Best Health Insurance Companies in Canada

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One of the significant advantages that Canadians have is plenty of Insurance Companies to rely on. They provide different types of insurance. Many of them offer health insurance. It is great. However, it creates a challenge as to which ones are the best.

There are common denominators of what the health insurance covers. Each Insurance company likes to offer something that is unique. Or, something at least they feel is better than their competitors.

The following are ten of what many consider to be the best Insurance Companies. At least when it comes to the Health Insurance, they each have to offer.

Manulife

manulife

Manulife offers Insurance called Flexcare Health and Dental. It is a mix and match type of health insurance. It has a base number of products. For example, like coverage for prescription drugs and dental services. Then also a combination of both of these plus vision care. Also included is Extended health care coverage.

Optional are several adds on like hospital care and travel. Also, these are just a few examples.

FollowMe is another health care plan. It is one that is simple and affordable and can follow the insured when they change workplaces.

Sunlife Financial

Sun-Life-Financial

Sunlife is another large and well-known insurance provider. Among their products is health insurance. They like to refer to this as extended health care insurance.  Their website is quite simple and self-explanatory. They state they offer this type of insurance. Coverage is available for the entire family. The dental health care is not available as a separate package. It is part of the extended health insurance package.

GreatWest Life

great west life

GreatWest Life is an insurance company who focuses on two health care coverage packages. Enhanced Healthcare for Individuals or Families. In this category, the Company offers three different packages. These are the  Core, Core Plus, and Core Elite packages. They each over different amounts of coverage. Then there are extra add-ons that the insured can choose.

Plan Direct is another package offered through GreatWest Life. It is more for individuals who are about to retire. Or, for those that are leaving their company and going to another one. There is no medical exam needed.  They also accept applications from those with pre-existing medical conditions.

Ontario Blue Cross

ontario blue cross

Blue Cross is an insurance provider well known to Canada. It includes Ontario Blue Cross. For this province, there are several different plans. There is the Basic Blue Choice and the Basic Plus. Then there is also the Blue Choice Balance or the Blue Choice. Most of these plans are packages. There is one exception to this. It is the Blue Choice. This plan allows for individual choices for different coverage.

GMS Health Insurance

gms

It is an insurance company that seems to put most of their focus on extended health care. They offer a variety of different programs. There is the Omni Plan. It is for extended health care that is extensive. Then there is the ExtendaPlan. It focuses on more coverage. Some of its highlights are medical supplies and equipment. Plus, variations in medical specialists.

There is a Basic Plan. It would seem this plan is ideal for those that want something simple. Also, there is extra coverage. It is for those that want even more coverage.

Scotia Life Health and Dental Insurance

scotiabank

This extended health care seems appropriate as an add-on to other extended health plans. They do accept individuals and families. There are specific rules in place for those who are over the age of sixty-five. They appear to be quite strict about pre-existing conditions.

State Farm

state-farm

Some insurance companies put more focus on their health care coverage than others. State Farm offers many different types of insurance. It doesn’t appear as though they make the health care coverage any more important than the others. They advertise that their personal health care plans cover the same as their group plans. Among the list of coverage, they do include alternative care coverage. It may be more important to some people. There are a lot that is turning to natural health care. It can be expensive. To have some coverage for this might be appealing.

CAA

CAA-auto-insurance

For most, they think of CAA as just for vehicle-related services. They also have a branch of health care insurance. Coverage is via Manulife.  What is interesting is these plans pertain to age groups. The plans begin with the Basic Health Care Plan. Then from the pertinent age group, add-ons to the insurance are available. It means everyone can build a health coverage plan according to their specific needs.

Green Shield Canada

Green Shield

Green Shield Canada has been offering extended health care coverage for many years. They offer two individual plans. One is the Zone, and the other is Link. The Zone is for those who are new to private health care coverage. The Link is a transition type private health insurance. It for those who are leaving a private health care plan. Perhaps they are retiring for example. They want private coverage to continue. Within these two major categories there are several plans.

Limited Health Insurance

There are also several companies that offer limited personal health insurance plans. For these, some of them have chosen to focus on just one area. An area of health costs that can be substantial for individuals who need extra financial help.

TD Insurance

TD has chosen to streamline their health care insurance. They offer critical accident and critical care insurance. Also, they provide Accident and Sickness Hospitalization coverage.  The coverage provided is a little different. For those that want to go with just a few crucial sectors of health care coverage, it may be worth looking at this.

Ivari

Ivari

Ivari is another healthcare insurance provider. It has also chosen to offer specialty insurance in this category. They are focusing on critical care insurance. It is a type of insurance that is only applicable for those that have a critical illness.

These are the most common Insurance Companies that offer Personal Health Care Insurance. They all have many things in common. At the same time, they have each individualized their plans. Premiums will differ and so will their rules and regulations. Individuals need to shop carefully for the best health care plan for them.

Resources

https://www.clhia.ca/domino/html/clhia/clhia_lp4w_lnd_webstation.nsf/resources/Consumer+Brochures/$file/Brochure_Guide_To_Health_ENG.pdf