Canada Life Flexcare Combo

Canada Life Flexcare Combo is a health insurance plan from Canada Life (Great-West Life), available to residents of Canada. Sum insured ranges from varies, eligible ages 18 to 69, and the policy is annual 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$100, against a category median of C$90 across the 9 comparable health plans we track in this country. That places Canada Life Flexcare Combo in the top 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 toward the top of the category, typically reflecting either a wider feature set or stronger insurer reputation.

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 Canada Life (Great-West Life) include Canada Life Group merging GWL, London Life, Canada Life, Largest Canadian insurer, and GroupNet digital portal. On the rider side, Canada Life Flexcare Combo 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 Canada Life Flexcare Combo explicitly will not pay: Pre-existing conditions, Cosmetic dental, and OHIP/provincial covered services. 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.