A conversion privilege is a contractual right included in many group insurance plans that lets members move to an individual policy without medical underwriting when they leave the group. It is one of the most valuable provisions in Canadian group benefits because you can get individual coverage without health questions, as long as you meet the plan’s rules and apply within its window. The window depends on the plan — commonly 60 or 90 days from the date your group coverage ends — and some plans count it to your application while others count it to the date your new coverage starts. During this window, you can apply for a conversion plan from the insurer that held your group policy, and several other insurers also sell plans with no health questions to people leaving a group plan. Conversion plans can cost more than underwritten plans and may offer reduced benefits, but they are invaluable for anyone with pre-existing conditions.