What is Health Insurance
A Health Insurance plan purchased from an insurance company is designed to help you pay for medical costs not covered by your government health plan.
This can include routine expenses such as dental and vision care, as well as unexpected expenses like hospital stays or prescription medications. By offsetting these costs, a health insurance plan provides additional financial protection and peace of mind.
These plans are often referred to as "extended health care plans" because they extend your government health insurance plan benefits.
What is covered by a health insurance plan?
Plans can vary widely in terms of what items they cover. Below is a list of the types of benefits that can form an Extended Health and Dental Care Plan.
What insurance do you need and when?
Personal Health Insurance is the foundation of any sound financial plan and should be maintained throughout life - both in your working and retirement years.
Travel Insurance may be built-in to Personal Health Insurance plans, and is important both when travelling within and outside of Canada.
Types of health insurance in Canada
There are three different types of health care plans.
Which one is right for you and your family depends on your unique personal circumstances.
Why do you need personal health insurance if you have government healthcare?
While provincial and territorial health and drug plans in Canada provide coverage for some health expenses, there may still be gaps in coverage that can result in expensive medical bills. If you experience illness or injury, your government health plan may only cover a portion of your medical costs, and in some cases, you may receive no coverage at all. This means that you could end up paying for various healthcare expenses out of your own pocket.
By having a health insurance, you can receive reimbursement for eligible healthcare expenses that are not fully covered or not covered at all by your provincial or territorial healthcare plan. This can include expenses for medical, dental, vision, and other healthcare services, helping to reduce the financial burden of unexpected healthcare costs.
Learn More About Health Coverage in Your Province or Territory
Looking for specific details about government health insurance in your province or territory? Click on any of the links below to explore the coverage available under each region's Government Health Insurance Plan (GHIP). You'll find valuable information on eligibility, covered services such as prescription drugs, dental care, paramedical services, hospital coverage, and more.
Each page is tailored to provide a clear and comprehensive guide to the health benefits you are entitled to in your area, ensuring you can make informed decisions about your healthcare needs. Whether you're a resident or planning to move to a different province, we've got you covered.
How much does health insurance cost?
There are a number of factors that can affect plan pricing, including:
Age
Generally, insurance cost less for younger age groups, and more for older age groups.
Single, couple or family
Plan cost will vary depending on the number of people covered.
Province of residence
Plan cost can vary from one province/territory to the next.
Plan selection
Plans that include more benefits and higher coverage amounts come at a higher cost.
Get a quote online
Get an instant online quote in just a few easy steps.
Talk to an advisor
Get life insurance guidance from a licensed advisor.
Not sure
what you're looking for?
Take this questionnaire to discover our health and dental plans.