Extended Health Care Insurance

"Extended Health Care Insurance" is a type of health insurance coverage that supplements the basic medical coverage provided by government health plans. In Canada, where provincial health plans cover many essential medical services, extended health care insurance provides additional coverage for services and expenses not fully covered by these government plans. This type of insurance is designed to offer broader protection against healthcare costs, enhancing an individual's or family's financial security by covering a wider range of health-related expenses.

Key features of Extended Health Care Insurance include:

  1. Prescription Medications: Coverage for the cost of prescription drugs that are not covered by provincial health plans.
  2. Dental Care: Benefits for dental services, including routine check-ups, cleanings, fillings, and sometimes orthodontic treatments.
  3. Vision Care: Coverage for eye examinations, prescription glasses, contact lenses, and sometimes laser eye surgery.
  4. Medical Equipment and Supplies: Reimbursement for the cost of medical aids and equipment, such as wheelchairs, orthotics, and prosthetic devices.
  5. Paramedical Services: Benefits for services provided by healthcare professionals other than doctors and dentists, such as physiotherapists, chiropractors, naturopaths, and massage therapists.
  6. Hospital Stays: Coverage for the cost of private or semi-private hospital rooms, enhancing comfort during hospitalization.
  7. Travel Insurance: Emergency medical coverage for when the insured is traveling outside of their province or country, providing protection against potentially high costs of medical care abroad.

Extended Health Care Insurance can be purchased individually or may be offered as part of an employee group benefits package. The specific coverage details, including limits, deductibles, and co-payments, can vary widely between plans and insurers. This type of insurance plays a crucial role in comprehensive healthcare planning, offering individuals and families additional coverage to reduce out-of-pocket expenses for a wide range of health services and treatments.

Still have questions?

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