Additional to provincial health insurance (e.g. OHIP), individual health insurance helps decrease the risk of accumulating expenses for medical bills or preventive care resulting from an illness or accident.

Provincial plans cover many health expenses, there are some omissions that may impact your finances.

Examples of expenses that you may be financially responsible for include:

• Prescription drugs for treating serious health conditions
• Out-of-country emergency medical services
• Practitioners, such as physiotherapists, to recover from injuries
• Mobility equipment

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