For those who are unable to have health coverage from their employer, or purchase insurance on their own, it is imperative that they know all of the resources that are available to them. There are a number of different options for obtaining medical care for those with no other option. A few other examples might be: friends and family members, government plans, charitable organizations and foundations. Learn about the health insurance in Canada that employers in Canada typically provide.    

Benefits of Health Insurance         

In its broadest form, insurance is a contract between two parties in which one party (the insurer) promises to pay the other party a fixed amount of money if something unfortunate happens to them.  

Most types of health insurance contracts include a policyholder and an insurer. The policyholder is typically referred to as the insured, or the person buying the coverage. The insurer is typically referred to as the provider or the payer.   

If you’re a Canadian who isn’t sure if he or she should get health insurance, this article will provide some insight on the daily benefits that Canadian residents enjoy. As an individual, buying your own health insurance can seem like a hassle and an overpriced expense that doesn’t really offer any noticeable benefits. However, there are many advantages to having your own personal cover. 

When you buy your own personal health insurance in Canada, you gain access to services that cover all of your medical care. This means that if you’re in need of care, it won’t cost you anything and will be covered by the insurance company. You’ll only have to pay for treatments that won’t be covered by your health plan. Though it’s best to inquire as to what they do cover so that you don’t run into any unpleasant costs later on.  

Some of The Conditions That Can be Treated With Your Health Insurance:  

  • Mental health issues such as depression and anxiety   
  • Drug and alcohol abuse
  • Prolonged illnesses or diseases such as cancer and diabetes

Provincial/territorial health insurance plans vary from province to province depending on the needs of each provider. In many cases, you’ll find that there are certain types of procedures that you won’t be able to claim for. This is often the case with chiropractic care and dental services. However, these procedures can usually be claimed for if you purchase private health insurance as well as your provincial healthcare plan.

By knowing about the types of procedures that aren’t covered by your provincial plan.  You can also make sure that you buy a plan that will be suitable for your needs. You’ll also want to find out if you can claim for other events such as chronic illnesses and prescription drugs.

Having your own personal health insurance is one of the best ways of taking care of issues. It’s important to remember, though, that you’ll want to make sure that you remain within your insurer’s coverage limits. In this way, you don’t end up with a huge bill at the end of the year.       


Here at Benefits Alliance, we provide our member firms with the necessary tools, resources. We also provide products and services that meet and exceed client expectations. Benefits Alliance member firms believe that helping their clients strategically promote and support their employees’ physical, mental, and financial well-being. This will positively impact not only their employees’ lives, but ultimately their businesses, too.