Government Health Insurance

Health insurance is available to all Canadians through provincial health plans. The services vary and have limits. Provincial health plans cover most medical expenses arising from an accident or sickness

  • transferable between provinces
  • when travelling outside Canada, emergency health services are covered to set limits (you pay the excess)
  • exclusions
    • payment for medical services which are available in your province if you choose to have them performed elsewhere
    • doctors: phone consultations, examinations for camp, certificates of fitness to work, transferring files, etc
    • hospitals: semiprivate or private hospital rooms, private duty nursing, ambulances
    • surgery: cosmetic
    • dental: other than hospital treatment for fractures or necessary jaw reconstruction
    • other: prescription drugs, medical appliances (e.g., artificial limbs)

Coverage for exclusions is available from individual or group plans.

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