Canadians Health Insurance

by Little Guy, Sunday, October 11, 2020, 12:07 (14 days ago) @ Rigamarta

The Canada Health Act requires that provincial health insurances plans meet a minimum of five criteria.

The five conditions listed in the act are public administration, accessibility, comprehensiveness, universality and portability.

https://www.cna-aiic.ca/~/media/cna/page-content/pdf-en/fs01_canada_health_act_june_2000_e.pdf

Based on the “universality” criterion, all Canadians have health insurance. Based on accessibility and comprehensiveness criteria they enjoy access to the same health care services.

The provincial plans apply while in Canada. Some provincial plans provide limited coverage for emergency medical services while outside of Canada. For example, the British Columbia plans says,

Although the province does provide some coverage for emergency hospital care when you travel outside Canada, the province limits coverage to a maximum daily payment of $75.00, in Canadian funds.

https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/msp/bc-residents/benefits/services-covered-by-msp/medical-benefits/medical-benefits-...

This applies to health care related to covid as well as other health care.

Canadians who commonly travel internationally know to get private health insurance. Given the nature of risk and of potential high costs related to covid illness, it is unlikely that the coverage would include coverage for covid.

I suggest that Canadians don’t generally think about risks associated with health care costs. So having to think about it with regards to covid and international travel might be a bit more jarring than for people who ordinarily live with more limited health care benefits. This might result in increased reluctance to travel internationally.


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