PERSONAL (INDIVIDUAL) HEALTH INSURANCE
It is a private health plan to supplement Ontario health insurance plan (O.H.I.P) when You do not have any group plan through work. Medical underwriting is required .It covers Prescription drugs , Paramedical practitioner services , vision care , Emergency travel medical coverage and optional Dental coverage. Cost and coverage feature of The plan depends on the type of the plan and age. Available Type of plans are Basic, Standard, Enhanced , Standard with dental, Enhanced with dental and Customized plans. Etc.
NON-MEDICAL PERSONAL HEALTH INSURANCE
It allows your family and you to continue enjoying health benefits when you are leaving a group health benefit plan that provided health benefits for your family and you. You need to apply within 60 days of leaving your group benefits plan . No medical underwriting is required. Cost and coverage feature of the plan depend on the type of the plan and age. Available Type of plans are Basic Health and dental , Standard health , Standard health and dental, Enhanced Health , and Enhanced health and dental.
HEALTH SPENDING ACCOUNT
It is also known as a Health care spending account. It is an individual employee account that provides reimbursement for eligible health care expenses or other benefits that are not covered under provincial health insurance plans or other benefit plans sponsored by the employer. It also can be used to pay deductibles, coinsurance , amounts in excess of benefit maximums and to broaden the scope of coverage of an existing employer sponsored plan. It covers you and your dependent family members.