general information

How does the Canadian insurance system work?

Canada’s insurance system is based on several pillars, aimed at providing financial protection and health services to citizens and residents. The system provides support in the event of illness, job loss, old age or other situations requiring assistance.

Public social insurance

• Medicare: The universal health care system, covering essential medical care for all Canadian residents. Each province administers its own plan.
• Employment Insurance (EI ): Provides temporary financial support to workers who lose their jobs involuntarily or take parental leave.

Professional insurance

• Canada Pension Plan (CPP): Provides retirement and disability benefits, financed by workers’ contributions.
• Accident insurance: Covers workplace injuries and is often integrated into employer insurance plans.

Private insurance

• Supplementary health insurance: Covers services not included in the public health system, such as dental care and prescription drugs.
• Life and disability insurance: Provides financial protection in the event of death or disability.

Insurance requirements

Canada has international agreements that facilitate the coordination of insurance systems for citizens moving between countries. These agreements ensure that benefit entitlements are respected, and that workers do not lose their coverage when they move from one country to another.

Additional information:

• Government of Canada - Health : Information on the health care system and insurance.