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Insurance products Extended health care plans insure a range of hospital and other health care expenses not covered by a provincial public insurance plan, including hospital amenities, prescription drugs, non-physician providers, vision care, medical devices, travel insurance and ambulance service.

Personal health insurance (also known as private health insurance) is coverage that can help Canadian residents cover the cost of preventive care or medical bills due to an illness. It can help pay for several health-related expenses, including: Prescription drugs to treat a chronic or serious health condition.

What is private insurance? Private health insurance refers to health insurance plans marketed by the private health insurance industry, as opposed to government-run insurance programs. Private health insurance currently covers a little more than half of the U.S. population.

Canada has a universal health care system funded through taxes. This means that any Canadian citizen or permanent resident can apply for public health insurance. Each province and territory has a different health plan that covers different services and products.

If you're one of the many Canadians who don't receive health benefits through work, we're here to say that yes, health insurance is worth paying for. And it's very likely that you'll use it. It will save you money AND help keep you healthy.

Differences Between the Systems. Americans pay more for healthcare than Canadians, and they can also face unexpected or sudden costs. There are many different private insurers, with different rules for reimbursement. Copays and deductibles vary widely.

Canada has a decentralized, universal, publicly funded health system called Canadian Medicare. Health care is funded and administered primarily by the country's 13 provinces and territories.

Government (public) health insurance plans give you access to basic medical services. Private health insurance often pays for things that government plans don't cover. If you work, you may get extra coverage from the company or organization you work for.

You pay a fee (also known as a premium) for coverage, usually monthly. Some health insurance plans have a deductible (the amount you pay out of pocket before your health insurance coverage takes effect). Some health insurance pays 100% of costs after deductible, others pay a percentage (coinsurance).