Government Health Insurance Plan (GHIP)

A Government Health Insurance Plan (GHIP) is the publicly funded healthcare program administered by each Canadian province and territory. It provides residents with access to medically necessary hospital and physician services at no direct cost, funded through provincial taxes and federal health transfers. GHIP ensures that all eligible residents receive essential medical care regardless of income or health status, forming the foundation of Canada’s healthcare system.

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Each province operates its own GHIP under different names, such as Alberta Health Care Insurance Plan (AHCIP), Ontario Health Insurance Plan (OHIP), and Régie de l’assurance maladie du Québec (RAMQ). While coverage is broad, GHIP does not typically include services such as prescription drugs (outside hospitals), dental care, vision care, or paramedical treatments, which is why many Canadians purchase extended health insurance for additional protection.

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Example:

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If you visit your family doctor for a medical consultation, the appointment is billed directly to your provincial GHIP. However, if you need prescription medication afterward, the cost is not covered unless you have private drug insurance or qualify for a government assistance program.

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What to Watch For:

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Confirm your provincial residency requirements, as GHIP eligibility depends on where you live and how long you have resided in the province. New residents may face a waiting period of up to three months before GHIP coverage begins. Always carry your provincial health card when accessing medical services, and understand which services are covered or excluded under your province’s plan.