Personal health insurance

                   Personal insurance products with health to reduce the risk of having to bear the costs for preventive care or medical bills as a result of illness or accident. Although provincial health plans provide coverage for many health spending there are the gaps that can have a significant impact on your finances. For example depending on the province or territory where you live, you may have to pay for:

• Prescription for the treatment of a chronic illness or serious health drugs
• Emergency medical services in another country
• Professionals such as physiotherapists to promote the well-being or help recovery from injury
• medical equipment to help mobility

You should consider personal health insurance if:

• You do not have the health benefits through your employer
• You lose group coverage
• Want additional benefits not offered by your employer plan
• Personal health coverage health supplement insurance products provided by their province. You must have health coverage for provincial insurance products eligible for personal health Sun Life Financial.

Sun Life Financial offers personal health insurance products: Personal Health Insurance and Choice protection. PHI is the medical assessment and provides higher levels than the CHC coverage. There is no medical evaluation for HCC, and must be applied within 60 days following the departure of a group insurance plan.

Basic plan

          Our lowest cost plan helps you budget for medical and dental needs basis.

• Reimbursement of 60% for prescription with an annual maximum of $ 750 medicines
• Reimbursement of 60% for additional health spending. With a maximum reimbursement of $ 25 per visit allied medical services at $ 250 per year per practitioner 60%
• Reimbursement of 60% for preventive dental care, with an annual maximum of $ 500
• coverage of semi-private hospital is optional. There is no coverage for vision care or emergency travel

Standard plan

             Our most popular plan includes expensive drugs, preventive medical and dental coverage optional Emergency Travel.

• For prescription drugs, 70% cash back for $ 7000 and 100% first payment for the next $ 93,000 per year of eligible expenses
• 100% reimbursement for supplementary health care. 100% reimbursement for allied medical services up to $ 300 per year per practitioner. 100% reimbursement for vision care, up to $ 150 every 2 years
• Emergency medical travel for the first 60 days of a trip and $ 1 million maximum life
• Coverage of preventive dental care option and semi-private hospital room

Enhanced plan

    Our most comprehensive coverage with maximum prescription greater than the coverage of standard and optional dental plan, including food services and orthodontic medicine.

• For prescription drugs, 80% cash back for the first tranche of $ 5,000 annual eligible expenses and 100% reimbursement of $ 245,000 next year of eligible expenses
• 100% reimbursement for supplementary health care. 100% reimbursement for allied medical services up to $ 400 per year per practitioner. 100% reimbursement for care of up to $ 200 for every 2 years
• Emergency medical travel for the first 60 days of a trip and $ 1 million maximum life
• dental coverage optional optional for treatment and preventive and corrective orthodontics and semi-private hospital room coverage

happier and skinnier

This one simple change will make you happier and skinnier

                                    Of course, greatly reducing your food consumption is an obvious way to lose weight fast. But it will leave a bad mood, low and is generally not much fun to be with.

At least, that is what is expected. But science has recently surprised when a study published in Archives of Internal Medicine published in the Archives of Internal Medicine showed that eating less really seems people feel very good. Lose up to 25 pounds in two months and look more radiant than ever with the new plan of Youth in 8 weeks.

Experts have long known that calorie restriction is excellent for helping people lose weight, improve your overall health and even live longer. What they are not so sure? How could affect the overall quality of life. Like, if you cut way back on your portions, it will leave the fog and tired all the time. Or if life gets pretty miserable when you can not eat dessert, like, once a month.

And while the answers to these questions may seem obvious, the researchers decided it was time to carry out an experiment to find out. Therefore, 220 non-obese men and women were divided into two groups assigned the first group to restrict your daily calorie intake by 25% over 2 years. (So ​​someone usually eat a 2,000-calorie diet would be to eat 500 calories less per day). The second group was told to continue eating as much as they wanted.

At this point, you might expect it was only a matter of time before the calorie restriction group formed a mutiny angry with investigators. Or maybe they have completely and spent the day sitting casually in the corner, pizza cheese drawings and donuts with ice cream.

But except, that is not what happened at all. After using questionnaires to measure the mood of each subject, the quality of life, sleep and sexual function, researchers found that subjects in the calorie restriction group were basically done great. Better, in fact, the subjects were allowed chow in unlimited amounts of food. Compared to free-for-all room, the calorie restriction group has significantly improved mood states were less tense, got better sleep, and even reported a better sex life.

People in the calorie restriction group also lost an average of about 17 pounds, compared to only one book for people in the other group. And while the game is less surprising, the study authors suspect that the change of scale could have a lot to do with but why calorie restrictors have reaped all these other benefits. After all, it is no secret that weight loss often leads to an increase in energy and a time to sleep easier. And if you want to lose weight, watching the pounds come off is a pretty big mood stimulant itself. Trade in processed foods rich in refined carbohydrates for cleaning may also make you less suspicious to the ups and downs that tend to come with the consumption of large amounts of sugar - if you're even keel in place everywhere.

Does this mean that you will have a most incredible life in general, if the calories were reduced by 25%? Hard to say. Although the results of the study are interesting, there is still evidence of mountains to suggest that diets can mess with your head and make it harder to lose weight long term.

But ultimately, it is what is good for you. weight loss methods work best when they are something that can be maintained for life but not just a few weeks or months. So if you want to try caloric restriction, take some time to think seriously about whether it is something that will be able to do so in the long term. If the answer is no, perhaps not the best choice. And if the answer is yes? It may be worth trying. But before you start, talk to your doctor and dietitian. It is important to ensure that you'll always be able to hit all your nutritional bases significantly while eating less food.