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- info@insuranceandinvestmentsolutions.ca
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Health and Dental Insurance
Why Select Insurance & Investment Solutions For Your Health And Dental Insurance Needs?
Have insurance advisors from diversified cultural backgrounds, assisting in different languages.
Have strong business relations with Canada’s leading insurance providers and experienced insurance brokers and financial advisors
Get best Health and Dental Insurance plans and rates from Canada’s trusted insurance providers in just 5 minutes.
Have helped thousands of Canadians in successfully filling claims over the last 10 years
Coverage By Health And Dental Insurance
There are some medical care costs that your Provincial Health Insurance plan does not cover. Private Health and Dental Insurance provide diversified coverage and cover those health-related expenses that are not covered by provincial health insurance like
- Dental care services.
- Vision Care along with eye tests, eyewear if suggested like glasses or contact lenses.
- Medication prescribed by a doctor.
- Cost of Practitioners like counselors, physiotherapists etc.
- Ambulance service.
- Cost of medical equipment.
- Emergency medical services while you are travelling.
Who Needs Private Health And Dental Insurance?
Every Canadian citizen and permanent resident is covered by provincial or territorial insurance. Apart from that most of the time, your employer covers you under a group health insurance plan. Still, there are certain situations where you need to have Private Health Insurance.
- When you are not covered by any health insurance plan by your employer.
- You have switched your job and are not covered by your employer group insurance plan anymore.
- You are a freelancer.
- Own your own business.
- Coverage and benefits offered by group insurance are not enough for you or do not meet existing requirements.
Common Misconceptions About Provincial Health Insurance
1. I Have Provincial Plan, I Don’t Need Private Health Insurance: Coverage under provincial health insurance varies from province to province. The plan mostly provides cover for health emergencies and do not cover regular health check-ups or services related with dental care, vision etc.
2. I am covered by My Provincial Plan While Travelling: The coverage you get is only some $100 per day that will not be sufficient in countries like United States where per day hospitalization cost is $10,000 for a night. Remaining amount you have to bear from your own pocket.
Interested In Buying Health And Dental Insurance? Tips To Follow
There are a few important things that you need to know and consider while purchasing Health and Dental Insurance.
1. Explore and Compare: There are several insurance providers in Canada offering similar insurance products but at different prices. Kt is important that you explore Health and Dental Insurance product from a different insurance provider and then make an informed decision. Some plans focused on providing advanced level dental services, and some focus on prescribed medication. The Premium you pay depends on the coverage you choose. It is suggested to work with an insurance broker who has in-depth knowledge of the product and can assist you in choosing the best option that fits your needs and budget most appropriately.
2. Clear Waiting Period for Availing Full Benefits: Insurance providers do not provide full coverage with all the benefits in the initial year of insurance to make sure that beneficiaries do not purchase insurance to get treatment for the health problem they already know they have. You have to wait for a year to get the full coverage that you purchased.
3. You can Customize Plans as per Your Specific Needs: For getting the best out of your insurance policy it is necessary that you invest money in what you need and not on coverage that you will never use. You must give a lot of thought while deciding on coverage and then take the final call.
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