The Top 10 Questions Foreign Workers Ask About Health Insurance
Bringing temporary foreign workers to Canada is a process that can help industries and communities thrive. But it’s also a move that comes with complex insurance decisions that can overwhelm even the most experienced HR teams.
Companies must understand provincial waiting periods and how to select appropriate private coverage.
Plus, they want to make sure that they take all of their employees’ interests to heart while choosing the coverage that makes sense for everyone involved.
With the FWCHP, we’ve worked with businesses and workers to help connect the dots, and we’ve put together a short guide on the top ten questions foreign workers ask about health insurance – and what you as an employer need to know to address them effectively.
1. Am I eligible for Canadian health insurance as a foreign worker?
This is one of the most common questions new arrivals to the country have. Foreign workers' eligibility depends on the type and duration of their work permit.
Most provinces require work permits that are valid for at least six months, plus maintaining a primary residence in the province.
While workers will eventually qualify for provincial coverage, a waiting period applies. And it's during this period that an immediate need for private insurance arises – one that employers must address to meet government requirements and protect their workforce.
2. What is the waiting period before provincial health coverage starts?
Ontario and British Columbia impose 3-month waiting periods, while provinces like Alberta and Manitoba offer immediate coverage.
This variation means employers must understand specific provincial rules where their workers are located.
During waiting periods, workers remain financially vulnerable to medical emergencies that could cost thousands of dollars without proper private insurance coverage.
3. Do I need private health insurance while waiting for public coverage?
Yes! Private insurance is mandatory during provincial waiting periods.
The Temporary Foreign Worker Program requires employers to provide and pay for private health insurance until workers qualify for provincial coverage.
This isn't optional; it's a legal requirement that protects both workers and employers from potentially devastating medical costs.
4. What does a typical private health insurance plan cover?
Comprehensive plans for foreign workers include emergency medical care, hospitalization, doctor visits, prescription drugs (typically 30-day supplies), ambulance services, and diagnostic tests.
Many policies also offer optional coverage for dental emergencies, vision care, paramedical services like physiotherapy, and even repatriation if needed.
5. Are pre-existing conditions covered by Canadian health insurance?
Pre-existing conditions often create some of the most complex challenges with coverage.
Most private insurers cover stable conditions (unchanged for 90-180 days before coverage starts) but exclude unstable conditions. Employers should work with their employees to ensure they fully disclose any health conditions during the application process to avoid claim denials.
Some insurers offer specialized coverage for pre-existing conditions at higher premiums.
6. How much does health insurance cost for foreign workers?
Monthly premiums typically range from $50-$400 per worker, depending on age, coverage amount, and health status.
Younger workers under 30 might pay $50-$100 monthly for $100,000 coverage, while those over 65 could pay $200-$400.
But remember: employers can’t deduct these costs from workers' wages. It's an employer expense under program requirements.
7. How do I apply for health insurance, and what documents do I need?
Applications for coverage will also include the worker's passport, work permit details, Canadian address, employment information, and arrival date. Most insurers also require medical questionnaires – and you can get the process started early by knowing exactly what to ask.
Apply before workers arrive in Canada to avoid 48-hour to 7-day waiting periods that leave workers uninsured. Processing typically takes 2-4 weeks for provincial coverage once eligible.
8. Will my family or dependents be covered under my plan?
Family coverage varies significantly between insurers.
Some plans automatically include dependents listed on work permits, while others require separate policies. Family coverage can be cost-effective compared to individual policies, but may have different coverage limits.
Employers should clarify family coverage options upfront to avoid surprises when workers arrive with dependents.
9. What happens to my health coverage if my work permit expires or I change jobs?
Coverage continuity is key – and it requires some careful planning.
Workers lose provincial coverage when permits expire, and private insurance typically ends with employment. For workers changing employers, bridging coverage helps prevent gaps in coverage.
As an employer, you will need to help workers know the proper renewal timelines and assist them with applications to maintain continuous coverage. This protects both parties from potential liability.
10. Where can I get emergency medical care, and will insurance pay for it directly?
Most quality insurers maintain provider networks that offer direct billing at major hospitals, thereby eliminating out-of-pocket expenses for workers.
Outside of these networks, workers may need to pay upfront and seek reimbursement. Employers should provide workers with insurance cards, 24/7 helpline numbers, and lists of network hospitals near their workplace and residence.
Keep Health Insurance Simple for Your Foreign Workers
Managing all the details about health insurance for foreign workers doesn't have to be overwhelming. The best way to do it? Partner with specialists who understand both government requirements and the needs of workers.
By addressing these common questions proactively, you'll build trust with your workforce while ensuring full compliance with Canadian regulations.
Want to learn more? Contact our team today for customized guidance tailored to your specific industry and workforce needs.
Our experienced consultants understand the unique challenges employers face and can help you create a comprehensive insurance solution that protects your workers and your business.
Looking to provide your foreign workers with the necessary healthcare coverage?
Click through the video below to learn about the FWCHP.
