Health Insurance to Cover Drugs, Dental, Medical Services, Critical Illness and Long-Term Care Insurance in Canada

Illnesses and health care costs can cause financial ruin for a family living in Canada. Provincial Health Insurance Plans across Canada have been de-listing many services. A large number of expensive services are not covered at all or have reduced levels of service for people in Canada. Universal Healthcare does not cover:

  • Prescriptions drugs outside the hospital
  • Private or semi-private hospital beds
  • Out-of-country medical care
  • Home care
  • Chiropractic care
  • Massage therapy
  • Physiotherapy

At Life Guard Insurance, we recommend some form of health insurance for everyone to pick up where the Provincial Insurance Plan ends, and especially if you don’t have coverage through your employer in Canada. If you do have a group plan at work, we offer a complete review of your plan, and help you fully understand your benefits. We can also show you some new types of insurance that can provide money to help you recover from a critical illness or to cover the cost of long-term care.

If you are self-employed
Most entrepreneurs need private health insurance. The premiums are far less than the cost of expensive and ongoing health care costs you would have to pay out of your own pocket. And, health insurance premiums may be tax-deductible. Life Guard Insurance has access to all the major private insurance plans in Canada. One of our professional and knowledgeable insurance brokers can find the most affordable plan that suits your needs. We can also talk to you about a Private Health Services Plan for yourself and your employees to cover medical expenses.

Buying additional health insurance coverage
Some group health insurance plans are flexible, offering you coverage choices if you pay a portion of the premium, but most offer fixed terms and benefits. You can purchase individual insurance policies to cover critical illness insurance and long-term care insurance. These health insurance policies offer large amounts of financial protection if you are diagnosed with a life altering critical illness, like cancer, heart attack, stroke, bypass surgery, MS, and many more. They also cover your needs if you require help with the basic daily activities of living due to an injury, illness, or the aging process.