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Understanding Health Insurance

Health insurance encompasses a range of policies designed to provide financial protection in the event of illness, injury, or other medical needs.

With more and more changes in today's economy and health care system, there can be new unexpected expenses. 

These policies help cover the costs of medical care that may not be included in your provincial or territorial coverage. To benefit from health insurance, your policy must be in place before a medical event occurs.

Types of Health Insurance in Canada

For residents of Canada, there are five primary types of health insurance coverage available: 

(click any of the listed 5 types for more details and information)

Personal health insurance

Helps pay for health-care expenses not covered by your provincial/territorial or employer plan.

Critical illness insurance

Helps cover the costs of coping with and recovering from a covered critical illness.

Dental Insurance

Helps you manage the cost of dental care while ensuring you have access to quality treatment when you need it most.

Long-term care insurance

Helps pay for health-care expenses not covered by your provincial/territorial or employer plan.

Disability insurance

Helps replace part of your income if you can't work.

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