Co-operators Personal Health Plan

Co-operators Personal Health Plan is a health insurance plan from The Co-operators, available to residents of Canada. Sum insured ranges from varies, eligible ages 18 to 64, and the policy is guaranteed renewable. Below is our take on how it compares to other health plans in our database — what it does well, where it lags, and the kind of policyholder it actually fits.

Annual premium starts at C$95, against a category median of C$90 across the 9 comparable health plans we track in this country. That places Co-operators Personal Health Plan in the upper-mid range on price, and the middle of the pack on coverage ceiling (maximum sum insured N/A versus a peer median of N/A). On the value spectrum it reads as priced near the category median.

Coverage breadth is in line with what most health plans offer: 6 core inclusions, 4 highlighted features, and 2 optional riders. Notable features called out by The Co-operators include Canadian co-operative, Social responsibility mandate, and Bundled home/auto discounts. On the rider side, Co-operators Personal Health Plan can be extended with Critical Illness and Disability Income — each adding to the base premium but also widening what the policy will pay out for.

Where Co-operators Personal Health Plan explicitly will not pay: Pre-existing conditions, Cosmetic, and Provincially covered. These are not unusual exclusions for a health plan, but they are the boundary of the contract — anything outside that list is in scope, anything inside is not. Read the full exclusions list before signing; every plan we have ever audited has at least one exclusion the buyer did not realise was there.