Individual & Family Health Insurance

It can be difficult to find a health insurance plan that fits your unique needs and lifestyle. That’s why Blue Cross has designed Elements to be simple, flexible, and responsive to you.


Elements is an affordable personal health plan. It protects you and your family from costs generated during serious illness. Elements can help you pay for both routine and unexpected expenses not covered by your provincial health plan. And because life changes, you can adjust your coverage to match your life and your budget, now and later.

The Elements plan comes with coverage on routine expenses like eyeglasses, antibiotics, and dental costs. There is no overall maximum on the drug module and financial protection is available should you develop any critical illness.

If you would like more information on our health insurance, we have built a site that is dedicated to our Blue Cross offerings. Click here to read more.

Affordable Coverage for Health, Assured Access & Travel

An individual health insurance plan is an affordable solution that provides you and your family with comprehensive coverage for prescription drugs, dental, and vision care. Too often, Newfoundlanders and Labradorians get startling medical news and discover they can’t get health insurance coverage after they become ill. Additionally, not all medications or treatments outside of the hospital are covered by government health plans. You may then find yourself paying thousands of dollars in medical bills when you should be free to focus on getting better.

With the help of Newfoundland Life Insurance, you can apply now for health insurance while you’re healthy. It’s much easier to be approved now than when you’re faced with a major health issue. Once you’ve talked to our experts on Medavie Blue Cross™, we can help you choose a health plan that’s right for you and your family. Get in touch with us today to discuss your options.

Travel Insurance

Sadly medical emergencies don’t take a vacation just because you do. When you’re planning to travel, be sure to consider getting travel insurance from St. John’s Life Insurance. Travel insurance can keep you and your family protected from the unexpected while out of the country.

Unfortunately, out-of-province emergency medical expenses are not generally covered by your Provincial Medical Plan (MCP). The cost of one medical emergency while traveling can be financially devastating. Buying travel insurance is the best way to safeguard yourself should the unexpected happen during your travels.

When contacting us about travel insurance, ask us about trip cancellation and baggage!