Canada health insurance estimator
Free Canada private health insurance calculator. Estimate monthly and annual extended-health premiums for drugs, dental and vision from age, cover level and household — instant, private.
How to use
- Enter your age. Add your age. Private extended-health premiums rise with age, and the estimate reflects that.
- Choose a cover level. Pick basic (drugs), standard (drugs + dental) or comprehensive (adds vision and paramedical). More cover means a higher premium.
- Set household and deductible. Choose how many people are covered and your deductible. A higher deductible lowers the premium.
- Review your estimate. See your estimated monthly and annual premium, the typical range, and a cover-level comparison.
Features
- Extended-health rating. Uses age, cover level, smoking, household and deductible — the factors that drive private supplemental premiums.
- Monthly, annual and a range. Shows both monthly and annual cost plus a low–high band for the spread between insurers.
- Cover-level comparison. Compares basic, standard and comprehensive extended health so you can weigh price against benefits.
- Public-plan context. Makes clear that provincial Medicare covers core care and this is for extras like drugs, dental and vision.
- 100% private. All maths runs in your browser. Your details are never uploaded, stored or shared.
When to use it
- Estimating cover for prescription drugs and dental without a workplace plan
- Comparing basic vs comprehensive extended health in dollars
- Budgeting family health extras as household size changes
- Seeing how a higher deductible lowers your premium
- Filling gaps after leaving a job with group benefits
Is it private?
Every calculation runs in your browser. Your age, household and health details are never uploaded, stored or shared.
Frequently asked questions
Is this a real health insurance quote?
No. It is an educational estimate for private extended health based on published Canadian averages. Real prices depend on the insurer and plan, so get quotes for exact figures.
Do I need private health insurance in Canada?
Core doctor and hospital care is covered by your provincial public plan (Medicare) at no charge. Private extended health is optional and covers extras like prescription drugs, dental, vision and paramedical care.
What does the cover level change?
Basic typically covers prescription drugs; standard adds dental; comprehensive adds vision and paramedical services such as physiotherapy. More cover means a higher premium.
Does it cover core medical care?
No — that is covered by your province. This estimator is only for private extended (supplemental) health that tops up the public plan.
Do the rates stay accurate?
Premiums move over time, so each estimate shows its data vintage. The rating factors are more stable.
Is my information private?
Yes. Everything runs locally in your browser with no upload, no storage and no sign-up.
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