SC Gig Classic Plan

A Benefit Solution for Self Employed Individuals

The SC Gig Plan is a one-of-a-kind solution that provides you and your family with valuable coverage, offering the key elements of a traditional Employee Benefit Plan to a segment that traditionally had limited available options.

Access to comprehensive package that includes all the benefits and pricing of traditional Group Benefits made available to self employed individuals who are not eligible for traditional employee benefits plans.

Below are the coverage details of this exclusive benefit program.

Details of SC Gig Classic Plan

Eligible to sole proprietors, freelancers, incorporated companies, and other self-employed individuals working at least 20 hours per week
Gold Level coverage only available after being enrolled for 12 months of Silver coverage
Copper coverage is Bronze Health without the Dental Option
Optional Employee Assistance Plan (EAP) Add on Available
Optional Virtual Medical Care Add on Available

Gig Classic Plan Coverage Options

	GOLD	SILVER	BRONZE
Extended Healthcare
Co-insurance - Deductible	100% - No deductible	80% - No deductible	80% - No deductible
Overall Plan Maximum	Unlimited in Canada	Unlimited in Canada	Unlimited in Canada
Travel - 60 day Out-of-Province/Country	100% up to $5M per incident	100% up to $5M per incident	100% up to $5M per incident
Prescription Drugs	100% coverage, up to $5K per year	80% coverage, up to $5K per year(90% at Costco, PocketPills or Mednow)	80% coverage, up to $5K per year(90% at Costco, PocketPills or Mednow)
Hospital Coverage	Semi-private room 14 days per stay	Semi-private room 14 days per stay	Semi-private room 7 days per stay
Vision Care per family member	100% up to $200 every 24 months	100% up to $200 every 24 months	Nil
Eye Exams per family member	$75 every 24 months	$75 every 24 months	$75 every 24 months
Paramedical Practitioners +- Chiropractor Chiropodist or Podiatrist Registered Massage Therapist Naturopath Osteopath Physiotherapist Psychologist Speech Therapist Acupuncturist	100% up to $500 per practitioner per year (per family member)	80% to $500 per practitioner per year (per family member)	Nil
Orthopedic shoes/Orthotics	$300 per year	$300 per year	$300 per year
Hearing Aids	$500 every 5 years	$500 every 5 years	$500 every 5 years
Ambulance	Included	Included	Included
Medical Supplies and Equipment	Included up to reasonable & customary charges	Included up to reasonable & customary charges	Included up to reasonable & customary charges
Dental Care
Coinsurance - Deductible	100% - Basic & Restorative 50% Major & Orthodontics	80% - Basic & Restorative	80% - Basic & Restorative
Overall Plan Maximum	$1,500 Combined Basic & Major $1,500 Lifetime Orthodontics	$1,500 per family member	$1,000 per family member
Frequency of Check-Ups	6 months	6 months	9 months
Units of Scaling (15 min cleaning)	8 units	8 units	8 units
* Gold available in year 2 and beyond

Monthly Premiums

	GOLD	SILVER	BRONZE
Single	$299.72	$201.05	$183.28
Couple	$574.45	$415.95	$351.58
Family	$744.47	$535.01	$445.34
* Stated Premiums do not include applicable Provincial Sales Tax (8%). Premiums will renew December 2026.

Optional Coverage

EMPLOYEE ASSISTANCE PLAN - EAP 2.0: coverage which includes mental health, physical health and financial health (legal) coverage - $5/month + HST
VIRTUAL CARE & UNLIMITED MENTAL HEALTH - Maple Mind & Body: coverage that provides access to members to connect to a professional therapist for counselling or a doctor directly for medical advice - $10/month + HST
COMPLETE WELLNESS BUNDLE: a combination of the above EAP 2.0 + Maple Mind & Body and other innovative digital programs to help you stay on track - $20/month + HST
HIGH COST DRUG PROTECTION: Up to $1 million of addtional drug coverage to ensure access to expensive lif-saving medications - $15/month per Single, or $30/month per Family
ACCIDENT & SERIOUS ILLNESS DISABILITY INSURANCE: Protect 100/Protect 200: weekly benefit for loss of income due to accident or illness. Contact us at info@scinsurance.ca for pricing or more information.