage by converting it to individual insurance.

You can find out more about converting group life insurance to individual insurance in our document.

See life insurance conversion privilege document (PDF, 2.16 MB)

You must submit your conversion request within 31 days of when your group insurance is reduced or ends.

Eligibility criteria for life insurance

  • You're 65 or younger.2
  • Your group insurance plan is ending or has been reduced.
  • You apply within 31 days of when your group insurance ends.
  • You had life insurance coverage under your group plan.
  • You aren't disabled when you apply.
  • You live in Canada.

Critical illness insurance

Your group critical illness insurance may end or be reduced3 in the following situations:

  • You leave or lose your job.
  • You retire.
  • You reach the age limit set out in your policy.

However, you can maintain or extend your coverage by converting it to individual critical illness insurance. This insurance applies to you and your partner. It does not cover children.

Individual critical illness insurance only covers 4 illnesses:

  • Stroke
  • Cancer (life-threatening)
  • Coronary artery bypass surgery
  • Heart attack (myocardial infarction)

You must submit your conversion request within 31 days of when your group insurance is reduced or ends.

Eligibility criteria for critical illness insurance

  • You're 65 or younger.2
  • Your group insurance plan is ending.
  • You apply within 31 days of when your group insurance ends.
  • You have critical illness insurance coverage under your group plan.
  • You aren't on disability leave when you apply.
  • You live in Canada.

Request to convert to an individual policy

By phone

Monday to Friday: 8 AM to 5 PM (Eastern Time)

1-877-647-5235 Phone number of Desjardins Insurance. This link opens your phone app.

Group insurance products are manufactured by Desjardins Financial Security Life Assurance Company.
The terms and conditions of the coverages described are set out in the insurance policy, which always prevails. In the event of a legal dispute, only the terms and conditions of your policy will be binding. Some exclusions and restrictions apply. Health Track Insurance® is a registered trademark owned by Desjardins Financial Security Life Assurance Company. Certain conditions, exclusions and limitations may apply.You must be 65 or younger, or the age specified in your contract to be able to convert your group insurance to individual insurance.Some plans allow you to reduce the amount of your insurance by 50% at age 65.