Healthcare emergencies happen. If you are a foreign worker in Ontario, protect yourself and your family from medical and financial hardship.
You can be covered by OHIP (Ontario Health Insurance Plan) as long as you meet the eligibility requirements. But OHIP is seldom enough.
A temporary worker insurance plan can cover emergencies in these situations:
- During the 3-month waiting period before OHIP starts
- For medical costs like some prescriptions and treatments that aren’t covered by OHIP
- If your employer doesn’t provide additional health benefits
- If you don’t quality for OHIP
Temporary Foreign Workers Health Insurance Benefits
- $10,000 to $300,000 for emergency medical care
- Prescription drugs required to treat emergency situations
- Hospitalization fees for a semi-private room
- Ambulance (Ground or Air Transportation)
- Emergency home return by air ambulance or commercial flight with a medical escort
- Coverage for COVID-19
- Professional fees for nurses, physicians and other health care professionals for emergency medical treatment
- Up to $2,000 for emergency dental care treatment as a result of an accident
- Return of deceased
- Up to $1,000 for accommodation and meals if your return is delayed due to a medical emergency
- Up to $300 per profession for physiotherapist, chiropractor, osteopath or podiatrist services when medically necessary and prescribed by the attending physician
- Trips to other provinces and the United States may be covered
This health insurance plan for temporary foreign workers has many advantages over standard visitors to Canada insurance.
| Health Plan Benefit | TFW Plan | VTC Plan |
|---|---|---|
| Critical illness coverage – $5,000 paid on diagnosis of 9 major illnesses | yes | no |
| Coverage for pre-existing conditions | yes | sometimes; with limitations |
| Vaccines | yes | no |
| Oral contraceptives | yes | no |
| Diabetes supplies | yes | no |
| Check up appointment | 1/year | no |
| Breathing equipment | yes | no |
| Hearing aids | yes | no |
| Orthopedic equipment | yes | no |
| Employers: Direct billed monthly, at a per-day, per-worker rate | yes | no |
Talk to one of our Blue Cross insurance specialists to help you choose the right coverage.
Do you help employers bring temporary foreign workers into Ontario? Or work directly with immigrants? Take a look at our affiliate program for immigration consultants.