Personal health insurance products help lower your risk of being burdened by expenses for preventive care or medical bills as a result of an illness or accident. While provincial health plans provide coverage for many health expenses, there are gaps that can have a significant impact on your finances. For example, depending on the province or territory where you live, you may have to pay for:
• Prescription drugs to treat a chronic or serious health condition
• Emergency medical services provided in another country
• Practitioners like physiotherapists to promote wellness or help with injury recovery
• Medical equipment to assist with your mobility

You should consider personal health insurance if:
• You don’t have health benefits through your employer
• You’re losing your group coverage
• You’d like additional benefits not offered by your employer’s plan