Guaranteed issue means an insurance plan that accepts all applicants without any medical questions, health screening, or underwriting. You cannot be declined, rated up, or have conditions excluded based on your health status. In Canada, guaranteed-issue health plans are available from several insurers, including Canada Life's Freedom to Choose Guaranteed Issue and GreenShield's Prism. These plans are particularly valuable for individuals with pre-existing conditions, those taking multiple medications, or anyone who might not qualify for underwritten coverage. The trade-off is that guaranteed-issue plans typically have higher premiums, lower benefit maximums, and longer waiting periods than underwritten plans. They may also have waiting periods for pre-existing conditions.