Home » Insurance » Everything You Need To Know About Health Insurance In Canada

Everything You Need To Know About Health Insurance In Canada


You can apply for public health insurance if you are a Canadian citizen or permanent resident. You do not need to pay for most healthcare services if you have coverage under Canada’s Medicare.

Health insurance

Source: Pexels

The Canada Health Act of 1984 governs Canada’s provincial and territorial publicly funded healthcare systems, which are commonly known as Medicare. You can apply for public health insurance if you are a Canadian citizen or permanent resident. You do not need to pay for most healthcare services if you have Medicare coverage.

The universal healthcare system leverages taxes to fund them. You will receive the Medicare health insurance card. You must show your health insurance card to the hospital or medical clinic if you want to use public healthcare services. Each province and territory has its own healthcare system.

In this article, you will learn about the various features and exclusions of health insurance or health care services that Canada provides to its citizens.

Things You Should Know

1. What is Medicare?

Canada Medicare is a national health program that provides health insurance to Canadians (public health insurance). Medicare covers medical services for Canadian citizens and legal long-term residents. Medicare is funded by taxes, and there are no out-of-pocket costs when you use medical services.

Medicare National Health Insurance does not cover expenses on prescription medicines, routine dental treatment, optometry, ambulance, and other medical expenses. Drugs administered during hospitalization are covered.

2. Who is covered by the insurance?

The provinces and territories of Canada run their universal health insurance schemes, which cover all citizens of the provinces and territories. The federal government provides financial support to public programs that fulfill the five criteria set out in the Canada Health Act, which include universal coverage for medically necessary hospital, diagnostic, and physician services.

2.1. Who is not covered by the insurance?

Undocumented immigrants, such as those refused refugee claims, those who stay in Canada through a legal permit, and those who enter the country “illegally,” are not covered by any federal or provincial program, though provinces and territories provide some restricted help.

Health insurance document
Source: Pexels

3. Why do you need an Extra Health Insurance?

Public Health Insurance in Canada covers the basic medical services under government health insurance schemes. You will need private insurance to cover expenses that are not covered by government medicare policies.

Extended health plans cover the following expenses:

  • Prescription drugs
  • Dental facilities
  • Physiotherapy
  • Ambulance service
  • Prescribed eyeglasses

The benefits of the healthcare system in Canada are as Follows

1. Open To Everyone

In Canada, the healthcare system, also known as Medicare, is available to all citizens and not dependent on an individual’s financial status. Hence health care is free in Canada.

2. Special Needs Care

Children, the disabled, and the elderly are all taken into consideration by Canada’s Medicare system. Senior adults, veterans, and disabled children require special care and attention, and the Canadian healthcare system was created with this in mind.

3. Programs for Health Education

The federal government of Canada, in collaboration with provincial and territorial governments, conducts health education initiatives regularly.

These education initiatives aim to increase citizen awareness so that people can avoid injuries and take a more proactive approach to general health issues so that illnesses can be recognized sooner and their impact reduced. The Canadian government covers the entire cost of these initiatives.

Healthcare in Canada
Source: Pexels

Some people believe that getting a private insurance plan is redundant, but they couldn’t be more wrong. While we are fortunate to have so many things covered by the provinces as Canadians, it is still insufficient.

What happens if something unexpected occurs? The best thing you can do is plan to ensure that you and your family are protected. Do not rely on Medicare to get you through all your medical problems.

Medicare is a tremendous help, but you will need supplemental health insurance to cover the rest in the end. If you want to be guided in other insurance-related topics, you may check the links to find if the listed articles are of your interest.


About Post Author

Leave a Reply

Your email address will not be published. Required fields are marked *