PHI and HCC reprice effective April 1, 2025

January 16, 2025

As shared in December, we are repricing Personal Health Insurance (PHI) and Health Coverage Choice (HCC) rates for in-force and new business in 2025.

In-force Clients will have begun to see their new premium details on renewal notices as of January 1, 2025, before the rates take effect on policy anniversaries on or after April 1, 2025.  

For new business, Clients who purchase before April 1, 2025, won’t see an increase until after their first policy anniversary.  

Refer to the PHI and HCC premium rate change page for: 

  • all details by series, plan type and age bands,
  • frequently asked questions, and
  • the transition rules.    

Calls-to-action: 

Contact us: 

  • For in-force business, contact the Customer Care Centre at 1-800-800-4786:
    • English Press 1,2   
    • French Press 2,1,2
  • For new business, contact salesdesk@sunlife.com