Personal Health Insurance
🩺 Personal Health Insurance: Fill the Gaps, Protect Your Health
While provincial and territorial health plans in Canada cover some medical expenses, they often leave gaps that can result in unexpected out-of-pocket costs. That’s where Personal Health Insurance comes in—helping you manage expenses not covered by government plans, so you can focus on your health, not your bills.
💡 What Is Personal Health Insurance?
Also known as private health insurance, Personal Health Insurance, Flex, etc. (and many other name and levels depending on the company offering it) helps Canadian residents cover the costs of both preventive care and unexpected medical expenses due to illness or injury. It’s designed to provide financial protection for a wide range of health-related services, including:
Prescription Drugs – For managing chronic conditions or serious illnesses
Dental Care – Including cleanings, braces, dentures, and crowns
Vision Care – Covering eye exams, prescription glasses, and contact lenses
Emergency Travel Medical Coverage – For unexpected medical needs when traveling abroad
Physiotherapy – To support recovery from injuries or surgeries
Medical Equipment – Such as mobility aids, orthotics, and other assistive devices
👥 Who Is Personal Health Insurance For?
Personal Health Insurance is a smart choice if:
- You’re Self-Employed or don’t have workplace benefits
- You Want to Top Up Your Employer’s Coverage for additional protection
- You’re Retired or Nearing Retirement and no longer have access to employee health plans
- You Want to Avoid Out-of-Pocket Expenses for services not covered by government or workplace plans
🌟 Benefits of Personal Health Insurance
Covers What Government Plans Don’t: Pay for medical services, therapies, and supplies that aren’t covered—or are only partially covered—by your provincial health plan.
Reduces Out-of-Pocket Costs: Helps manage the costs of prescription drugs, dental care, vision, physiotherapy, and more.
Protection Without Employer Benefits: Provides essential coverage if you don’t have a workplace health plan, giving you peace of mind at every stage of life.📋 Flexible Plans to Fit Your Needs
Choose from a variety of plans—ranging from Basic to Enhanced—so you get the right coverage at the right price. Whether you need just the essentials or more comprehensive protection, there’s a plan that’s perfect for you.
Not Sure Which Plan Is Right for You?
Our advisors are here to help! They’ll work with you to understand your health needs, compare options, and provide a customized quote tailored to your budget and lifestyle.
Protect your health. Protect your future.
Connect with an advisor today to find the personal health insurance plan that’s right for you!
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Need help getting started? Let’s make it simple, clear, and stress-free—so you can move forward with confidence.