A conversion privilege is a contractual right included in most group insurance plans that allows members to convert their group coverage to an individual policy without medical underwriting when they leave the group. This is one of the most valuable provisions in Canadian group benefits because it guarantees you can obtain individual coverage regardless of your health status. The conversion window is typically 60 to 90 days from the date your group coverage ends, depending on the carrier. During this window, you can apply for a conversion plan from the insurer that held your group policy — or in some cases, from other insurers that offer conversion products. Conversion plans are generally more expensive than underwritten plans and may offer reduced benefits, but they are invaluable for anyone with pre-existing conditions.