This page provides information to Canadians about family health insurance.
Keeping your family safe is usually a top priority, and a family health
insurance plan can definitely alleviate many of your concerns regarding
your family’s well-being.
Although Canada has a healthcare system in place that provides health
coverage to every citizen, Canadians will often buy a family health insurance
plan in order to cover those expenses that are not paid by the provincial
people obtain family health insurance coverage through their place of
work, or that of their spouse’s. However, if you do not have that
advantage, it may be time to purchase an insurance plan that suits you
and your family best. There are a number of plans available, so it is
wise to shop around.
There are numerous insurance companies, all of which offer various
plans. Talk to relatives and friends about their insurance coverage, and
ask them for the name and telephone number of the insurance companies
they would recommend. Contact not one, but a few companies to make an
appointment with one of their agents. Once you have gathered all the necessary
information, compare plans and the cost.
The First Step
Prior to buying family health insurance, you should determine
what type of coverage you need. For example, if you and/or members of
your family wear prescription glasses or contacts, you may want to buy
an insurance plan that includes vision care. Dental care is also an important
option as most provincial health plans do not pay for dental expenses.
Questions to Ask
Before making your final decision on a family
health insurance plan, ask the insurance company
the following questions:
- What does the plan cover and what does it exclude? All insurance plans
contain clauses with regard to exclusions or exceptions; they must be
read carefully and understood.
- Is it possible to combine two plans in order to better suit a person’s
- Does the plan cover any pre-existing conditions? Some plans will not
provide coverage for an existing medical ailment.
- How much will the monthly premiums be? You should be well-informed
on the details of your premiums, as well as the consequences of payment
- Is a medical exam required? With some companies, a medical exam is
mandatory; it can be performed either in your home or at a designated
While it may seem like a lot to do, your family’s health and your
well-being are important issues - family health insurance can give you
peace of mind.