RAMQ limitations and the benefits of private health insurance
Foreign workers are nothing new in Canada. Each year, we open our doors to temporary workers. Companies across the country look abroad to hire skilled workers, academics, and others to fill seasonal, temporary, and long-term positions.
You may have to wait up to three months before being accepted for coverage by Québec’s public health insurance. Don’t take unnecessary risks. We have health insurance products specially designed for you. By subscribing to a personal health insurance plan, you can have peace of mind in knowing that you will be covered in case of need. You can then have access to a doctor without putting your finances at risk.
Why keep your private health insurance after receiving RAMQ coverage?
If you plan to work in Canada for an extended time and want to apply for citizenship, your private health insurance policy will help cover medical costs not covered by the RAMQ.
Private health insurance becomes even more important if your employer does not offer coverage through a group insurance plan. Many foreign workers and new immigrants don’t realize that Québec’s public health insurance doesn’t cover all health care costs. Keeping a private health insurance policy even if you have RAMQ coverage helps you pay for these additional health care costs, helping you to protect your health and financial well-being.