Health Insurance for Students in Canada | Canadian Health Insurance | How to Get Health Insurance in Canada | Newcomers Canada

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HEALTH INSURANCE FOR STUDENTS

All students need health insurance throughout their studies and time in Canada. If you are fortunate enough to be a Canadian citizen or a permanent resident, you will be automatically entitled to avail of Canada’s excellent public health system, which provides those eligible with free healthcare. This system is monitored and regulated by each provincial government, and the amount of coverage you receive varies between provinces. For more information on the public health system, see the website of Citizenship & Immigration Canada (CIC).

If you are not a citizen or permanent resident, or simply wish to have more coverage than public healthcare provides, you will need to purchase private health insurance to cover you while you are in Canada. Medical coverage for international students varies between provinces, and between insurance companies.

The costs and types of cover vary widely, so you should be able to find a level of cover to suit your needs. It is always important to compare different policies to ensure you are getting the best value for money and the best coverage for your needs.

As finding the right insurance for you can be quite difficult, some people use an insurance broker. A broker will research all the options available to you, taking into account cost and suitability, and will provide you with recommendations.

The OmbudService for Life & Health Insurance (OHLI) website has a list of all insurance providers in Canada, categorised by insurance type. For more information, see their website.

Another type of government health coverage is called the Interim Federal Health Program (IFHP). This is only available to those of refugee status, protected persons, victims of human trafficking and those who are being resettled in Canada.  For more information on IFHP eligibility and the benefits offered, see the CIC website