The purpose of Private Health Insurance in Canada is to supplement the primary insurance coverage provided through the provincial health system.
Individuals under the public Canadian health insurance plan may find certain gaps in their insurance coverage that they wish to fill depending on their health and dental needs.
Private health insurance plans can be purchased by both companies and individuals to offset the insurance coverage requirements that go beyond the general primary care and hospital services offered by public health insurance system.
There are also personal health insurance options in Canada. Individuals may add supplemental coverage to their existing health insurance plan by buying an add-on to their insurance policy.
If you are part of a company that offers group insurance benefits, you can take advantage of your employer’s decision to provide health and dental insurance coverage to the entire workforce.
This arrangement often also has private insurance add-on options that employees can use to gain even greater insurance coverage for such things as necessary dental work.
There are many benefits that Canadians can get from having additional Canadian Private Health Insurance.
Some of these health and dental insurance coverage benefits include services such as vision and eye care, dental care, prescription drug medications and private or partially private hospital rooms.
These extended health and dental services help Canadians cover those important health items that are missing from their public health insurance plan.
Other items that Personal Health Insurance Canada plans can cover include special care for on the job injuries and premium medical and elective health options including, in some cases, cosmetic surgery.
The public health system in Canada covers fundamental services relating to physician and hospital care. Private health insurance in Canada does not pay for these basic services.
In Canada the role of privately owned insurance is to pay for the additional coverage that many people find necessary to have. Without a supplemental plan of some sort to cover these costs, the individual has to pay on their own.
Private insurance that pays for private health care service also generally results in a shorter waiting time for certain types of health and dental procedures.
The Canadian health system is inherently a public system that provides coverage for most of the basic medical needs of the nation’s citizens. However, for other things like dental work, optometry services and chiropractic services Canadians need to obtain supplemental insurance coverage or pay the expenses themselves.
Some supplemental Canadian private health insurance policies also help with the cost of certain emergency services, including ambulance pick-ups and private hospital rooms that are not carried by the standard provincial health plan.