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If you are an employee fortunate enough to be covered by a group employer health plan, you generally have peace of mind that you and your family are protected from the high costs of health and dental care. But if you do not have an employer health plan you and your family are vulnerable to all healthcare expenses that are not covered by your provincial health insurance plan! That undoubtedly leaves you holding the financial burden of paying for routine expenses such as prescription drugs and trips to the dentist. Imagine the financial consequences that an unexpected serious illness or an accident could cause!
Personal Health Insurance is a personal or individual insurance plan that will protect you, your loved ones and your bank account from the healthcare and dental care costs that are not covered by our provincial government plans. Many Canadian Insurers offer a variety of Personal Health Insurance plans that will allow you to select that types of benefits that you require as well as the extent of coverage. Some companies offer guaranteed coverage as well as no age limit lifelong coverage.
As an individual or family, you would benefit from owning your Personal Health Insurance Plan if:
Canadian Provincial Health Care Plans provide coverage for very basic expenses such as Hospitalization and Doctor visits, but there are huge gaps in the system that can cause major financial burden when you are faced with out-of-pocket medical expenses. Personal Health Insurance Plans will general cover the following:
At Health Risk, we recognize that every individual or family’s needs will be unique to them when it comes to the types of Health and Dental Benefits that they require. Because each plan available by the Insurers offers a variety of product choices, it can become disillusioning for you to try to research each program to determine what plan will work for you. Health Risk is an independent Broker that has established partnerships with companies such as Sun Life, Great West Life and Manulife to enable us to provide you with the expert assistance you will require to steer through the maze of Personal Health Insurance products.
Let us talk with you to learn about your needs and budget and then direct you to the most appropriate programs to fit those requirements! At Health Risk, we are experts in Personal Insurance Plans and want to help you and your family to secure your future financial security!
We respectfully acknowledge that we are located on the traditional territories of many First Nations, Métis, and Inuit peoples who have cared for this land for generations. We honour their histories, languages, cultures, and ongoing contributions to our shared communities.
