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Did you know that if you move to a jurisdiction in Canada that has a waiting
period for public healthcare (Medicare) you will need private medical insurance
for your first 3 months?

Otherwise, you could be risking your life savings!

LEARN MORE ABOUT
CANADIAN HEALTHCARE


In British Columbia, Ontario, and Quebec and in ALL Territories, new residents
wait up to 3 months before being eligible for public healthcare. During the
waiting period even the high cost of hospitalization for an emergency would be
your liability!


APPROXIMATE MEDICAL COSTS THAT APPLY TO “UNINSURED RESIDENTS” & VISITORS:


FOR UN-INSURED RESIDENTS

Standard Ward: $1,000–$4,000+ per day Intensive Care: $3,000–$12,000+ per day
Emergency Room: $300–$700+ per visit


FOR VISITORS AND NON-RESIDENTS

Standard Ward: $3,000–$7,000+ per day Intensive Care: $5,000–$13,000+ per day
Emergency Room: $700–$1,000+ per visit

*Cost ranges (in CAD) are approximate based on data collected from ten urban
hospitals February 2017

MORE INFO



WHAT ARE MY OPTIONS?


WHAT ARE MY OPTIONS?


WHAT INTERIM (PRIVATE) MEDICAL INSURANCE OPTIONS ARE AVAILABLE FOR CANADA?

1

“VISITORS TO CANADA” MEDICAL INSURANCE

Most common type of interim medical plan for visitors and new residents

Most basic and lowest cost

Covers initial emergency medical services to treat a new accident or unforeseen
sickness

Little to no coverage for 'continuing medical care'

MORE INFO

2

“EXPATRIATE’S”
MEDICAL INSURANCE

More robust and comprehensive medical coverage

Higher sums of insurance available

Broader coverage of
continuing medical care

Medical underwriting option available for
pre-existing conditions

MORE INFO


WE CAN HELP.

Contact DCIS for more information about the health insurance options available
to you.

CONTACT US



WE ARE

 * Independent Insurance Brokers
 * Specialists in Health Insurance
 * Advocates for our clients


OUR CLIENTS ARE

 * Offered competitive solutions
 * Well advised
 * Supported at the time of claim




BLOG POSTS


BLOG POSTS


NEWS, TIPS & ARTICLES ABOUT HEALTHCARE & HEALTH INSURANCE IN CANADA


shared a post.
3 years ago

David Cummings Insurance Services Ltd.



Jason Cummings and Gwyneth Laidlaw outside the Canadian Museum of Human Rights
in Winnipeg where, for the 12th year, DCIS participated at the CBA Immigration
Law Conference. As Canada's premier conference on immigration, refugee and
citizenship law for lawyers, judges and public employees on the front-line of
immigration practice and policy-making, DCIS once again offered our knowledge
and experience in health insurance matters for the newcomer clients of these
conference attendees.






A new resident’s healthcare checklist




BEFORE MOVING TO CANADA

 * Learn about Medicare eligibility and enrolment rules in the
   Province/Territory you will move to. If you are moving to a Province or
   Territory with a Medicare waiting period, or if due to your immigration
   status or short duration of stay you won’t be eligible for Medicare, then…

 * After researching your options, buy interim medical insurance and let family
   or close friends know of your insurance details.
 * Bring a copy of your medical records with you to Canada.


AFTER ARRIVAL IN CANADA

 * Apply for Medicare in your new home Province/Territory as soon as possible.
 * Until you receive your government health coverage, carry your interim
   insurance ID card, and a photocopy of your Canadian immigration document to
   prove your resident status.
 * Learn about extended health and dental plans available to cover the types of
   healthcare expenses that your provincial plan does not cover.
 * Do not leave Canada without buying travel medical insurance because Medicare
   offers negligible coverage outside Canada!
 * If you will have extended absences outside your home Province/Territory,
   confirm if you meet minimum eligibility requirements for Medicare. If
   extended absences make you ineligible for Medicare you will want to consider
   buying an international (private) health plan.
 * Ensure that your visiting family and friends have emergency medical coverage
   for Canada!

Learn more by reading the Health Insurance Matters in Canada Guide.



See more
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DISCLAIMER: The information at healthinsurancematters.ca (“the Information”) is
meant to raise awareness and offer practical insights for the best interest of
the general public, but it not meant to be, nor should it be relied upon as
legal advice or a definitive statement of law in any jurisdiction. No liability
is assumed by DCIS Insurance Services for any actions taken as a result of the
Information. Individuals and corporations alike are urged to consult with the
appropriate government authority and/or seek legal counsel for case-specific
circumstances. While every effort is made to ensure the timeliness and accuracy
of the Information, the Information is provided strictly "as is" and DCIS
Insurance Services assumes no liability for the completeness or accuracy of any
of the Information.

canada@david-cummings.com

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health insurance matters in canada

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