Individual Health Insurance
Health insurance is a type of coverage that helps pay for medical expenses and healthcare services. Here's what you need to know:
What Health Insurance Covers
Basic Medical Services
- Doctor visits and specialist consultations
- Hospital stays and emergency room visits
- Prescription medications
- Diagnostic tests (X-rays, blood work, MRIs)
- Preventive care (vaccinations, screenings)
- Mental health services
- Dental care (cleanings, fillings, major work)
- Vision care (eye exams, glasses, contacts)
- Physiotherapy and rehabilitation
- Chiropractic care
- Massage therapy
- Paramedical services
- Universal coverage for all residents
- Covers essential medical services
- Hospital care and physician services
- Limitations: No coverage for prescriptions, dental, vision
- Employer group plans (most common)
- Individual/family plans
- Travel health insurance
- Critical illness coverage
- Supplementary hospital coverage
Frequently Asked Questions
Why do I need private health insurance?
Offers financial protection, faster access to specialists, private hospital rooms, and peace of mind.
What are deductibles and co-payments?
Deductibles are paid before coverage starts; co-payments are fixed fees per service.
What are coverage limits?
Sets maximum payouts per service, annually, or over a lifetime.
What are common benefits of private health insurance in Canada?
Prescription, dental, vision, paramedical services, and partial hospital coverage, usually 80–100% per service.
Why do I need supplementary health coverage?
Covers gaps in public healthcare, reduces costs, and improves access to care.
