Welcome Ontario Nurses Association members to Johnson Insurance!
Over the last thirty years, we’ve helped thousands of Canadian healthcare professionals, who are members of an eligible group, get coverage they can rely on. Our exclusive rates and policies are built to meet your individual needs, so you can ensure you and your family stay protected.
Johnson Insurance is becoming belairdirect.
Johnson Insurance is becoming belairdirect.
Johnson Insurance is becoming belairdirect.
It looks like we don’t offer car or home insurance in your province!
belairdirect is available in most Canadian provinces, but does not offer insurance in Manitoba, Saskatchewan, or the territories.
It looks like we don’t offer car or home insurance in your province!
belairdirect is available in most Canadian provinces, but does not offer insurance in Manitoba, Saskatchewan, or the territories.
Insurance that's ready when you are
We make travelling simple with one annual insurance plan: MEDOC®Travel Insurance. So even for those last-minute getaways, you’ll already have one thing packed and ready to go.
Unlimited Trips
Coverage for an unlimited number of trips throughout the policy year.*
Access to Coverage
Insurance that can be purchased no matter your age or health status.†
Trip Disruption
Trip cancellation, interruption and delay insurance1 for multiple trips throughout the policy year.
Family Coverage
We offer an additional coverage option for your eligible dependent children, even when they’re travelling on their own.
Travel insurance that really soars
Your MEDOC® Travel Insurance also includes:
- Pet Return
- Dental emergency
- Vehicle Return
- Medical Emergency*
- Baggage protection
- Extended Travel Options
- Home Bonus2
Have questions? We’re here to answer them
Coverage can be purchased regardless of health status. Our policy provides coverage for pre-existing medical conditions as long as the stability requirement, where applicable, is met prior to booking your trip for trip cancellation, or prior to your date of departure for emergency medical coverage and trip interruption and delay. In most cases, MEDOC® Travel Insurance requires 90 days of stability for pre-existing medical conditions. For additional information about the stability requirement specific to your policy, please speak to one of our agents.
Stable means any medical condition or related condition (including any heart condition and/or lung condition), other than a minor ailment, for which all of the following statements are true:
- there has been no new diagnosis, new treatment or new prescribed medication;
- there has been no change in treatment or change in prescribed medication (including the amount of medication to be taken, how often it is to be taken, the type of medication or changes in treatment frequency or type); Exception: i) the routine adjustment of Coumadin or Warfarin, insulin or oral medications to control diabetes, (as long as it is not newly prescribed or stopped); or ii) a change from a brand name medication to a generic brand medication (provided the dosage is not modified);
- there has been no new symptom, more frequent symptom or more severe symptom experienced;
- there has been no test result showing a deterioration;
- there has been no hospitalization or referral to a specialist (made or recommended) and there is no further investigation for which results are pending.
With MEDOC®, you don’t have to worry about not qualifying for coverage because you’ve reached a certain age . If you are concerned about your coverage in relation to your age, do not hesitate to contact us by phone at 1.866.606.3362 or by email at [email protected]
Yes, you can extend your coverage after the date of departure from your province of residence. You must contact us prior to your coverage lapsing and one of our agents will be able to assist you. Please note that there may be a premium adjustment. In case you have already experienced a claim during your trip or believe you have reason to submit a claim, please allow at least 3 business days prior to your coverage lapsing, as your file will need to be reviewed and approval received, prior to an extension request being granted.3
Group benefits made easy
We help members make the most of their group insurance. Whether you prefer online self-service or a reassuring voice over the phone—we’re here for you.
Long Term Disability
Protect your ability to earn an income.
As a health care professional, you are aware of the risk of becoming disabled at any age. Make sure you protect your income with Long Term Disability Insurance (LTD). LTD gives you the flexibility to choose the level of coverage you need, and the benefits are tax-free.
How much coverage do you need?
You should choose enough LTD coverage to cover your monthly expenses. If you are unable to work due to an illness or injury and are approved for LTD, then you would receive a monthly tax-free benefit. The amount of Voluntary LTD coverage you choose is in addition to the Base Plan LTD coverage. The combined LTD coverage must not exceed 67% of last year’s average gross monthly earned income.
Additional Information
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Long Term Disability Insurance Rates (PDF) (70.87 KB) -
Life, Accidental Death and Dismemberment and/or Long Term Disability Insurance Application (PDF) (1.2 MB) -
Benefits Program and Coverage Details (PDF) (1.73 MB)
Please complete the above application, save, and submit to [email protected] along with any supporting documents.
Critical Illness
Critical Illness Insurance helps you focus on your road to recovery.
Receiving a critical illness diagnosis can be devastating. During this difficult time, you shouldn’t have to worry about your finances. Optional Critical Illness Insurance is an optional coverage option that provides a tax-free lump sum benefit that you can spend as you choose. This might be to cover your bills while you are unable to work, to pay for medical treatments that aren't covered by government or private health insurance plans, or to provide extra support for your family.
How does critical illness insurance work?
Basic Critical Illness covers you for six of the most common critical illnesses. Enhanced Critical Illness covers an additional 16 conditions. If you are diagnosed with one of the illnesses covered by your plan and complete the waiting period, you will be eligible to receive the benefit amount specified in your plan.
Additional Information
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Guide To Filling Out A Claim (PDF) (170.13 KB) -
Benefits Program and Coverage Details (PDF) (1.73 MB)
Accident
We can’t guarantee that accidents won’t happen - but we can be there to help if they do.
Getting into a severe accident is already a traumatic experience, but it could also have serious financial consequences. Make sure you and your family members are covered with Accidental Death & Dismemberment Insurance (AD&D).
How does it work?
AD&D provides tax-free funds if you or a family member dies or is injured in an insurable accident. AD&D can be added to a Term Life Insurance policy, to provide extra coverage in the event of an accident.
Additional Information
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Accidental Death and Dismemberment Insurance Rates (PDF) (54.19 KB) -
Life, Accidental Death and Dismemberment and/or Long Term Disability Insurance Application (PDF) (1.2 MB) -
Benefits Program and Coverage Details (PDF) (1.73 MB)
Please complete the above application, save, and submit to [email protected] along with any supporting documents.
Term Life
Take care of your loved ones - even if you cannot be there.
The loss of a loved one shouldn’t be made worse by worrying about finances. Make sure that you have enough life insurance to help support your family if something happens to you. Term Life Insurance gives you coverage for a set amount of time, with an affordable premium. Even if you already have life insurance through another plan, you can top-up your coverage with Term Life Insurance.
How much life insurance do I need?
You can choose how much life insurance coverage to apply for, to reflect your loved ones’ needs. It is recommended that you and your spouse are both covered by an amount of life insurance equal to at least five times your annual income.
Additional Information
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Term Life Insurance Rates (PDF) (82.45 KB) -
Life, Accidental Death and Dismemberment and/or Long Term Disability Insurance Application (PDF) (1.2 MB) -
Benefits Program and Coverage Details (PDF) (1.73 MB)
Please complete the above application, save, and submit to [email protected] along with any supporting documents.
Health
Make wellness a top priority with extended health care.
Health and vision care costs can add up pretty quickly, even when you’re healthy. Our Extended Health Care (EHC) plan covers many medical expenses not eligible under government plans, such as vision care, hearing aids, practitioners, and drug coverage.
Health coverage is more affordable than you think!
The EHC plan comes with affordable monthly premiums that are tax-deductible, so you can be better prepared for planned and unplanned health and vision care costs, all year long. You can also add the Optional Hospital benefit to your EHC plan to help you to be as comfortable as possible during a hospital stay.
Additional Information
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Extended Health Care and Optional Hospital Insurance Rates (PDF) (77.91 KB) -
Dental Care, and/or Extended Health Care Application (PDF) (642.98 KB) -
Benefits Program and Coverage Details (PDF) (1.73 MB)
Please complete the above application, save, and submit to [email protected] along with any supporting documents.
Dental
Toothache? Our dental plan can make the bills a lot less painful.
Most dental services are not covered by government plans. So, you need to make sure you’re covered for all your expected and unexpected dental needs. Our Dental Insurance plan provides comprehensive services for you and your family. This includes preventative services like regular oral exams and cleaning, as well as restorative services.
Dental coverage is more affordable than you think!
Dental care can get expensive. The good news is our plan has coverage limits to keep monthly costs within your budget. Also, did you know that your monthly dental insurance premiums are tax deductible?
Additional Information
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Dental Insurance Rates (PDF) (58.99 KB) -
Dental Care, and/or Extended Health Care Application (PDF) (642.98 KB) -
Benefits Program and Coverage Details (PDF) (1.73 MB)
Please complete the above application, save, and submit to [email protected] along with any supporting documents.
Trip Cancellation
Sometimes, a change of travel plans is unavoidable. At least you can avoid losing all your money!
You’ve spent months planning that special vacation, but a personal emergency or bad weather could cost you your trip. Make sure you’re covered with Trip Cancellation Insurance.
What’s covered?
Trip Cancellation Insurance gives you coverage for a variety of scenarios that may lead to trip cancellations. It also may cover you for travel delays or interruptions you might face, such as flights cancelled due to bad weather, or a delay that causes you to miss a connecting flight. Baggage delayed? You’re covered for buying the essentials while you wait for your luggage to join you.
Additional Information
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PDF Trip Cancellation Insurance Brochure and Enrollment Form (PDF) (131.62 KB) -
Benefits Program and Coverage Details (PDF) (1.73 MB)
Please complete the above application, save, and submit to [email protected] along with any supporting documents.
Have questions? We’re here to answer them
The Members Only (Group Benefits) section is a self-service option for those customers who are members of a group benefits program for health, dental, life and other types of personal insurance, usually offered through their employer. If you are a member of a group benefits program through Johnson, this is where you can find out about your coverage, see copies of correspondence mailed to you and, if your plan or policy allows, submit online claims for quicker reimbursement.
If you're a new user, visit our Group Benefits section to request a confidential user name and password.
You can change your address on the Members Only website, or you can contact the Johnson Claims Department toll-free, 24/7, at 1.800.804.0087.
The Members Only website will show you your coverage, or you can contact our Claims Department.