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Why Choose Individual Health Insurance in Quebec?

Health insurance is an essential investment for your overall health and well-being. While the Québec Health Insurance Plan (RAMQ) provides basic coverage, there are several compelling reasons to consider purchasing private individual health insurance. At Québec Blue Cross, we help you make informed decisions regarding your health coverage.

Services covered by RAMQ

By presenting a valid health insurance card, the following services are covered by the Québec Health Insurance Plan:  

  • Physician visits and hospitalization: Medical consultations in the public sector as well as hospitalization expenses are covered, except for private or semi-private rooms.
  • Prescription drug insurance: All permanent Quebec residents must have prescription drug insurance coverage. If you don’t have group insurance, you can register for RAMQ’s Public Prescription Drug Insurance Plan.  

Services that are not covered by RAMQ

Some essential medical expenses are not covered for most Quebec residents. These services include:

  • Dental care: Regular dental appointments are crucial to maintaining good oral health and prevent disease. However, preventive care, extractions, root canal treatments and orthodontics are not covered by the public health insurance plan.  
  • Eye care: Vision care is also essential for overall well-being. Eye examinations, prescription of lenses, and the purchase of glasses or contact lenses are not covered by RAMQ.
  • Professional services: Consultations with health practitioners such as physiotherapists, dieticians and psychologists, as well as other professionals remain the responsibility of the individual.
  • Medical equipment: Crutches and medical accessories are not covered.

What are the benefits of purchasing individual health insurance?

  • Comprehensive coverage: Individual health insurance is an excellent supplement to public health insurance plans, since it covers services that public health insurance plans don’t. Our Complete Health plan offers flexible solutions and customizable coverage levels tailored to your specific needs. 
  • Managing expenses: Illnesses and accidents can strike unexpectedly, leading to high medical costs. Health insurance acts as a safety net, allowing you to focus on your health. Help with health expenses can make you feel more at ease.

Many benefits included with our Complete Health plan

  • 24/7 wellness services: Taking care of yourself is made easy with 24/7 access to online consultations with qualified therapists. You can also benefit from a network of experts who can guide you in various aspects of your life, including career, health, finances and legal rights.  
  • Blue Advantage Program: Health care can add up. Our program offers discounts on medical products and services. 
  • Easy claims process in just a few clicks: Submit your claims effortlessly online or through our user-friendly mobile app. Capture and upload photos of your invoices and receive prompt refunds directly to into your bank account.

Individual health insurance is a valuable investment that can provide comprehensive coverage and prepare you for the unexpected while offering you many benefits. Our team is dedicated to assisting you in making informed decisions about your health insurance needs. To learn more, visit our Complete Health plan page.