What is personal health insurance?

Personal health insurance products help lower your risk of being burdened by expenses for preventive care or medical bills as a result of an illness or accident. While provincial health plans provide coverage for many health expenses, there are gaps that can have a significant impact on your finances. For example, depending on the province or territory where you live, you
may have to pay for:
  • Dental care. Coverage for checkups, cleanings, x-rays, fillings, dentures, crowns, bridges and more
  • Prescription drugs to treat a chronic or serious health condition
  • Emergency medical services provided in another country
  • Practitioners like physiotherapists, massage therapists, chiropractor to promote wellness or help with injury recovery
  • Medical equipment to assist with your mobility

You should consider personal health insurance if:

  • You don’t have health benefits through your employer
  • You’re losing your group coverage due to switching employers
  • You’d like additional benefits not offered by your employer’s plan

Personal health insurance products complement health coverage provided by your province. You must have ​provincial health coverage to be eligible for the personal health insurance products.
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