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Personal Health & Dental Insurance

BAICORP offers Personal Health insurance.

Who is personal health insurance for?

Having a personal health plan may be the best decision for you and your family if:

  • You have recently lost your employee group benefits coverage;

  • You have limited or no health and dental benefits through your employer;

  • You work for yourself or are an independent contractor;

Why would you need a personal health insurance plan?

By having the proper health insurance plan put in place for you and your family, you will be protecting yourself from unexpected medical expenses.For instance, when accidents or illness occur, the last thing you need is the additional financial stress experienced when you are not prepared.  Therefore, having a plan will lower your risk of financial burden, leaving you less vulnerable.

Even though there are government health care plans which provide various levels of coverage for some health care expenses, many times they do not include all the medical coverage that most of us require. Benefits such as prescription drugs, vision care, medical equipment, registered specialists (chiropractor, massage, acupuncture, physiotherapist, speech therapist, etc.), dental, and travel outside of the province and country are often not covered. Thus, having Personal Health Insurance is an effective way for you to increase your coverage in these areas, and reduce your stress.

A customized plan with you in mind will provide you with guaranteed coverage and premiums catered to your needs

What more about personal insurance do you need to know?

What is personal health insurance?

Personal health insurance is a plan that is not covered by your employer, that gives you and your family specific, medically-related health coverage .  Furthermore, the pricing is based on your age, medical questionnaire, how much coverage you would need, the type of coverage, and plan design.

Which benefits aren’t covered by the government health care plan?

The answer may be slightly different for each province, however, these are generally not covered:

  • Prolonged hospital stays
  • Prescription drugs
  • Vision care
  • Paramedical services (chiropractor, naturopathy, massage therapy, psychotherapy, physiotherapy
  • Dental services
  • Out of province/country travel coverage
  • Medical equipment
  • Nursing care

Learn more

Not sure where to start?

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