Get easily Best Health Insurance in Canada:
Personal health insurance (also known as private health insurance) is a type of coverage that can help Canadian residents pay for preventive care or medical bills caused by an illness. It can help pay for a variety of health-related costs, including:
- Prescription medications for treating a chronic or serious health condition.
- Dental care includes teeth cleanings, braces, dentures, and crowns.
- Requirements for vision care include eye exams and prescription glasses.
- Emergency medical services when traveling to another country.
- Physiotherapy can help with injury recovery.
- Medical equipment to improve your mobility
Table of Contents
Why do you need personal health insurance when you have government-provided healthcare?
In Canada, provincial and territorial health plans cover some health expenses, but they rarely cover all of your medical bills. In some cases, you may not receive any coverage at all, forcing you to pay for various health-care expenses out of pocket. Health Insurance in Canada
With personal health insurance, you will be reimbursed for eligible medical expenses. This can include medical, dental, vision, and other health-care expenses that are not fully (or at all) covered by your government-provided health insurance. Health Insurance in Canada
Our Personal Health Insurance Plans in Canada.
Basic:
- Low-cost plan.
- Provides basic medical and dental care.
- Learn more about the basic plan.
- Sample contract
Standard:
- This is our most popular plan.
- It provides more prescription drug coverage than a basic plan.
- Includes emergency medical travel coverage and optional preventive dental coverage.
- Learn more about the Standard Plan.
- Sample contract
Enhanced:
- This is our most comprehensive plan.
- The highest level of prescription drug coverage.
- Provides optional dental coverage, including restorative and orthodontic services.
- Learn more about the enhanced plan.
- Sample contract
Frequently Asked Questions
How much coverage do I have for prescription drugs?
It depends on the plan.
Basic plan: Provides 60% reimbursement for eligible expenses, with an annual maximum of $750.
Standard plan: Provides 70% reimbursement for the first $7,000 and 100% reimbursement for the remaining $93,000 in annual eligible expenses.
Enhanced plan: Provides 80% for the first $5,000 and 100% for the next $245,000 in annual eligible expenses. Health Insurance in Canada
Does personal health insurance include dental care? Health Insurance in Canada
Dental coverage is included in our basic personal health insurance plan. It provides 60% reimbursement for preventive dental care, with a $500 annual maximum. (A three-month waiting period applies before you can obtain this coverage.) Learn more about dental insurance.
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You can also choose to include dental coverage in our Standard or Enhanced personal health insurance plans.
Our Standard plan provides 70% reimbursement for preventive dental care, with a $750 annual maximum. (A three-month waiting period applies before you can obtain this coverage.)
Our Enhanced plan includes:
Preventive dental care is reimbursed at 80%, with a maximum annual payment of $750. (A three-month waiting period applies before you can obtain this coverage.)
Major restorative dental care is reimbursed at 50%, with an annual maximum of $500. (A one-year waiting period applies before you can obtain this coverage.)
Orthodontic services are reimbursed at 60% of the cost, with a lifetime maximum of $1,500. (A two-year waiting period applies before you can obtain this coverage.)
Does personal health insurance include vision care?
Only our Standard and Enhanced plans cover vision care.
Our Standard plan reimburses 100% of vision care costs, up to a maximum of $250 every two calendar years. (A one-year waiting period applies before you can obtain this coverage.) Health Insurance in Canada
Every two calendar years, our Enhanced plan reimburses you for 100% of your vision care up to $300. (A one-year waiting period applies before you can obtain this coverage.)