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What is the Best Health Insurance in Canada for Individuals?

Votre meilleur choix pour un plan d’assurance-maladie individuel dépendra de certaines choses comme l’âge, le sexe, la province de résidence, le type de services de santé que vous engagez habituellement, et si vous avez récemment quitté un plan de l’employeur (dans les 60-90 derniers jours). Heureusement, BestQuote a les outils pour vous aider à trouver la réponse. Nous présentons des comparaisons détaillées des prix des quatre principales compagnies d’assurance santé (et dentaire) au Canada (Manulife, Sun Life, GMS et Green Shield), présentons les détails de la couverture dans un tableau comparatif pour faciliter l’examen, et nous sommes agréés dans toutes les provinces du Canada. (sauf le Québec), ainsi que les T.N.-O.

Obtenez un devis instantané gratuit pour les plans d’assurance-maladie de remplacement (lorsque vous venez de quitter votre employeur et pouvez éviter la souscription médicale et les périodes d’attente), ou les plans d’assurance-maladie personnels (lorsque vous devrez passer par la souscription médicale et obtenir approuvé pour la couverture), examinez les détails de la couverture, posez-nous des questions et achetez un forfait en ligne.

Les coûts des soins de santé augmentent, et de nombreux coûts, comme les médicaments d’ordonnance, ne sont pas couverts par les plans provinciaux. Le fait d’être couvert par votre propre assurance-maladie privée aide à contrôler les dépenses imprévues ainsi que les dépenses prévues, comme les soins dentaires et les médicaments sur ordonnance. Mais ne choisissez pas un plan fondé uniquement sur la limitation prévue des coûts - n’oubliez pas que certains de ces plans peuvent également vous aider à naviguer dans le système de soins de santé canadien si vous vous retrouvez avec une maladie grave ou une situation de santé chronique.

Being covered for unexpected changes in health (that require recently developed (higher cost) drugs, or for a motorized scooter for example), is an important consideration to evaluate when choosing which plan to choose. Having a private health plan that can help you obtain higher quality medical advice at the time of an unexpected critical illness or chronic sickness can be a life-saving feature worth paying a little extra for if you do not own a stand alone critical illness plan that features assistance with the Canadian medical system.  

Let's face it, the Canadian medical system can provide remarkably different levels of healthcare to those that are critically ill. For example, for a person that becomes ill with a heart-related issue, as long as they live close to a major urban hospital and get assigned to one of its higher quality specialists, the system can be world-class. But if that same person is subjected to regionalism (because they live nearby a suburban or rural hospital) or randomness (they don't get a special doctor), the outcome will be much different. And that difference can be life altering. One person may recover fully after a world-class treatment and rehabilitation, the other person will not be so lucky. Unless, they are covered by an insurance plan that provides them with access to a Best Doctors type level of diagnosis, treatment and care. While you can purchase Best Doctors international private health insurance directly, you can also access Best Doctors second opinion services when you select a Sun Life health plan, or purchase a critical illness insurance policy.

Which people typically buy individual health insurance plans?

The following types of people should consider being covered by their own private supplemental heath plan:

  • Anyone that will lose their group benefits due to retirement, loss of work, or a change of employment or marital status;
  • Self-employed individuals;
  • Retirees wanting to control health-care costs;
  • Part time workers not covered by an employer's group plan;
  • Workers of smaller businesses that don't offer group benefits.

How does BestQuote Help You Compare Health Insurance Quotes?

We have a wide variety of plans to choose from and can compare benefits and make individual recommendations based on your age, current health-care needs/expenses, and risk management issues. You will not find a better comparison quote for health and dental insurance anywhere in Canada. We have in depth knowledge and experience in choosing between the available individual health and dental plans, and through our Canadian health insurance website, we also help our clients with wait-list insurance, Best Doctors insurance, Health and Welfare Trusts, international expatriate medical plans, and critical illness insurance.

Here is a quick snapshot of some health and dental plans we offer, with links to each company page where you can find more detailed information, get a quote and apply online:

Manulife Health and Dental Insurance 

FollowMe Insurance:

This is one of the top-selling plans in Canada. If you’re leaving the company where you work you’re also leaving your company health plan. But that doesn’t mean you and your family can’t still have affordable, reliable insurance with coverage that may include prescription drugs, dental care, eyeglasses and more. 

Apply within 90 days of the end of your employer group health coverage and your acceptance is guaranteed — no medical questions required at time of application. Solid coverage at affordable rates, fast and easy electronic claims, no waiting period.

Four different plans to choose from: two with dental coverage (Essential Plus and Premier), and two without dental (Basic and Essential).

FlexCare Plans:

Nine different plans to choose from: three Core plans (Dental, Drug, or Combo) each with three different benefit levels to choose from (Starter, Basic, or Enhanced). 

These plans do require a medical questionnaire and application process which may take time or end up not being issued. The plans can be a bit less expensive than FollowMe (and certain waiting periods apply before full coverage begins). 

Association Plans:

Usually for small groups but can be issued on an individual basis. Four plans to choose from, each with varying coverage levels. These plans are also medically underwritten, and involve waiting periods before full coverage begins. No online applications.

GMS Health and Dental Insurance

Replacement Health Plans:

For people transitioning from an employer plan to a private plan of their own. Applications must be made within 60 days of the employer plan ending.

Three different plans to choose from: PremierPlan, ChoicePlan, and EssentialPlan. You can then add additional benefits such as dental, drugs, enhanced drugs, travel and/or hospital cash.  

Personal Health Plans:

For people that have waited too long to sign up for a Replacement Health Plan, or have not ever been covered by an employer plan but would like to get started in order to plan for and protect against ongoing higher expenses.

Three plans to choose from:  Basic Plan, ExtendaPlan, and OmniPlan. You can then add additional benefits such as dental, drugs, enhanced drugs, travel and/or hospital cash. 

Sun Life Financial Health (and Dental) Insurance

Health Coverage Choice

Replacement coverage with no questionnaire as long as you enrol within 90 days of being covered by previous employer group plan. Five plans to choose from, three with dental and two without. All plans come with Best Doctors consultation service.

Personal Health Insurance

Supplemental health and dental plans which are fully underwritten for individuals or families. Again, five plans to choose from, three with dental coverage and two without.

Clicks the links above to find out more.