Personal Health Insurance (Disability Insurance)
What is Personal Health Insurance?
Personal health insurance supplements provincial healthcare by covering services and treatments not included in OHIP. This may include prescriptions, dental care, vision, therapy, and disability protection—depending on the plan.
Why Do I Need Private Health Insurance?
Even in Ontario, essential health services like physiotherapy, mental health support, prescription drugs, and emergency dental are not covered. Private insurance fills that gap and ensures you’re protected from large out-of-pocket costs.
It’s especially important if you:
- Are self-employed or a contract worker
- Do not receive benefits through an employer
- Want coverage that travels with you, province to province
- Have dependents needing consistent health support
How Much Do Individual Health Insurance Plans Cost?
Cost depends on:
Age and health status
Types of coverage selected (basic or enhanced)
Whether you include dental, vision, and prescription drug coverage
Number of people on the plan (individual, couple, family)
Individual plans typically range from $60 to $200/month, with higher-tier plans offering more generous coverage.
