{"id":35555,"date":"2026-03-31T11:11:28","date_gmt":"2026-03-31T15:11:28","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=35555"},"modified":"2026-04-07T17:56:18","modified_gmt":"2026-04-07T21:56:18","slug":"types-of-health-insurance-plans-canada","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/types-of-health-insurance-plans-canada","title":{"rendered":"Types of Health Insurance Plans in Canada: A Guide"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Types of Health Insurance Plans in Canada: A Guide<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-03-31T11:11:28-04:00\">March 31, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">16 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"Tammy Burns\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Tammy Burns<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/types-of-health-insurance-plans.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Types of health insurance plans in Canada: a guide\" style=\"object-fit:cover;\" 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class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Types of Health Insurance Plans in Canada: A Guide &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/types-of-health-insurance-plans-canada\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/types-of-health-insurance-plans-canada\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">Understanding health insurance in Canada<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-understanding-health-insurance-in-canada-0\">Understanding health insurance in Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-disability-insurance\">Disability insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-critical-illness-insurance\">Critical illness insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-hospital-insurance\">Hospital insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-travel-medical-insurance\">Travel medical insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-choose-the-right-health-insurance-plan-for-you\">How to choose the right health insurance plan for you<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-the-bottom-line\">The bottom line<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-rbc-disability-insurance\">RBC Disability Insurance<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>In Canada, we\u2019re fortunate to have universal health care coverage. Each province and territory offers its own health insurance plan, which generally covers services like doctor\u2019s visits, hospital care, emergency treatment, and certain diagnostic tests.<\/p>\n\n\n\n<p>At the same time, provincial and territorial plans don\u2019t cover every type of health-related expense. For example, routine dental care, prescription medications taken outside of hospital settings, and medical costs that arise while travelling internationally may not be included. Because of this, many Canadians choose to supplement their public coverage with additional health insurance.<\/p>\n\n\n\n<p>Some people receive this extra coverage through group health insurance plans offered by their employer, while some Canadians purchase private coverage to complement their provincial or territorial plan and any workplace benefits.<\/p>\n\n\n\n<p>In this guide, we\u2019ll look at four types of health insurance available in Canada with RBC Insurance \u2014 disability insurance, critical illness insurance, hospital insurance, travel medical insurance,\u2014 to help you understand how they work and what role they may play alongside provincial or territorial health coverage.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Canada\u2019s public health system covers essential medical care, but many services \u2014 such as dental care, prescription drugs, and paramedical treatments \u2014 may not be included.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Supplemental health insurance can help cover expenses that provincial or territorial health plans may not include.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Many Canadians receive supplemental health coverage through employer-sponsored group plans, but these plans can have limits and typically end if you leave your job.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Disability insurance can help replace lost income if you\u2019re unable to work due to illness or injury.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Critical illness insurance pays a tax-free lump-sum payout if you\u2019re diagnosed with a covered condition, such as cancer, stroke, or heart attack.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Medical care abroad can be extremely expensive, which is why travel health insurance is strongly recommended when abroad outside Canada.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The right health insurance depends on your situation, so review your current coverage, identify gaps, and compare policy options carefully.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-understanding-health-insurance-in-canada\">Understanding health insurance in Canada<\/h2>\n\n\n\n<p>Canada\u2019s public health care system helps ensure residents can access essential health care without facing large medical bills. However, these plans are designed to cover medically necessary services \u2014 not every health-related expense.&nbsp; Each province and territory decides which services are medically necessary and how much will be covered, if at all.<\/p>\n\n\n\n<p>The reality is, many everyday health costs may fall outside provincial or territorial coverage, including prescription medications, dental care, vision care, physiotherapy, and cosmetic procedures.<\/p>\n\n\n\n<p>When these costs crop up, Canadians often have to pay out-of-pocket. And the financial impact of a health issue can go beyond just the medical bill. A serious illness or injury may also mean time away from work and lost income.<\/p>\n\n\n\n<p>This can leave many Canadians financially vulnerable. An RBC Insurance poll found that <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/newsroom\/whats-the-plan-when-life-happens-most-canadians-dont-have-one-rbc-insurance-poll\/\" data-dig-id=\"LP-HealthInsurance-35555-5542f1bd\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"91 per cent of Canadians don\u2019t have critical illness insurance\" class=\"rbc-link-format\">91 per cent of Canadians don\u2019t have critical illness insurance<\/a> \u2014 yet 57 per cent say they worry about becoming seriously ill and not having enough savings. &nbsp;&nbsp;<\/p>\n\n\n\n<p>Because of this, some Canadians consider additional coverage to help manage certain costs that may arise during major health events. Options such as <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/injury-illness-insurance-coverage\/\" data-dig-id=\"LP-HealthInsurance-35555-e646cdf2\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"critical illness, disability, and hospital insurance\" class=\"rbc-link-format\">critical illness, disability, and hospital insurance<\/a> can help address gaps in provincial or territorial plans and provide an added layer of financial protection (and peace of mind!).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-disability-insurance\">Disability insurance<\/h2>\n\n\n\n<p>Before the age of 65, about one in four working-age Canadians will experience a disability that prevents them from working for an extended period of time.<\/p>\n\n\n\n<p>At the same time, many Canadians say they can\u2019t afford to take time away from work when they need it. An RBC Insurance poll found that <a href=\"https:\/\/www.rbc.com\/newsroom\/news\/article.html?article=123667\" data-dig-id=\"LP-HealthInsurance-35555-d2b61af1\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"50 per cent of working Canadians\" class=\"rbc-link-format\">50 per cent of working Canadians<\/a> said they would have liked to take time off work for their disability but couldn\u2019t afford to.<\/p>\n\n\n\n<p>Disability insurance is designed for situations like this. It can help to replace a portion of your income if you can\u2019t work, helping you keep up with everyday expenses while you recover. Some plans, like RBC Insurance\u2019s <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/\" data-dig-id=\"LP-HealthInsurance-35555-59d96a23\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"disability insurance\" class=\"rbc-link-format\">disability insurance<\/a>, may also offer support services, such as rehabilitation or job retraining, to help you transition back to work.<\/p>\n\n\n\n<p>There are <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/what-is-disability-insurance\/\" data-dig-id=\"LP-HealthInsurance-35555-a9399cc4\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"two forms of disability insurance\" class=\"rbc-link-format\">two forms of disability insurance<\/a>: short-term and long-term. The difference depends on how long the coverage lasts.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Short-term disability insurance<\/strong> replaces part of your income if you\u2019re temporarily unable to work due to an illness or injury. It typically provides a tax-free benefit for several months, but the exact duration varies by plan.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Long-term disability<\/strong> <strong>insurance <\/strong>usually kicks in after your short-term benefits end. It generally replaces a percentage of your income \u2014 often 60 or 70 per cent \u2014 with a tax-free benefit for a longer period of time. Again, this varies by the plan.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Who needs disability insurance?<\/h3>\n\n\n\n<p>Disability insurance can matter for almost anyone who relies on their income to pay the bills. But it can be especially valuable if you\u2019re the primary income earner in your household or have dependants. If you suddenly couldn\u2019t work, the financial impact could be significant \u2014 even devastating.<\/p>\n\n\n\n<p>While the Canada Pension Plan (CPP) and Quebec Pension Plan (QPP) offer disability benefits, eligibility requirements can be strict and benefits are based on your contributions. Private disability insurance may help to supplement those programs.<\/p>\n\n\n\n<p>It can also be worth considering if you\u2019re self-employed or don\u2019t have disability coverage through your employer. Without that safety net, your livelihood could be at risk.<\/p>\n\n\n\n<p>Even if you have coverage through an employer, insurers vastly differ in how they define \u201cdisability.\u201d Some plans only require that you\u2019re unable to perform the duties of your current job in order to receive benefits. Others may expect you to return to work in a different role if you\u2019re able to do so. In some workplace disability plans, for example, benefits may change if you\u2019re considered capable of working in another role or occupation.<\/p>\n\n\n\n<p>Individual disability insurance policies may offer more flexibility in how disability is defined, and some may continue paying benefits if you\u2019re unable to return to your regular occupation, even if you\u2019re capable of working in another role. As always, the exact terms depend on the policy.<\/p>\n\n\n\n<p>Another advantage of getting your own disability insurance is portability. Employer-sponsored plans typically end once you leave your job, whereas a policy you purchased on your own stays with you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-critical-illness-insurance\">Critical illness insurance<\/h2>\n\n\n\n<p>A critical illness is a serious, life-altering health condition. Common examples include cancer, heart disease, and stroke, which also make up the bulk of most critical illness insurance claims.<\/p>\n\n\n\n<p>With <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/\" data-dig-id=\"LP-HealthInsurance-35555-049fba06\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"critical illness insurance\" class=\"rbc-link-format\">critical illness insurance<\/a>, you receive a tax-free, lump-sum payment if you\u2019re diagnosed with a covered illness. Unlike disability insurance, which typically replaces income through monthly payments, critical illness insurance provides a one-time payout. And while disability insurance is designed for people who earn an income, critical illness coverage can be purchased by anyone.<\/p>\n\n\n\n<p>It\u2019s also different from extended health insurance, which helps cover medical expenses like prescriptions, dental care, and paramedical services. Critical illness coverage is triggered by the diagnosis of a covered condition.<\/p>\n\n\n\n<p>Conditions that may be covered (depending on your plan) include:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Blindness<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Cancer<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Coma<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Deafness<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Dementia<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Heart attack<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Kidney failure<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Loss of limbs<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Organ transplant<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Paralysis<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Parkinson\u2019s disease<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Stroke<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>One of the main advantages of critical illness insurance is flexibility. The lump-sum payment can be used as needed while you\u2019re recovering. That could be for hiring home care, making home modifications, or paying for treatments not covered by provincial or territorial health plans.<\/p>\n\n\n\n<p>Because of the flexibility \u2014 and the potential financial impact of a critical illness \u2014 some people choose critical illness insurance to complement other types of health insurance. If you purchase an individual policy, the coverage typically stays with you even if you change jobs or are between roles. Employer-sponsored coverage, on the other hand, may end when you leave the organization.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Who needs critical illness insurance?<\/h3>\n\n\n\n<p>Critical illness insurance can be worth considering if you want additional financial support in case of a serious medical diagnosis.<\/p>\n\n\n\n<p>For example, if you have a family history of conditions such as cancer or heart disease, this type of coverage may provide added reassurance. Those who work in high-stress jobs or have non-traditional work schedules may also want to consider critical illness coverage. Research has found that shift workers, for instance, <a href=\"https:\/\/www.cbc.ca\/news\/health\/shift-work-takes-a-toll-on-heart-1.1201241\" target=\"_blank\" data-dig-id=\"LP-HealthInsurance-35555-2c4a5d3b\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"may have a higher risk of heart-related health issues\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">may have a higher risk of heart-related health issues<\/a>.<\/p>\n\n\n\n<p>It may also be useful if you have limited savings, are self-employed, or have loved ones who rely on your income. In situations like these, a serious illness could create financial strain while you\u2019re recovering.<\/p>\n\n\n\n<p>For older Canadians, critical illness insurance can also play a role in planning for future long-term care needs. With <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/compare-critical-illness-insurance\/\" data-dig-id=\"LP-HealthInsurance-35555-88dd13c9\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"RBC\u2019s Critical Illness Recovery Plan\" class=\"rbc-link-format\">RBC\u2019s Critical Illness Recovery Plan<\/a>, between the ages of 55 and 65, you can convert some or all of your coverage to long-term care insurance without providing proof of insurability.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-hospital-insurance\">Hospital insurance<\/h2>\n\n\n\n<p>In Canada, hospital stays are generally covered by your provincial or territorial health plans \u2014 but there can still be limits. For example, if you want a private or semi-private room, that upgrade usually isn\u2019t covered. Some tests or procedures may also fall outside public coverage if they aren\u2019t considered medically necessary. In some provinces, ambulance services may also involve out-of-pocket costs.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.worldprotect.com\/health-insurance\/hospital-insurance.html\" data-dig-id=\"LP-HealthInsurance-35555-7e3d6442\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"Hospital insurance\" class=\"rbc-link-format\">Hospital insurance<\/a> helps to fill this gap. If you\u2019re hospitalized, the policy may provide a tax-free cash benefit that you can use however you need \u2014 whether that\u2019s paying for a private room, home care, childcare, or other everyday expenses while you\u2019re off your feet. Some plans allow you to choose coverage for accidents only, while others include both sickness and accidents.<\/p>\n\n\n\n<p>It\u2019s a lesser known but valuable coverage option. Most plans generally don\u2019t require a medical exam, and premiums typically don\u2019t increase with your age.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Who needs hospital insurance coverage?<\/h3>\n\n\n\n<p>Anyone could need hospital care at some point, but some may find this type of coverage especially helpful.<\/p>\n\n\n\n<p>For example, people who want the option of a private hospital room may appreciate having coverage for upgrades that are typically excluded in provincial plans. Parents or primary earners may also value the flexibility of a cash benefit that could be used for childcare or household expenses during recovery.<\/p>\n\n\n\n<p>If you don\u2019t have a workplace benefits that include hospital coverage, you might consider adding a hospital insurance policy as part of your broader personal health insurance coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-travel-medical-insurance\">Travel medical insurance<\/h2>\n\n\n\n<p>Getting seriously sick or injured is stressful enough. Having it happen while travelling can make things even more complicated.<\/p>\n\n\n\n<p>Provincial and territorial health plans provide limited coverage for medical treatment outside of Canada. Health care in other countries can be sky-high: <a href=\"https:\/\/www.healthcare.gov\/why-coverage-is-important\/protection-from-high-medical-costs\/\" target=\"_blank\" data-dig-id=\"LP-HealthInsurance-35555-d1fa660d\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"In the United States\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">In the United States<\/a>, fixing a broken leg can cost up to $7,500 (USD), and a three-day hospital stay averages around $30,000 (USD).<a href=\"#_ftn1\" id=\"_ftnref1\"><sup>[1]<\/sup><\/a> On top of that, it can be difficult to access the right help in an unfamiliar destination.<\/p>\n\n\n\n<p>Travel medical insurance can be a lifesaver. While general travel insurance covers things like trip delays or lost baggage, travel medical insurance specifically covers health care during your trip. This includes things like:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Doctor\u2019s visits<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Emergency hospital care<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Prescription medications<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Emergency dental care<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Medical evacuation and repatriation<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>With <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/travel-insurance\/travel-medical-insurance\/\" data-dig-id=\"LP-HealthInsurance-35555-941a77a5\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"RBC travel medical insurance\" class=\"rbc-link-format\">RBC travel medical insurance<\/a>, emergency medical bills may be paid directly to the hospital or provider. Depending on the policy you choose, there may be no deductible payment required.<\/p>\n\n\n\n<p>Another perk is 24\/7 worldwide emergency assistance. If you need help, most providers, like RBC Insurance, can help find trusted medical care, communicate with health professionals, and coordinate billing and treatment, wherever you are in the world.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Who needs travel medical insurance?<\/h3>\n\n\n\n<p>Travel health insurance is essential for anyone who plans to travel within Canada or aborad. Provincial health plans offer limited coverage outside Canada, and foreign medical bills can reach tens of thousands of dollars \u2014 often payable upfront. The <a href=\"https:\/\/travel.gc.ca\/travelling\/documents\/travel-insurance\" target=\"_blank\" data-dig-id=\"LP-HealthInsurance-35555-932859b5\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"Canadian government also recommends it,\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Canadian government also recommends it,<\/a> even if you\u2019re travelling for just one day.<\/p>\n\n\n\n<p>It may be especially useful for families travelling with children, retirees or snowbirds who spend extended time abroad, and anyone visiting destinations where medical care is particularly expensive, such as the U.S.<\/p>\n\n\n\n<p>Also, some destinations require proof of travel insurance to enter the country. Similarly, some tour operators may require travellers to have coverage before joining a trip.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-choose-the-right-health-insurance-plan-for-you\">How to choose the right health insurance plan for you<\/h2>\n\n\n\n<p>There\u2019s no single health insurance plan that works for everyone. The right coverage depends on your job, your family, your finances, and where you are in life. Here are some tips to nail down what you might need.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Assess your current coverage<\/h3>\n\n\n\n<p>Start with reviewing any benefits you already receive. Does your employer offer a benefits package? If so, what\u2019s included? And how much is covered? Some treatments or prescriptions may only be partially reimbursed.<\/p>\n\n\n\n<p>You should also understand what your provincial or territorial health plan covers. Many don\u2019t cover services like ambulance rides, physiotherapy, mental health counselling, and routine dental and vision care.<\/p>\n\n\n\n<p>If these are services you expect to use and they\u2019re limited \u2014 or you don\u2019t have workplace benefits \u2014 additional coverage may be worth considering.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Identify coverage gaps<\/h3>\n\n\n\n<p>Once you know what\u2019s covered, ask yourself if it would be enough if something unexpected happened. For example, even if your employer plan offers disability or critical illness coverage, the benefit might not fully support your household if you couldn\u2019t work.<\/p>\n\n\n\n<p>Tools such as RBC Insurance\u2019s <a href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance-calculator\/index.html\" data-dig-id=\"LP-HealthInsurance-35555-14a61ca1\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"disability insurance calculator\" class=\"rbc-link-format\">disability insurance calculator<\/a> and <a href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/critical-illness-insurance-calculator.html\" data-dig-id=\"LP-HealthInsurance-35555-02f2d5d5\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"critical illness insurance calculator\" class=\"rbc-link-format\">critical illness insurance calculator<\/a> can help estimate how much coverage you may need based on your income and expenses. You can use these figures to compare what you actually need against your employer\u2019s group plan, if you have one.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Consider life stage<\/h3>\n\n\n\n<p>Your insurance needs often change over time. Someone who\u2019s single and in their 20s likely needs different coverage than someone raising kids or planning for retirement.<\/p>\n\n\n\n<p>Think about your age and stage. Do you have dependants to care for? Are you retired and on a fixed income? Would your savings cover daily expenses for six months or longer if you became ill or injured?<\/p>\n\n\n\n<p>Answering these questions can help you ballpark what type and how much coverage you might need.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Compare coverage options and costs<\/h3>\n\n\n\n<p>Not all plans are created equal. Before you commit to a policy, compare what each one covers, how much it costs, and any limits that apply. Pay close attention to details such as exclusions, waiting periods, and deductibles so you understand exactly what the policy includes.<\/p>\n\n\n\n<p>For example, RBC Insurance offers a variety of disability insurance options catered to your profession, from tradespeople to small business owners, so you can ensure your coverage covers what you need while still being affordable. You can get a <a href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html\" data-dig-id=\"LP-HealthInsurance-35555-6c40a930\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"Disability Insurance Quote\" class=\"rbc-link-format\">Disability Insurance Quote<\/a> immediately online by answering just a few quick questions about your age and income.<\/p>\n\n\n\n<p>Travel insurance is another example of coverage with a variety of options. These plans vary depending on your age and how long you\u2019ll be away. There are also multi-trip annual plans. You can get a <a href=\"https:\/\/online.worldprotect.com\/cgi-bin\/weblinkca\/en\/travel-insurance.cgi?agency_code=RBCIDTO\" data-dig-id=\"LP-HealthInsurance-35555-13d16892\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"Travel Insurance Quote\" class=\"rbc-link-format\">Travel Insurance Quote<\/a> quickly online based on the type of trip you\u2019re planning.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Work with an advisor<\/h3>\n\n\n\n<p>If you\u2019re still unsure what level of insurance is right for you, consider <a href=\"https:\/\/services.rbcinsurance.com\/StoreAdvisorLocator\/\" data-dig-id=\"LP-HealthInsurance-35555-d59a64cc\" data-dig-category=\"LP-HealthInsurance\" data-dig-action=\"link click\" data-dig-label=\"speaking to a licensed RBC Insurance advisor\" class=\"rbc-link-format\">speaking to a licensed RBC Insurance advisor<\/a>. They can help you review your options, answer questions about coverage, and find a policy that fits your budget and needs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-bottom-line\">The bottom line<\/h2>\n\n\n\n<p>Health issues can be unpredictable, but preparing for them doesn\u2019t have to be. Understanding the different types of health insurance available can help you make thoughtful decisions about protecting both your health and your wallet.<\/p>\n\n\n\n<p>The right coverage will look different for everyone. What matters most is knowing your options, reviewing the coverage you already have, and choosing protection that fits your life today \u2014 and where you\u2019re headed next.<\/p>\n\n\n\n<p>If you\u2019re ready to get started, an RBC Insurance advisor can help you explore your options and find coverage that fits your needs.<\/p>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-disability-insurance\">RBC Disability Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-reg-font-size\">Help ensure your expenses are covered if you get sick or injured<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button has-custom-font-size aligncenter btn is-style-primary primary has-text-lg-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html\" rel=\"noreferrer noopener\" data-dig-id=\"LP-285-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/\" data-dig-id=\"LP-273-18de2c2e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-faqs faqs\">\n<h3 class=\"wp-block-heading\" id=\"h-faqs-about-health-insurance-in-canada\">FAQs about health insurance in Canada<\/h3>\n\n\n\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\">Is it worth getting health insurance in Canada?<\/h4>\n\n\n\n<p>Yes, additional health insurance can be worthwhile. While Canada\u2019s universal health care system covers many essential services, it doesn\u2019t include everything. Expenses such as ambulatory care, prescription drugs, dental care, physiotherapy, mental health services, and hospital room upgrades may fall outside provincial or territorial plans, which is why some people choose supplemental coverage.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Who is eligible for health insurance in Canada?<\/h4>\n\n\n\n<p>Most Canadian residents are eligible for some form of health insurance. Eligibility for private insurance plans can vary depending on factors such as age, medical history, and the specific policy. Some plans may also be available to visitors or temporary residents. A licensed RBC Advisor can help you review your options.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">How much does health insurance cost in Canada?<\/h4>\n\n\n\n<p>The cost of a private health insurance plan varies depending on the type of coverage and the individual. Factors such as your age, lifestyle, health history, and the level of coverage you choose can all affect the price. Workplace group plans are often partially paid for by employers, while provincial and territorial plans are funded through taxes.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Should I get health insurance if I\u2019m covered by my employer?<\/h4>\n\n\n\n<p>It depends on the coverage your employer provides. Some workplace plans have limits on certain services or benefits, so some people choose to supplement their group benefits with additional coverage to better match their needs.<\/p>\n\n\n\n<p>It\u2019s also worth remembering that group benefits are usually tied to your job and may end if you leave your employer, whereas individual policies typically stay with you.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Are health insurance premiums tax-deductible in Canada?<\/h4>\n\n\n\n<p>Yes, some health insurance premiums may be tax-deductible, but eligibility can depend on the policy and how the premiums are paid. Private health insurance premiums paid for yourself, your spouse, and your dependants may qualify as medical expenses under the Canada Revenue Agency (CRA) rules. However, employer-sponsored health plans and provincial or territorial health plans are generally not eligible to be claimed as medical expenses.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-what-happens-to-my-group-health-insurance-if-i-leave-my-job\">What happens to my group health insurance if I leave my job?<\/h4>\n\n\n\n<p>In most cases, your group health insurance ends when your employment ends. Some plans may offer the option to convert certain benefits to an individual policy within a set time period. Your employer or plan administrator can explain what options may be available.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Learn how common types of health insurance plans, from disability to critical illness and travel medical insurance, complement your provincial health plans and help protect Canadians.  <\/p>\n","protected":false},"author":208,"featured_media":35558,"comment_status":"open","ping_status":"open","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[46],"tags":[26,9],"article-type":[80],"ppma_author":[187],"class_list":["post-35555","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance","tag-health-and-wellness","tag-health-insurance","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Types of Health Insurance Plans in Canada: A Guide | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Learn how common types of health insurance plans, from disability to critical illness and travel medical insurance, complement your provincial health plans and help protect Canadians.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/types-of-health-insurance-plans-canada\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Types of Health Insurance Plans in Canada: A Guide | RBC Insurance\" \/>\n<meta property=\"og:description\" content=\"Learn how common types of health insurance plans, from disability to critical illness and travel medical insurance, complement your provincial health plans and help protect Canadians.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/types-of-health-insurance-plans-canada\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Insurance\" \/>\n<meta property=\"article:author\" 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