Why do you need health insurance?

Canada’s universal healthcare system, Medicare, provides free basic medical services to Canadian residents. However, it does not cover prescription drugs, dental care, vision care, ambulance services, and other medical expenses. To cover these additional costs, many Canadians choose to purchase supplementary health insurance.

Key Points About Supplementary Health Insurance:

​

• Does not cover services already included in Medicare.

• You must have Medicare (a valid health card) before applying for supplementary health insurance.

​

What Does Supplementary Health Insurance Cover?

✔ Dental care – Check-ups, cleanings, fillings, extractions, root canals, X-rays, and in some cases, crowns and dentures.

✔ Prescription drugs – Covers the cost of medications not included in Medicare.

✔ Rehabilitation therapy – Physiotherapy, chiropractic care, and other recovery treatments.

✔ Home care & nursing services – Assistance with daily medical needs at home.

✔ Ambulance services – Coverage for emergency transportation.

✔ Private & semi-private hospital rooms – Expenses for better accommodations in hospitals.

✔ Optometry & vision care – Coverage for eye exams, glasses, and contact lenses.

Cost & Reimbursement

​

• Insurance providers typically cover around 80% of eligible medical expenses within the policy limits.

• Policyholders pay the remaining portion out-of-pocket.

• Coverage options and premiums vary by provider, so it’s essential to compare plans to find the best fit for your needs.

Protect yourself from unexpected medical costs—get the right supplementary health insurance today!