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Health Insurance in Canada


Canada's healthcare system is publicly funded and managed by each province and territory. Here's an overview of health insurance in Canada:



Public Healthcare:

Universal coverage: All Canadian citizens and permanent residents are covered

Comprehensive benefits: Doctor visits, hospital stays, surgeries, and diagnostic tests are covered

No direct billing: Patients don't receive bills for medical services

Provincial and Territorial Plans:

Each province and territory has its own health insurance plan

Some services, like dental care, vision care, and prescription medication, may not be covered

Additional coverage can be purchased through private insurance plans

Private Health Insurance:

Supplemental coverage: Private plans cover services not included in public plans, such as:

Dental care

Vision care

Prescription medication

Travel insurance

Employer-sponsored plans: Many employers offer private health insurance as a benefit

Key Features:

Pre-existing conditions: Generally covered, but may require a waiting period

Pre-approval: Required for some services, like surgeries or specialized treatments

Referrals: Required for specialist visits

Popular Private Health Insurance Providers in Canada:

Manulife

Sun Life Financial

Great-West Life

Canada Life

Blue Cross

Note: While Canada's public healthcare system provides comprehensive coverage, private insurance can help fill gaps in coverage and provide additional benefits.


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