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Health Insurance
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What is private health insurance? Do I really need it?
Private health insurance (sometimes called individual or personal health insurance) covers Canadians for the costs of medical services that aren’t included in provincial health plans.
Your provincial health card looks after the basics (trips to the doctor or emergency room visits, for example), but you’re responsible for everything else: certain prescription drugs, vision services, physiotherapy, chiropractic, acupuncture, and more.
Ultimately, choosing to buy private health insurance is a decision only you can make. If you do decide to buy, we promise to deliver quality insurance – honestly.
Two health insurance options you can feel good about:
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GMS Care Network: Around-the-clock care
GMS Care Network is our assistance program available to all Personal Health, Replacement Health, and Group Advantage customers. It's a network of virtual secure services available to you any time, day or night.
Frequently Asked Questions (FAQs)
- How much does private health insurance cost in Canada?
The answer no one wants to hear: it depends. Our team considers your age, location, level of coverage, and medical history when we're pricing your plan. The good news is we’ve made getting a quote easy.
- How do I know which private health insurance plan is right for me?
There are a few ways to find out: you can call us and talk to someone from our Customer Care team, or spend a few minutes in our Help Me Choose health insurance plan recommender to see which plan best fits your needs.
- Do I need private health insurance to visit another part of Canada?
This shouldn’t come as a surprise since we’re a health insurance provider, but we think it’s a smart call. Your provincial health plan will cover basic services like a doctor’s appointment or a visit to the emergency room, but you’re on the hook for things like emergency ambulance rides, prescription drugs, and dental work. The last thing anyone needs on a trip is an unexpected medical bill, so why not plan ahead instead?
Don’t see your question here? Check out our full list of health insurance FAQs or contact us and we’ll get you an answer.