Supplementary Health Insurance:
Canadians have access to both public and private health insurance plans. These plans are provided by provincial governments and insurance companies that sell policies to individuals and to employers, unions and associations that act as a group insurance sponsors.
Government or public plans provide comprehensive coverage of core health care services such as ward-level hospital acute care and most physician services.
Supplementary health insurance plans focus on non-core services that are not covered or not fully covered by government plans. They may be group plans sponsored by employers, unions and associations or individual plans that consumers purchase for themselves.
With the ongoing changes to provincial health care plans, it is important to ensure that you have affordable protection against unexpected medical expenses. Supplementary Health insurance is designed for individuals who want to cover their everyday health expenses that are not covered by your provincial or group health plan. Whenever you incur a medical expense, the Supplementary Health Insurance provides you with a benefit through a reimbursement. Reimbursements are only given to the individual if the medical expense incurred is approved by the insurance provider.
Medical expenses covered include:
- Prescription Drugs
- Visits to the dentist
- Eye exams
- Paramedical services
- Transportation by ambulance
Health care insurance is right for you if:
- You do not have group insurance coverage.
- You are retiring and you are leaving your group insurance coverage.
- You are self employed.