Health Insurance Icon

Health Insurance

What is Health Insurance

Health insurance is personal insurance coverage that protects your savings from the many healthcare costs not covered by government plans.  There are 4 different types of health insurance products that provide the protection you need at each stage in life.

Whether you’re self-employed, between jobs or retired, there is a perfect health care package of benefits available for you and your family through Blue Cross. With the ongoing changes to provincial health care plans, it is important to ensure you have affordable protection against unexpected medical expenses.

Why You Need it?

Canada has one of the best healthcare systems in the world—but that doesn’t mean your provincial government provides you with all the healthcare coverage you need.

As provincial governments cut back their levels of healthcare coverage, you may be left to pay for expenses such as:

Prescription drugs
Visits to the dentist
Eye exams
Paramedical services
Transportation by ambulance

Health Insurance gives you a simple, affordable way to fill the growing gaps in your government health insurance plan, and to protect your family from the rising cost of both unexpected and routine health-related services.

Are you Retired?

Supplementary health insurance will cover your medical expenses once you retire and become no longer eligible for the employee benefits plan.

Are you a Small Business Owner?

If you are self-employed and working within a limited budget or, perhaps, do not have a group benefit insurance plan set-up, you may consider getting a personal health insurance coverage that comes as a supplement to your Provincial Medical Care policy.

Are you seeking Additional Insurance Coverage?

Looking for an additional health insurance coverage for yourself or your dependents? Consider getting a supplementary healthcare policy for special needs that are not covered by your current group or work plan.


Indivdiual health insurance plans (also referred to as “personal” or “family” health insurance) typically offer the following benefits, some of which are optional:

Registered specialists and therapists
Dental benefits (basic and preventative services)
Prescription drug coverage
Durable medical equipment
Vision care (eyeglasses, exams, etc.)
Travel insurance
Hospital rooms
Ambulance transportation


Extended Health Insurance Icon

Extended Health Insurance

Personal health insurance products help lower your risk of being burdened by expenses for preventive care or medical bills as a result of an illness or accident.
Critical Illness Insurance Icon

Critical Illness Insurance

Critical insurance helps pay the costs associated with surviving a life-altering illness. If you suffer a covered illness, once the waiting period expires, you'll receive a cash payment that's yours to spend.
Disability Insurance Icon

Disability Insurance

Disability insurance helps protect your income if you become disabled and can't work. A few different types of disability insurance coverage options are available.
Long Term Care Insurance Icon

Long Term Care Insurance

Long term care insurance helps cover the cost when you require substantial assistance from others due to your diminished physical or mental abilities. It can help protect your retirement plans.