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Private MEDICAL Insurance Canada

Do Canadians need private medical insurance?

For many of us, the answer is yes!

Whether we live in the Maritime Provinces or in the Prairies, Canadians are virtually guaranteed access to free medical services. Our provincial care card covers doctor's visits, most blood tests and various procedures, so why the need for supplementary coverage?

Canada's Changing Health Care System

In recent years, the health care system has been changing. Services that once were completely covered are only partially covered or no longer being covered at all.

What's more, many believe that as the aging baby boomers reach their senior years over the next decade or so, the strain on Canada's health care system will become even greater and we can expect more changes -including higher costs- to the system we now enjoy.

The Job Market Has Changed

The way we make our living has also changed over the years. Many of us now work as independent contractors so company coverage isn't always possible. Also, there are fewer companies offering full or even partial benefits.

With so many changes, are you confused about whether you should consider purchasing your own policy? An independent broker, like IDC's team of agents, can help you find the best insurance coverage based on your individual/family/group needs. 

Most are not aware that you can have virtually uninterrupted coverage, even if you've lost or quit your job. If you were under your employer's group benefits plan, simply apply for coverage within 60 days. What's more, if you follow the 60 day guidelines, you can get a policy without having to fill out a medical questionnaire.

What Does Private Health Insurance Cover?

A private policy can save you money but it can also mean the difference between good health and unnecessary suffering. For example, you may have a condition that requires expensive prescription medication. Having to purchase medicine for critical illness or long term care can put a huge strain on a family's finances and in many cases, people simply can't afford to pay for it themselves.

An individual policy can be a huge safety net you need.

Here's a list of what our policies cover:

  • Prescription drugs
  • Vision care
  • Hearing aids
  • Ambulance
  • Semi-private hospital rooms
  • Accidental dental
  • Registered chiropractors, physiotherapists and massage therapists

Insurance Direct Canada works with the top policy providers in Canada to offer flexible comprehensive coverage at the best possible rates. Maybe it's time you looked into your options. The choices are improving all the time and in many cases the cost of insurance premiums can be used as a tax deduction.

Whether you're self-employed, between jobs, or retired -IDC can help you find the most affordable coverage. Contact us today and we'll be happy to answer all your questions on whole, universal, and term insurance. Along with mortgage, critical illness, and travel insurance as well as private medical, dental, and health plans.

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