Under the Régie de l'assurance maladie du Québec (RAMQ), all residents of the province have access to basic public health insurance, which covers most of the medical costs associated with a doctor's visit and hospitalization. However, there are some services and treatments which are not provided by RAMQ, so it is important to consider whether or not private health insurance coverage can be beneficial.
When it comes to health insurance, there are different types of coverage and packages depending on your needs. You may want additional coverage for things like prescription medications, dental or vision care, or preventive services like vaccinations.
You may need to consider private health insurance if:
You don’t have access to RAMQ medical coverage.
You want additional coverage beyond what RAMQ provides.
You would like to have access to drugs, dental care, and vision care at discounted rates.
You have a pre-existing medical condition.
Health insurance provided by your employer is not sufficient.
In Québec, you can find private health insurance coverage through insurance brokers or financial centres such as planMCD. The provincial government also offers a variety of programs, such as the Québec Health Insurance Plan for individuals and families, as well as additional private health insurance options. It is important to take the time to compare different insurance plans to determine what is best for your needs.
Overall, the decision whether or not to purchase private health insurance in Québec is a personal one, and should depend on the amount of coverage you need and the cost associated with the plan.