Why You Need Health Insurance In Ontario

Individual health insurance coverage helps bring down your danger of being troubled by costs for emergency treatments or doctor’s visit expenses because of a disease or an accident. In Ontario, provincial health plans are accessible to all people eligible for the program. Such plans give inclusion to numerous wellbeing costs; however, some unprecedented expenses and expenses can significantly affect your finances. For instance, depending upon the region or domain where you live, you may need to pay for medications recommended by a physician to treat a persistent or genuine ailment, emergency medical treatment if you are travelling, medical equipment, and professionals like physiotherapists to advance wellbeing or help with injury recovery.

Health Insurance In Ontario Pictures of medical staff in graphic icon format

What is the Ontario provincial health insurance plan?

Your Ontario provincial health insurance plan (O.H.I.P.) qualifies you for essential medical services administrations at no charge, including:

  • Medically essential administrations gave by your P.C.P. or regulated in-clinic 
  • Eye tests (for people less than 20 years and more than 64 years of age)
  • Specific therapies considered therapeutically vital
  • X-rays, blood tests and other lab tests mentioned by a doctor
  • Emergency dental and oral medical procedures regulated in-clinic

However, it does not cover prescribed medications and eyewear, routine dental checkups and emergency medical treatments received in foreign countries. While this health insurance plan might significantly reduce the costs for you, it still has eligibility criteria, which include:

  • A resident of Ontario,
  • Present in Ontario for at least 153 days throughout the year, and at least 153 days during the first 6 months of your living in Ontario,
  • Canadian or permanent residency, or a convention refugee (only for Canadian/ permanent residents)
  • Valid work permit, or dependent child or spouse of a foreign worker who is eligible for this plan (for non-residents)

What if I do not meet the eligibility criteria for the Ontario health insurance plan?

In case you do not meet the criteria for the Ontario health insurance plan, you can always contact your insurance providers to give you the right guidance for health insurance for yourself and your family. It must be kept in mind that the state government itself offers the Ontario Health Insurance Plan (O.H.I.P.). If you are not eligible for this plan, you can always purchase a suitable health insurance plan from your insurance providers.

Why do I need health insurance?

Health insurance is imperative to protect yourself and your family against sudden health issues and emergency medical treatments. With sufficient health insurance, you are more likely to get the consideration you need, experience shorter emergency clinic stays and live a better, more beneficial life compared to the individuals without medical coverage. Registering for high-quality health insurance will protect you from being trapped with substantial medical costs and access to the healthcare services you need to maintain or control your healthcare.

You will be covering any health costs on your own while you are uninsured. If you pay for a doctor’s appointment or periodic checkups, the figures will not be that high. However, in case of an illness or severe health condition, the medical bills can be substantially increased. Even if you are eligible for O.H.I.P., you still might need adequate medical insurance to deal with the high costs of healthcare.

It is a fallacy that medical coverage is only for individuals with chronic ailments or individuals who have a greater danger of contracting a disease. Health insurance coverage is for individuals who are in healthy condition as well. In fact, purchasing health insurance helps you stay healthier. Health insurance plans cover many preventive treatments, including lab tests, screenings, and supplements. Availing these preventative measures can aid you in leading a healthier life.

Concerning medical coverage, age is a significant factor. Insurance agencies offer health care coverage at a lesser charge for younger people. As you get older, you will have to pay higher costs and go through a clinical verification to be acknowledged into a health insurance plan. If an ‘existing ailment’ is recognized during the test, your application might be dismissed. Different health insurance plans offered by your insurance company will provide you with various benefits, including:

  • health and dental services,
  • disability insurance,
  • long term care insurance,
  • critical illness insurance,
  • travel insurance,
  • hospital room coverage,
  • air and ground ambulance transportation,
  • prescribed drug and medicine coverage

Your health insurance provider can guide you further about your insurance providers’ services and features and which insurance plan suits your needs better.


As human beings, we tend to believe we are invulnerable, and we will not have to go through strenuous times. In any case, none of us can comprehend what will happen tomorrow.  Regardless of whether it might seem as you do not need any medical coverage today, purchasing a health insurance plan is still invaluable. Having a health insurance plan not only secures your physical wellbeing but also helps ensure your financial wellbeing.