Health and Dental Insurance

Health Insurance

Welcome to your health and dental insurance guide. This page will give you a good understanding of health and dental insurance, will inform you of savings opportunities in health insurance, and also provide a number of other useful tips based on our publications. The Canadian publicly funded health care system provides coverage to all Canadian citizens, offering reasonable access to health care from doctors and hospitals through provincial and territorial health insurance plans such as OHIP in Ontario or RAMQ in Quebec. Private insurance pays for services that typically are not covered by government plans such as:

–  Dental Insurance Plan
–  Prescription and Drugs Insurance Plan
–  Vision Benefits

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What are some additional sources of health and dental insurance?

In addition to government plans there are several other sources of health insurance that you might already have. It can help you to save on health insurance costs:

  •  Group Insurance: Often your employer offers group health insurance benefits as a part of your compensation.
  •  Credit Cards: Credit cards are often a source of health Insurance if you have an urgent issue while traveling abroad. They typically cover only emergency medical expenses.
  •  Dependents: You can be covered by your spouse’s group policy if you are included as a dependent there.

How Can You Save on Health Insurance?

  • Professional Membership: Are you a member of a professional organization (e.g. Certified Management Accountants of Canada or The Air Canada Pilots Association)? Then some insurance companies offer you a discount
  • Great health history is rewarded: If you were healthy in the past, it will definitively find its reflection in the premiums. Having issues with health and especially defined pre-conditions can drive your premiums up or even exclude some illnesses from your insurance policy.
  • Good health: If you are in a good health and have a good build (ratio of weight and height) when you apply for a life insurance policy, insurers will reward that with lower premiums.
  • Non-smokers:  Stop smoking well in advance (at least a year) before applying for a policy – otherwise your premiums will double.
  • Benchmark your costs: Knowing how much other consumers similar to you pay for their insurance can help you identify the most cost-friendly insurance providers.
  • Annual review: Review your policies, elements of the health insurance plan and coverage every year, since new discounts could apply to your new life situation if it has changed.
  • Shop around: Search, Compare, and switch insurance companies. There are many insurance providers and their price offerings for the same policies can be very different

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Our Publications related to Health Insurance

Life Insurance After Heart Attack - How Much Does It Cost?

Life Insurance After Heart Attack - How Much Does It Cost?

A heart attack is a terrible experience for the person who has one and for that person’s loved ones. There are many reasons why you could suffer a heart attack, from inherited heart disease, stress or an unhealthy lifestyle. If this isn’t bad enough, after you have a heart attack, you face another c[...]
Life Insurance for People with Diabetes – How Much Will It Cost You?

Life Insurance for People with Diabetes – How Much Will It Cost You?

  A diabetes diagnosis can be frightening. Some common thoughts are: Will I have to inject insulin? Do I have to give up all sugars?  How will the disease affect my quality of life? While your doctor will help you navigate through steps you must take to live a rich, full life with diabet[...]
Cystic Fibrosis Life Insurance in Canada - What You Need to Know

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Life Insurance Policies: 15 Fine Print Traps to Know

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Getting life insurance might seem like a boring task, but at the same time it is quite important to pay attention to the fine print on your policy. Today we will guide you through 15 life insurance policy traps based on InsurEye consumer reviews and discussions with insurance expert Lorne Marr. [...]
Buying Life Insurance: 6 Different Ways with Pros and Cons

Buying Life Insurance: 6 Different Ways with Pros and Cons

There are several ways to buy life insurance and some are better than others. We put together a handy overview of purchase options, along with their major differences, pros and cons. 1. Captive Agents Buying life insurance through an insurance agent is the familiar way to buy life insurance. You t[...]