Health Insurance in Canada: What You Need to Know - New Canadian Media
Ontario Blue Cross
July 5, 2023
Living in Canada comes with the advantage of having access to universal health care that covers a large portion of your medical expenses  in the event of illness or accident. However, it’s important to note that this coverage is not immediately available to new immigrants or Canadians returning to Canada after an extended period abroad. Fortunately, there are insurance solutions specifically designed to provide all the coverage you need as soon as you arrive.
If you are a newcomer to Canada, you must register for the government health insurance plan in your new province. For example, residents of Ontario must apply through the Ontario Health Insurance Plan (OHIP). The same procedure applies to both immigrants to Canada and Canadian expatriates returning home.
It is important to complete the registration after your arrival. Keep in mind that there may be a waiting period before you receive your health insurance card, so we recommend that you send in your application as soon as possible. You can find detailed information on the application procedure on your province’s website.
Many people don’t realize the potential financial burden associated with medical treatment at a clinic or hospital after a medical emergency in the absence of coverage. Without health insurance, you are responsible for all medical costs related to accidents, injuries and sudden illnesses. Medical bills can skyrocket and you’ll have to pay for these expenses out of your pocket.
For this reason, the Canadian government recommends that newcomers purchase private health insurance while waiting to become eligible for their provincial health insurance plan. Your insurance plan must provide coverage for medical expenses and emergency costs.
Visitors to Canada insurance provided by Ontario Blue Cross covers emergency medical and dental care as well as hospitalization fees before your provincial health insurance coverage takes effect.
Originally designed for tourists travelling to Canada, this plan also meets your needs if you are:
Although your provincial health insurance plan will cover many medical expenses in the event of accident or illness, it is important to note that not all medical expenses are covered. Some examples include:
To address these gaps in coverage, it is important for Canadians to purchase private supplemental health insurance to ensure that all additional expenses that are not covered by the provincial plan are taken care of.
In conclusion, while Canada offers universal health care coverage, it is important to understand the eligibility process and potential waiting periods involved. By obtaining appropriate coverage, such as Visitors to Canada insurance, you can ensure that you have access to necessary medical services and alleviate the financial risks associated with accidents or illnesses. Don’t hesitate to explore insurance options and secure your well-being during your time in Canada.
Learn more about our Visitors to Canada insurance and get a free quote today.
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