Government vs. Personal Health Insurance
Canada is recognized for its effective health care system. Although provincial governments provide its citizens with basic health insurance needs, there are many important health care factors that are overlooked.
When it comes to health insurance, all provincial governments offer limited coverage. The following is what most governments cover in full:
- One eye examination every 24 months
- Basic ward accommodations in hospital
- Regular physician visits
It is important to note that this list is not reflective of all the health insurance plans across Canada. Some provinces do not even provide full coverage for these basic needs, while others provide complete coverage.
Many families throughout Canada are left without proper coverage for regular dental care, vision care, prescription drugs, and unforeseen health emergencies.
This is the main reason supplemental health insurance is important to have. For a small price a day, you are providing yourself and your family with the proper health coverage needed to account for many unforeseen expenses that are not covered by the government system.
Why Might I Need Private Health Insurance?
Did you know that provincial healthcare plans do not cover all health expenses? The following costs are not covered by provincial healthcare plans BUT you could get covered by getting your own personal health plan!
- Routine dental procedures such as examinations, cleanings, and fillings.
- Major dental such as orthodontics, periodontics, crowns, and dentures.
- Prescriptions drugs
- Paramedical practitioners such as naturopaths, chiropractors, and massage therapist etc.
- Vision care such as optometrist fees, prescription glasses and contact lenses.
- Semi-private hospital and private hospital rooms.
- Travel coverage.
- Ambulance costs (land and air ambulance transportation).
- Accidental death and dismemberment.
Sources: Canada Health Insurance & Health Quotes Canada Blog
What About Pre-Existing Conditions?
If you have one or more pre-existing health conditions, you still have an option available for you – no worries. You can apply for a Guaranteed Issued Health Plan that does not involve any medical questions. A Guaranteed Issued Health Plan can provide coverage for such benefits as: health, drugs, dental, accidental death, dismemberment and more!
Already Covered Under Group Plans?
Some employers will offer some health benefits for their employees, however some of these benefits might not suit you and your family’s specific needs. Have you thought about what would happen should you change jobs or retire and your group benefits are lost? How would you maintain coverage for you and your family?
Health insurance may be a lot more affordable than you think, let us quote you… our plans are based on yours… 
