Insurance coverage for health, prescription drugs, and dental needs.
Category Life Insurance
4 September 2023,
Insurance coverage for health, prescription drugs, and dental needs.

Did you know that the private insurance sector in Quebec has experienced dynamic growth in recent years?

Indeed, in the context of an aging population and medical innovations, the demand for health & medical services has significantly increased. In line with this increased demand, it is essential to have a reliable and efficient insurance industry that can meet diverse needs.

Private health insurance companies in Quebec play an important role in meeting the ever-changing needs of the population through dental, drug, and health insurance plans. 

In this article, we explore the many products offered by private insurance companies for health coverage. 

If you want to find the best dental, drug, or health insurance in Quebec, fill out the form below and receive FREE and NO-OBLIGATION quotes.

How much does private health insurance cost in Quebec?

Are you looking for private health insurance for you or your family members? Would you like to know how much it will cost you?  Prices vary from one insurer to the next and the types of coverage also differ to meet the different needs of consumers.

Premiums for private health insurance, whether for dental, drug, or critical illness, are computed based on several factors:

  • Type of Insurance
  • Type of Coverage
  • Scope of Coverage
  • Amount of the deductible
  • Age of the insured 
  • Health Status
  • Medical history 
  • Place of residence
  • Choice of insurance company 

To get the right price for your private insurance, compare offers from several insurers. Analyze the different offers to ensure you get the coverage with the best quality and price for your health insurance needs.

Private health insurance VS private dental insurance VS private drug insurance

Comparing available options for extended health coverage.

Each of these insurance products offers specific coverage for the different areas of healthcare. Depending on your needs and preferences, they can be purchased separately or combined.

To guide you in ensuring your health optimally, here is a comparison between the 3 types of insurance.

Private health insurance

Private Dental Insurance

Private Drug Insurance

Private health insurance provides coverage for general health care, such as medical consultations, hospitalizations, surgeries, medical treatments, etc.


It may also include complementary services such as physiotherapy, occupational therapy, and psychology.


The primary purpose of private health insurance is to provide you with financial protection against major medical expenses and to give you access to a wide network of health care providers.

focuses specifically on dental coverage.

This may include dental exams, cleanings, X-rays, cavity treatments, extractions, root canals, dentures, and more.

Private dental insurance aims to help you cover the high costs associated with dental care and enable you to maintain good oral health.

  • Private drug insurance focuses on prescription drug coverage.

It helps you pay for the cost of prescription medications you need as ordered by your physician.

Private drug insurance can offer you more extensive coverage than public drug insurance, giving you access to a wider range of medications and offering higher reimbursements.

You are probably wondering what type of insurance you should buy. Making the best decision requires carefully evaluating your healthcare needs in addition to considering the benefits and costs associated with each type of insurance.

When in doubt, seek help from a professional to obtain personalized support and advice.

What is the difference between RAMQ vs. private drug insurance?

The main difference between drug insurance from the Regie de l’assurance sante du Quebec (RAMQ) and private drug insurance lies mainly in the way in which they are managed and the benefits they offer.

RAMQ Drug Insurance

Private Drug Insurance

RAMQ is a public plan that covers residents of Quebec and is funded by taxpayer contributions.

It offers basic coverage for a set of essential medications, the list of which is established by the RAMQ.

Medicines included in this list are reimbursed at a fixed rate, usually a percentage of the cost of the medicine, and patients must pay the difference.

It is taken out with an insurance company subject to the payment of premiums.

It offers additional coverage compared to RAMQ insurance, which allows insureds to access a wider range of drugs and benefit from higher reimbursements.

Insurance policies may vary in terms of level of cover, deductibles and reimbursement limits.

Private insurance is not compulsory, but it is highly advantageous. For those wishing to benefit from more extensive coverage, greater flexibility, and higher reimbursement amounts, there is a wide range of options to meet the specific needs of each individual. 

Reasons to buy private health and drug insurance

Are you self-employed? Do you have an employer that does not provide a group insurance plan? Do you wish to enhance your health insurance coverage? Private health insurance can significantly improve the benefits you get from public or group health insurance.

Here are some reasons why you might consider this option:

Extended Coverage

  • Private insurance provides more coverage than public insurance.
  • This means you can access a wider range of specialists, healthcare options, medications, and treatments.

Personalized Coverage

  • Private insurance allows you to customize your coverage to meet your specific needs.
  • You can choose the types of care and treatment you want included in your policy, giving you more control over your health plan.

Reduced Waiting Time

  • With private insurance, you can usually avoid long wait times for medical services.
  • This can be particularly useful for non-urgent treatments or consultations with specialists.

Choice of Doctor and Medical Facility

  • In some cases, private insurance gives you the flexibility to choose the doctor, specialist, or hospital of your choice.
  • This gives you more freedom and control over your medical decisions.

Options for Supplementary Health Care

  • Private insurance can allow you to access specialized services not covered by public insurance.
  • This may include dental treatment, vision care, alternative therapies, chiropractic services, etc.

Protection from Increasing Medical Costs

  • Some insurance policies offer protection against high medical costs.
  • This means that if you have to undergo expensive treatments, your insurance may cover a significant portion or all of these costs, which can give you peace of mind and financial benefits.

Greater Flexibility

  • If you travel frequently or stay abroad, private insurance may provide international coverage.
  • This allows you to receive medical care wherever you are in the world, without worrying about restrictions related to your public insurance.

Private health insurance can be expensive and may not be suitable for everyone.

It is essential to assess your healthcare needs & financial situation and compare available options before deciding to purchase private health and drug insurance.

How do private insurance plans work in Quebec?

Private healthcare system in Quebec.

In Quebec, private insurance plans generally operate according to the following principles:

Subscription to an insurance plan

Choice of Coverage

Payment of premiums

You must purchase a plan with an insurance company. 

You can choose the level of coverage that best suits your healthcare needs.

You must pay annual or monthly premiums to maintain your coverage.

Claims & Reimbursement

Network of healthcare providers

When you receive medical, dental, or drug treatment covered by your private insurance plan, you must submit a claim to your insurance company.

Some private insurance companies may have a network of partner health care providers you must use.

Every insurance company will have terms and conditions for each of their health insurance policies. 

You must pay attention to these features and conditions to ensure you get the coverage that satisfies your needs.

Why does the RAMQ not cover dental insurance?

Dental insurance coverage in Quebec.

Since this question is frequently asked, we thought it would be good to address the subject.

Firstly, you should know that the Régie de l’assurance santé du Québec is responsible for the administration of the public health insurance system in Quebec. 

The coverage offered by RAMQ mainly focuses on medical care that is necessary for the general health of individuals.

RAMQ does not cover dental insurance due to several reasons:

Division of Responsibilities

Priorities & Resources


In Canada, dental coverage is generally the responsibility of the provinces and territories, while medical coverage is the responsibility of the federal government.

The RAMQ is responsible for administering public health insurance in Quebec, but dental coverage is not included in its scope.

Provincial governments need to balance their budget for public health spending with priorities and available resources.

They must take into account the needs of the population in different areas of health and allocate resources accordingly.

Dental coverage may be considered a different priority and may require additional resources to implement.

Dental care can be expensive, especially major treatments, dentures, and surgeries.

Because RAMQ is funded by taxpayer contributions and public funds, it can be difficult to finance expanded dental coverage without significantly increasing costs to taxpayers or reducing coverage in other areas.

Is dental care a priority for you? If it is not covered by your employer’s group insurance, it may be a good idea to compare private dental insurance quotes. Fill out our short online form below to receive FREE QUOTES!

What is the best private insurance in Quebec in 2024?

Best Healthcare Coverage options in Quebec.

The idea of “best private insurance” can vary depending on the individual needs, preferences, and expectations of each person.

How to choose the right private drug, health, and dental insurance plan? 

To determine the best insurance policy in Quebec in 2024, it is recommended to do a thorough research and compare the offers available on the market by doing business with an insurance broker.

In order to guide you in your steps, we present you some important points to take into account when evaluating insurance companies:

  1. Use Compare Home Quotes online services to get in touch with trusted insurance brokers.
  2. Receive and carefully analyze insurance coverage offers and contract conditions from several reputable Quebec insurers forwarded by your broker.
  3. Find out about the reputation and experience of each private insurance company.
  4. Compare insurance premium costs among multiple companies.
  5. If you have preferences for certain healthcare providers or specific healthcare professionals, check to see if the insurance company has a network of providers in your area.
  6. Evaluate the quality of customer service offered by each insurance company.

A simple reminder

Take the time to compare coverage levels, premium costs, deductibles, reimbursement limits and additional options offered by each company. Don’t forget to also look at each insurer’s reputation and experience, as well as the quality of customer service.

Compare private insurance prices in Quebec, free of charge!

Compare health insurance prices to save time and money.

Compare Home Quotes network makes it possible for users to find the best private insurance prices for free with no obligation!

Getting free quotes from our reputable insurance partners can help you make a well-informed choice and simplify the process.

Complete the form provided to you to work with a qualified broker near you. Please note that this service is free and without any obligation on your part.

Are you ready to insure your health at the best price? 

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