Empire Life Flexplus Health

Empire Life Flexplus Health is a health insurance plan from Empire Life Insurance, available to residents of Canada. Sum insured ranges from varies, eligible ages 18 to 65, 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$85, against a category median of C$90 across the 9 comparable health plans we track in this country. That places Empire Life Flexplus Health in the bottom quintile 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 cheaply for the category, which usually signals either a budget plan or one with tighter sub-limits.

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 Empire Life Insurance include E-Claims system, Ontario-based mutual insurer, and EFAP Employee benefits integration. On the rider side, Empire Life Flexplus Health can be extended with Critical Illness and Life — each adding to the base premium but also widening what the policy will pay out for.

Where Empire Life Flexplus Health explicitly will not pay: Pre-existing, 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.

Best fit for: buyers prioritising lowest annual outlay. As with any insurance decision, get a quote from Empire Life Insurance directly to confirm the rate that actually applies to your profile — listed prices are illustrative.