Health Insurance

Many individual health and dental insurance plans do not require a physical medical exam. However, some plans involve medical questions as part of the application, and in certain cases insurers may request additional medical information. Requirements vary depending on the plan and insurer.

Medical underwriting is the process insurers use to assess an applicant’s health history and other factors when evaluating an application for coverage. Depending on the plan, this may involve completing a health questionnaire and, in some cases, the insurer may request additional medical information. The underwriting outcome can affect eligibility and the terms of coverage offered.

The time required to obtain health insurance depends on the type of plan and the insurer’s application process. Some plans may become effective shortly after an application and payment are received, while others require review and approval before coverage begins. Timelines can vary if additional information is requested during the application process.

Eligibility requirements for individual health insurance vary by insurer and by plan. In general, applicants are typically required to be Canadian residents and to have coverage under a provincial government health insurance plan. Age requirements, provincial rules, and other eligibility conditions can differ depending on the insurer and the type of plan.

People often consider applying for individual health insurance during life changes or transitions, such as aging out of a parent’s plan, losing employer group benefits, becoming self-employed, or when existing coverage no longer meets their needs. The appropriate timing depends on personal circumstances, health history, and the type of plan being considered.