Private health insurance: choosing it before arriving in Quebec
Two policies at the same price do not cover the same thing. What matters in practice: hospitalisation limits, emergency care, pre-existing conditions and whether the insurer pays before you do.
This page describes the general structure of the system, which stays stable. But exact thresholds, fees, and specific program statuses can change within weeks. Before relying on a specific figure or date below, confirm the current status on Quebec.ca or Canada.ca.
Two policies at the same price do not cover the same thing. What matters in practice: hospitalisation limits, emergency care, pre-existing conditions and whether the insurer pays before you do.
The trap is exclusions, not the premium
Check the daily hospitalisation limit, out-of-town care, pre-existing condition exclusions and whether the insurer reimburses before or after you pay the bill.