FAQ Health Insurance

Health insurance covers medical, surgical and dental expenses of the insured individual. Moreover, it will compensate for costs suffered from injury or illness.

Normally a health insurance plan covers health care, medications, diagnosis, medical and dental surgeries. Depending upon the type of your insurance policy, a good private insurance plan can provide coverage for the following:Emergency servicesMedical CheckupsMedical and screening testsSpecialized investigations like CAT-SCAN, etcDreaded diseasesMaternity benefitsIn-hospital medical treatmentOTC and prescription medicationsEye examinationsEyewearDental care and surgeryPhysiotherapyHearing aidsMedical equipmentAmbulance servicesParamedical services

Personal health and dental plans can cover prescription drugs, dental check-ups and cleanings, vision care, and paramedical services such as physiotherapy, chiropractic and massage therapy. Higher-tier plans add major dental work and more drug coverage. They are built for self-employed people, retirees, and families without group benefits.

You are eligible, if:Your age is between 18 and 64You are insured by provincial health insurance planSatisfy the medical underwriting criteria

The premium is calculated based on:Your ageYour sexYour coverage type

Many plans have waiting periods for some benefits, especially major dental work, which may only be covered after the first 12 months. Basic benefits such as prescriptions and check-ups often start sooner. Each insurer sets its own rules.

You will be denied or offered a plan with limited health benefits in case you have existing medical conditions. Some companies require individuals to complete a medical examination. Moreover, you will also have to meet the age requirements of the insurance company to successfully purchase health insurance.

Yes. Some personal health plans are guaranteed issue, with no medical questions, although benefits may be lower. Others ask health questions and may exclude a specific condition. We compare both types to find the right fit.

If you leave a job or retire, ask whether your group plan offers a conversion plan that you can join without medical questions, usually within 60 or 90 days of leaving. Buying a personal plan within that window can also give you guaranteed-acceptance options. Call us before the deadline and we will compare your choices.

Ontario no longer has a 3-month OHIP waiting period, but it can still take time to apply and receive your health card. Until then you can be billed directly for care. A private newcomer or visitor plan covers emergency care during that gap. Ideally buy it before you arrive.

Yes. Most universities in Ontario automatically enrol international students in UHIP (University Health Insurance Plan). For 2026-27, the UHIP student premium is $948 for 12 months. Many colleges use their own mandatory plans. Students who arrive before their school plan starts, or whose plan has gaps, may need a private student or visitor plan.

Usually not. If your school enrols you in a mandatory plan such as UHIP, you normally cannot opt out. Private student insurance is useful for coverage before the school plan begins, for family members, or for schools that do not include health coverage.

Only certified representatives can sell health insurance. They are highly experienced and knowledgeable to assess your needs and recommend the best product for you.

Yes, you can upgrade your health coverage plan. Simply contact your insurance representative and update your form today.

Claims are handled directly by your insurance company. Complete the insurer’s claim form for your coverage and send it to them with all supporting documents. The claims contact details are listed on your policy.