Why Invest in Health and Dental Insurance?
Most of us are covered by provincial health insurance provided by the Canadian government and do not give much importance to private Health and Dental insurance. The common perception is that our provincial insurance plan will be sufficient and will cover most health-related emergencies. But this is not true. There are some of the necessary health care services that are not covered under your provincial insurance coverage. If you are not covered by private insurance then you have to bear the cost on your own.
Health care services like doctor-prescribed medication, any type of dental or eye care services, if you have to travel to another province for medical care and many more cases are not covered by your provincial insurance. However, If you have suitable health and dental insurance you will be covered and can save on expensive medical treatments across Canada.
Do You Know?
Health Insurance Plan coverage varies from one Canadian province to another.
In a few Canadian provinces, the cost of prescribed medication for certain illnesses is covered while you have to pay from your pocket in others. In case you suffer an accident or are diagnosed with a serious illness, it can be difficult for you to bear the cost of heavy medication and treatment. If you have personal Health and Dental Insurance then you will feel financially safe and will be stress-free in case you face any unplanned medical emergency. Apart from medical emergencies, personal health and dental insurance allows you to keep track of your health with the help of regular medical and dental health check-ups.
Benefits Offered by Health and Dental Insurance
- Coverage for both medical as well as dental emergencies.
- You can choose suitable coverage depending on your health needs.
- The premium of the policy will vary depending on the coverage you opt for.
- Dental and Health check-ups are covered.
- You don’t have to worry about varying costs of medical or dental services.
Coverage Offered by Health and Dental Insurance Policy
- A shorter waiting period comparatively.
- Illnesses that are not covered by your OHIP for example psychologists, physiotherapy and others.
- Cost of prescribed medicines.
- The policy covers some of the diagnostic tests like CT scans, Ultrasound, X-rays etc.
- Provision of regular health and dental check-ups.
- Eye-care services can be covered.
- You will be covered if you want to take better medical treatment abroad.
- You can buy additional coverage if you want in case you are in between 18 to 69 years.
- Coverage is given till you are 79 years old.
- Your policy also provides travel coverage for medical emergencies within starting 30 days of your travel.
- Travel coverage is valid for a maximum of 90 days throughout the year.
- Maximum coverage offered by health and dental insurance is up to $5,000,000.
Personal Health and Dental Insurance offer several perks as compared to provincial health insurance programs. There is a range of plans available offering different coverage options. You can choose from a range of deductibles and save on your premiums. Gujarat Insurance is a reputed and trusted insurance broker and we are dealing in personal health and dental insurance for years now. You can easily compare different insurance plans on our website, check coverage options and buy the most suitable policy suiting your health requirements.
Tips to Follow
- Explore and compare different plans available, the coverage they are offering and the rates.
- Choose coverage suiting your medical history and health condition.
- Buy a policy from a trusted and reputed insurance broker.
- You must read all the terms and conditions of the policy before making decision.
- Check for eligibility criteria that you have to fulfil and documents you need to submit.
Our team will be there to guide and assist you starting from the purchase of the policy till the claim process. Our insurance experts provide you with more clarity on different plans, answer all your queries and help you buy the most suitable policy at the best possible rate. We believe in transparency and discuss all the important details and policy exceptions/ limitations with you before you make a purchase. The policy we offer compliments your existing OHIP coverage so that you can avail maximum benefits. Our customer care experts are always available for assistance. We aim to make the entire process easy, fast and client-friendly.