When you plan to immigrate to Canada, one of your top priorities should be to locate the best Canadian medical insurance provider. There are a surprising number of excellent choices from which to choose.
The abundance of medical insurance providers upon which Canadians can rely is one of the most notable advantages. However, every medical insurance company likes to offer something different or superior to its competitors.
You must have found this post because you are looking for the best Canadian medical insurance provider.
We know what it takes to find a healthcare and medical career path that works for you. Also, yes! We are ready to assist you.
Consequently, based on research and existing customer reviews, this article will evaluate ten of the best Canadian medical insurance providers.
10 Best Medical Insurance Companies in Canada
So, below is a comprehensive list of top medical insurance companies that offer the best medical insurance regarding customer service ratings, benefits, coverage, and rates.
#1. Sunlife Medical Insurance Company
This company is one of Canada’s largest life insurance companies. The insurance company offers three health insurance options to choose from. They include Personal Health Insurance, Critical illness insurance, and Travel medical insurance.
In addition, they offer anywhere from 60-80% coverage on prescription drugs, dental coverage, and many other travels and paramedical services.
Likewise, Sunlife medical insurance company offers basic medical insurance coverage in four different plans.
- Whole Sunlife Medical Insurance Plan
- Term Sunlife Medical Insurance Plan
- Universal Sunlife Medical Insurance Plan
- Guaranteed Sunlife Medical Insurance Plan
#2. Manulife Health Insurance Company
This is one of the best medical insurance companies in Canada, which offers many types of permanent insurance. The medical insurance company has a long history of providing insurance and financial services in Canada and worldwide.
For over 100 years, Manulife has offered its clients financial protection through flexible, comprehensive insurance and wealth management products and services.
In addition, Manulife medical insurance company offers health and dental insurance plans that allow clients to select a level of coverage that fits their budget and family needs.
Aside from the regular health and dental plans, Manulife medical insurance company offers two other plans, which include:
- Flexcare plan
- Manulife FollowMe health and dental plan
Manulife FlexCare plan
This plan is specifically designed to help you deal with sudden medical and dental expenses not covered by provincial healthcare plans in Canada.
In addition, this plan is tailored to your family’s requirements and is available to all Canadians over the age of 18 with provincial health insurance coverage.
What advantages does the Manulife Flexcare plan provide?
This plan saves money on unexpected dental and health care procedures. In addition, if you ever change jobs or have health issues, you can keep your coverage with this plan.
You can also select the amount and kind of insurance coverage that best suits your and your family’s requirements.
Manulife FollowMe health and dental plan If you ever lose your benefits, this health and dental plan provides affordable coverage for you and your family.
Canadians who have lost their group benefits coverage within the previous 90 days can take advantage of this plan’s guaranteed insurance coverage.
In this instance, there is no need to complete a medical questionnaire, and applicants of any age with pre-existing medical conditions are eligible for insurance coverage.
What advantages does the Manulife FollowMe dental and health plan provide?
Instead of relying on an insurance company to provide coverage, the Manulife FollowMe health and dental plan give you complete control over it.
It’s also easier to sign up because there’s no medical questionnaire.
#3. GreatWest Life Medical Insurance Company
GreatWest Life Medical Insurance Company is one of the best medical insurance companies in Canada, which offers quality medical options for all facets of your life, including life insurance and critical illness insurance, among others.
It provides health plans to families and individuals with unique protection needs, such as Term Life Insurance and Permanent life insurance.
Beyond being a life and health insurance company, Great-West Life Medical insurance company offers other plans, which include:
- Investment and savings packages
- Retirement income packages
- Banking Services
- Group Benefits and retirement packages
- Business Owner Insurance
#4. Green Shield Canada Medical Insurance Company
This not-for-profit medical insurance company provides healthcare services, dental coverage, and group benefits, including administration services, at affordable rates.
Plans offered by Green Shield Canada The two plans offered by Green Shield Canada are as follows:
Zone of Green Shield Canada: suitable for people who are new to private health insurance.
Link for Green Shield Canada: People who already have private health insurance can easily switch to this plan. Contract workers and retirees are excellent examples of people covered by this plan.
#5. Group Medical Services (GMS) Medical Insurance Company GMS Health Insurance is one of the best medical insurance companies in Canada because it covers many medical expenses that are not covered by other private benefit plans or the government.
The company provides individualized support, with teams available round-the-clock to assist you.
Also, if you don’t have health insurance through your employer or want additional benefits that aren’t covered by your province’s health and drug coverage, the GMS medical insurance company might be your best option.
The following is a list of the various types of GM medical insurance plans:
Sixth Essential Plan: Basic Plan, OmniPlan, ExtendaPlan, and GMS. TD Medical Insurance Company The leading direct response insurance company in Canada, TD Medical Insurance Company provides high-quality insurance plans for travel, life, auto, home, and credit protection.
Their knowledgeable advisors will assist you in selecting the options that are most suitable for you, from obtaining a quote to making a claim.
Individuals and families can create an insurance package here that meets their financial and medical requirements.
#7. Through independent insurers, Ivari Medical Insurance Company provides a wide range of life insurance and critical illness plans.
In addition, the company offers a variety of insurance plans to assist individuals and families in selecting the best option for their protection requirements.
Popular plans provided by Ivari medical insurance company include:-
- Critical Illness Insurance plan
- Ivari Term Life Insurance plan
- Universal Life Insurance plan
#8. RBC Medical Insurance Company
RBC is another large and well-known insurance provider in Canada. This company provides term coverage for people looking for affordable insurance plans.
The following are popular plans provided by RBC medical insurance company
- RBC Hospital Insurance Plan: This plan will protect you and your family from hospital and recovery expenses that your other insurance provider may not cover.
- RBC Simplified Disability Insurance Plan: This plan helps to protect your income if you become injured or ill.
- Personal Accident Protection Plan: This plan helps to protect your family against sudden and unexpected injury.
- Critical Illness Insurance Plan: This plan helps to protect your lifestyle and help you recover from a severe illness.
#9. Blue Cross Medical Insurance Company
Certainly, Blue Cross is one of the best medical insurance companies in Canada, focusing on dental and travel insurance coverage needs and income protection on an individual and group basis.
In addition, each Blue Cross plan is deeply involved in its community and committed to improving the health and wellness of its clients.
Blue Cross medical insurance companies have more Canadians choosing them than any other provider because their plans are flexible and affordable.
#10. Last but not least, Scotia Life Health and Dental Insurance Company provide a wide range of coverage options for individuals and families. Additionally, they are well-known for providing coverage for a greater number of illnesses than any other insurance company.
It offers dental insurance and additional healthcare services to Canadians at cost-effective rates. They also provide financial products, such as annuities and critical illness policies, and their medical plans.
Health insurance is an insurance product that covers an insured person’s medical and surgical expenses in case of a medical emergency.
What are the things I should consider before buying my medical insurance policy?
Before making a health insurance policy purchase, you should consider your medical needs, the type of plan you want to invest in, the features of the plan, and customer reviews.
How much does a medical and dental insurance plan cost in Canada?
According to a report, an average household spends $4,000 on medical and dental insurance plans in Canada.
What is the eligible age to buy health insurance?
While the eligibility age for health insurance policies differs, the general eligibility age for adults ranges between 18 years to 70 years.
How often do Canadians pay for life insurance?
Payment plans and life insurance rates vary from one insurance company to the other. However, most providers allow Canadians to pay monthly, semi-annually (twice a year), quarterly (four times a year), and annually.
In conclusion, numerous medical insurance companies provide a variety of plans and policies. However, it is up to you to select a company that is ideal for your health and finances.
In addition, before signing up for any policies, it’s a good idea to read the terms and conditions.
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