Individual Health Insurance in Canada

Flexible Options for Every Stage of Life (2026 Information). Information is available on protection from out-of-pocket medical expenses not covered by provincial plans.

Bridge the Gap in Provincial Care

While provincial healthcare (like OHIP) covers basic hospital visits, it typically ignores everyday essentials. Our individual health insurance plans complement government coverage to ensure you're never stuck with a bill for prescriptions, dental work, or vital therapy.

Health Insurance Options

Best for Customization

Flex Care Plans

Customizable coverage for individuals, families, and self-employed professionals.

Dental: From basic cleanings to major crowns
Drugs: Tiered reimbursement (70%–100%)
Standard: Vision, Paramedical & Travel included

Best for Transitions

Follow Me Coverage

Seamless transition for those who recently lost employer or group benefits.

No new waiting periods
No interruption in active drug coverage
Guaranteed approval if applied within window

No Medical Exams

Guaranteed Issue (GI)

Coverage designed for individuals with pre-existing medical conditions.

No medical questionnaires
100% acceptance regardless of history
Immediate protection for essential health

What's Included?

Depending on your plan, you'll receive robust protection for:

Prescription Drugs

Dental (Basic & Major)

Vision Care

Physiotherapy

Chiropractic

Massage Therapy

Psychology

Travel Emergency

Hypothetical Monthly Costs

Plan Type	Hypothetical Monthly Premium
Drug-only Plan	Hypothetical: $60 – $120
Dental + Drug	Hypothetical: $90 – $180
Standard Comprehensive	Hypothetical: $120 – $300
Guaranteed Issue	Hypothetical: $150 – $350

*Hypothetical scenarios for 2026 for illustrative purposes. Actual costs depend on age, province, smoking status, coverage level, and your chosen deductible.

Who Is This For?

Self-employed & Freelancers

Small Business Owners

People Between Careers

Early Retirees (Under 65)

Newcomers to Canada

How to Compare the Right Plan

1. Evaluate Needs

Do you take regular meds? Need major dental soon? How often do you use paramedical services like massage or physio?

2. Compare Metrics

Look beyond price. Compare annual maximums, waiting periods, deductibles, and reimbursement percentages.

3. Future-Proof

Choose a plan with guaranteed renewability so your coverage stays with you even if your health status changes later.

Smart Tips to Lower Premiums

Choose higher deductibles
Remove coverage you won't use
Apply while you are healthy
Bundle with Life/Disability

Common Mistakes to Avoid

Missing the Follow Me window

Underestimating drug costs

Ignoring waiting periods

Choosing GI plans unnecessarily

Inaccurate medical history

Frequently Asked Questions

Yes — especially if you require prescriptions, dental, or paramedical care not covered by provincial healthcare programs like OHIP or AHCIP. Provincial plans often leave gaps that can result in thousands of dollars in out-of-pocket costs annually.

You may qualify for a 'Follow Me' plan, which allows you to maintain similar coverage without new medical underwriting if you apply within the eligibility window (typically 60-90 days).

Yes. 'Guaranteed Issue' options are specifically designed for those with medical histories, providing coverage without health questionnaires or medical exams.

Yes, dental can be included through specialized Flex Care Dental Plans or as part of a comprehensive health insurance bundle.

Build Your Health Safety Net

Information is available to help build a health safety net. Engage with professionals to find options that may match your budget and protection needs.