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Individual Health Insurance

Individual health insurance is a type of health insurance coverage that is designed to protect individuals from the high costs of medical care. It can help pay for medical expenses not covered by government-sponsored programs or by other types of health insurance.

Individual health insurance provides protection against high-cost medical conditions and can help you manage your health care costs. 

Individual health policies are purchased directly from insurance companies and cover only one person. Unlike group health plans offered by employers, individual policies do not provide protection for family members. If a spouse or child has an existing illness, it will not be covered under an individual policy.

It’s important to have health insurance because it helps you pay for treatments and services that may otherwise be out-of-pocket. Without insurance, you could end up paying thousands of dollars out of pocket for basic care. An accident or unexpected illness can have serious financial consequences if you don’t have coverage.

 Here are some of the coverage that can be included in the plan:

  •  Health coverage 
    • Coverage for paramedical practitioners, from athletic therapists to psychologists;
    • Convalescent home services;
    • Ambulance services;
    • Private duty nursing care;
    • The appliances and supplies employees need to recover from accidents or illnesses;
    • Prescription drug coverage (including pay direct services);
    • Coverage for hospital stays and associated expenses;
    • Vision care services;
    • Dental accident;
    • Coverage for expenses incurred while an employee is outside of their province of residence;
    • Travel assist (Out of country emergency coverage);
    • Other medical expenses not covered under provincial health care plans; and
    • Survivor benefits.
  • Dental
    • Diagnostic services;
    • Preventive services;
    • Restorative services;
    • Major dental surgical coverage;
    • Periodontal services;
    • Endodontic services;
    • Denture repairs; and
    • Adult and child orthodontic service options.

If you’re thinking about buying individual private health insurance, we can help answer your questions about coverage options and plans. We’ll also help you compare different types of policies so that you can find the one that best meets your needs.