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Health Insurance Canada: Move with peace of mind and stay protected!
Moving to Canada is a significant step! One of the most important issues is health insurance. Public healthcare often has a waiting period. Therefore, private coverage is essential. Do you need support planning your coverage? Contact us for personal advice.
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Moving to Canada is a significant step! One of the most important issues is health insurance. Public healthcare often has a waiting period. Therefore, private coverage is essential. Do you need support planning your coverage? Contact us for personal advice.
Moving to Canada is a significant step! One of the most important issues is health insurance. Public healthcare often has a waiting period. Therefore, private coverage is essential. Do you need support planning your coverage? Contact us for personal advice.
Moving to Canada is a significant step! One of the most important issues is health insurance. Public healthcare often has a waiting period. Therefore, private coverage is essential. Do you need support planning your coverage? Contact us for personal advice.
Planning your move to Canada? Learn how to best protect yourself during the waiting period for state health insurance and which private supplementary insurances are beneficial.
Overview of the Health Insurance Situation for Expats Moving to Canada
Relocating to Canada is an exciting step, but health insurance should not be overlooked. Medical care in Canada can be costly, and adequate health insurance is essential to minimise financial risks. As your partner for international relocation at GoMovin, we understand the challenges and uncertainties associated with such a move. We offer you an all-in-one solution that includes personal consultation, legal support, property services, and cultural integration to make your move as stress-free as possible. Our expertise helps you navigate the Canadian healthcare system and find the right insurance solution.
Aim of This Article
This article provides you with detailed information for a smooth transition into the Canadian healthcare system. We assist you in selecting the right health insurance so that you are covered from the start. We show you how to bridge the waiting periods for state health insurance and which additional private insurances are advisable. At GoMovin, we emphasise transparency and personalisation so that you can make the best decision for your individual situation. Learn more about our services on our homepage.
German health insurance ends: What happens when you move to Canada
End of German Health Insurance Obligation
When you move to Canada, your German health insurance obligation usually ends. This applies to both statutory and private health insurance. The German statutory health insurance ends as soon as your main residence is moved outside the EU, Iceland, Liechtenstein, Norway, Switzerland, and the United Kingdom. Private health insurances usually end when moving to non-EU countries, although there may be exceptions for Iceland, Liechtenstein, and Norway. However, some insurers offer continuation of coverage for an additional fee. It is important to contact your health insurance well in advance of your move to clarify the specific conditions.
Return Transport and Travel Health Insurance
Neither statutory nor private health insurance usually covers a medically necessary return transport to Germany. Therefore, a separate travel health insurance that includes return transport is recommended. This insurance is applicable if you become seriously ill or have an accident during your stay in Canada and require medical treatment in Germany. Ensure that the insurance covers not only the medically necessary but also the medically advisable return transport. The consumer advice centre offers valuable information on this.
Understanding Medicare: Canada's Public Health System in Detail
Medicare: The Public Healthcare System of Canada
Canada offers a free, basic healthcare system for citizens and permanent residents through Medicare. However, the services differ from province to province. Medicare generally covers doctor visits and hospital stays, but not all medical services are included. Dental treatments, vision aids, and medication are often not covered. It's important to know which services are covered in your province and which ones aren't. Therefore, make sure to inform yourself about the specific regulations of the province you are moving to before your move. GoMovin assists you in obtaining the necessary information and making the right decisions.
Waiting Times and Service Exclusions
There might be a waiting period of up to three months before state healthcare coverage takes effect. During this time, you are not insured by Medicare and will need to bear the costs of medical treatments yourself. Therefore, it's advisable to take out a private health insurance policy that bridges this waiting period. Medicare does not cover all services, such as dental care, vision aids, and medication. Hence, additional private health insurance is recommended to be fully covered. The information from Lingidoo provides a good overview of this.
Private Health Insurance: Why it is essential in Canada
Bridge Insurance During the Waiting Period
A bridging insurance is essential during the waiting period for Medicare. This insurance covers the costs of medical treatments you may need while waiting. An example of such insurance is PROTRIP. This insurance provides you with comprehensive protection and helps you avoid financial risk. It's important to arrange the insurance before your arrival in Canada so that you are covered from the start. The information from Insurancy offers a good overview of this.
Supplementary Private Health Insurance
Private supplementary insurances cover services not included in Medicare, such as dental care, prescriptions, and visual aids. These insurances are particularly important if you regularly depend on these services. There are various providers of private health insurances in Canada, and it is crucial that you compare the different offers to find the best insurance for your needs. Pay attention to the coverage and costs of the insurance. We at GoMovin are happy to support you in selecting the right insurance.
International Health Insurance
International private health insurances offer comprehensive protection, including repatriation and medical evacuation. These insurances are especially suited for expats who travel frequently or plan to return to Germany. Examples of such insurances are APRIL International and PassportCard. PassportCard even offers direct payment via card, so you don't have to make advance payments. The information from PassportCard offers a good overview of this.
Choosing the Right Health Insurance: How to Make the Best Decision
Comparison of Different Insurance Providers
When comparing different insurance providers, you should pay attention to the scope of coverage of the insurance. Does the insurance cover hospital stays, medication, pregnancy, childbirth, check-ups, rehabilitation, and repatriation? Also compare the costs of different insurances. Note that policies including the USA and Canada are more expensive. It is important that you find the insurance that suits your needs and budget. At GoMovin, we are happy to help you compare the various offers and make the best decision.
Terms and Exclusions
Pay attention to the terms and exclusions of the insurance. Do you need to declare pre-existing conditions when applying? Are there waiting periods before the insurance becomes effective? It is important that you know the terms of the insurance in detail before taking it out. Pre-existing conditions must be declared when applying. Be aware of any waiting periods. The information from Mawista provides a good overview of this.
Key Benefits of Choosing the Right Health Insurance
Here are some of the key benefits you'll gain:
Comprehensive Coverage: Ensures you're protected against unexpected medical expenses.
Peace of Mind: Knowing you have access to quality healthcare allows you to focus on settling into your new life.
Financial Security: Prevents you from incurring significant debt due to medical bills.
Specific groups of people: Health insurance for students, families, and pensioners
Studenten
Wenn Sie als Student nach Kanada umziehen, verlangen Universitäten oft einen Nachweis über eine Krankenversicherung. Informieren Sie sich daher vor Ihrer Einreise über die spezifischen Anforderungen Ihrer Universität. Einige Universitäten bieten eigene Krankenversicherungen für Studenten an, während andere es Ihnen freistellen, eine private Krankenversicherung abzuschließen. Es ist wichtig, dass Sie die richtige Versicherung finden, die Ihren Bedürfnissen entspricht.
Families
For families, there are special family insurance plans, for example, from PassportCard. These insurance policies offer comprehensive coverage for the whole family and are often more cost-effective than individual plans. It's important to compare the various options to find the best insurance for your family. At GoMovin, we're happy to advise you on the different options available.
Pensioners
Relocating to Canada as a retiree ends the obligation for German health and long-term care insurance. However, you can choose to continue insurance voluntarily or opt for a private insurance policy. You may also receive contributions from the German pension insurance if you decide to continue with statutory or private insurance voluntarily. It is important to explore the different options before your move and make the best decision for your individual situation. The information from the German Embassy in Canada provides a good overview on this matter.
Social Security Agreement: What It Means for Your Health Insurance
Health and Long-Term Care Insurance
The German-Canadian Social Security Agreement does not cover health insurance or long-term care insurance. This means that you need to arrange your own health insurance when moving to Canada. It is important that you obtain information in good time before your move and take the necessary steps to take out health insurance.
Impact on Pensioners
Pensioners may receive subsidies from the German pension insurance if they voluntarily take out statutory or private insurance. It is important that you contact the German pension insurance before your move to clarify your entitlements. The information provided by the Federal Office of Administration offers a good overview of this.
Moving checklist: How to optimally plan your health insurance
Research Before Moving
Find out about the specific health insurance regulations in the province you are moving to. Each province has its own rules and benefits. It is important to be informed before your move to avoid any unpleasant surprises. At GoMovin, we are happy to support you in your research and help you obtain the necessary information.
Arrange Temporary Insurance
Take out temporary insurance before you leave. This insurance covers the cost of medical treatment you might need during the waiting period for Medicare. It is important to arrange the insurance before your arrival so that you are covered from the start.
Register with Medicare
Apply for a Health Insurance Card within three months of your arrival. This card entitles you to medical services under Medicare. It is important to apply for the card in a timely manner to ensure your insurance coverage.
Health Insurance in Canada: Secure Your Fresh Start with GoMovin
Summary of Key Points
Comprehensive health insurance is essential for expatriates moving to Canada. It protects you from high medical costs and ensures you receive the best possible treatment in case of illness. Make sure to research the various options well in advance of your move and make the best decision for your individual situation. With GoMovin by your side, your move to Canada will be a success.
Recommendations for the Future
Stay informed about changes in the healthcare system and adjust your insurance if necessary. The Canadian healthcare system may change, and it's important to stay up-to-date. We at GoMovin keep you regularly informed about significant changes and assist you in adjusting your insurance. Plan your move with us and benefit from our expertise. Contact us today to learn more about our services. We look forward to supporting you with your move to Canada! Learn more about our relocation assistance and how we can ease your transition. We are happy to assist with any further questions you may have. Explore our insurance options to find the right protection for your new start in Canada. Contact us now for a personal consultation and start your new life in Canada worry-free! Contact us here.
Further useful links
The Verbraucherzentrale provides valuable information on health insurance for long-term stays abroad.
The German Embassy in Canada provides information on the German-Canadian social security agreement.
The Federal Office of Administration offers an overview for emigrants and people working abroad, with a focus on Canada.
FAQ
What happens to my German health insurance when I move to Canada?
Your obligation for German health insurance generally ends once your main residence is relocated outside of the EU, Iceland, Liechtenstein, Norway, Switzerland, and the United Kingdom. It's important to contact your insurer before moving to clarify the specific conditions.
Is there a public health insurance system in Canada?
Yes, Canada offers a free basic healthcare system called Medicare for citizens and permanent residents. However, the services vary depending on the province. There is often a waiting period of up to three months before the public insurance coverage begins.
Why is private health insurance important for expatriates moving to Canada?
Private health insurance is important to bridge the waiting period for Medicare and to cover services not included in Medicare, such as dental care, vision aids, and medication. A bridging insurance like PROTRIP is recommended here.
What coverage should an international health insurance for Canada include?
An international health insurance should offer comprehensive protection, including repatriation and medical evacuation. Examples of such insurance include APRIL International and PassportCard.
What should families consider when choosing health insurance for Canada?
There are special family insurance plans, such as those from PassportCard, offering comprehensive protection for the entire family, often at a lower cost than individual policies. Compare the different options to find the best insurance for your family.
What do retirees need to consider regarding health insurance when emigrating to Canada?
Moving to Canada as a retiree ends the obligation for German health and care insurance. However, you can voluntarily continue it or take out private insurance. You may also be eligible for subsidies from the German pension insurance.
Is there a social security agreement between Germany and Canada regarding health insurance?
The German-Canadian social security agreement does not cover health or care insurance. This means you need to arrange your health insurance when moving to Canada.
How can GoMovin assist me in selecting the right health insurance?
GoMovin offers an all-in-one solution, including personal advice, legal support, real estate service, and cultural integration. We assist you in navigating the Canadian health system and finding the right insurance solution.
