{"id":25517,"date":"2020-12-02T06:00:11","date_gmt":"2020-12-02T10:00:11","guid":{"rendered":"https:\/\/www.cpp.ca\/?p=25517"},"modified":"2021-03-31T13:59:53","modified_gmt":"2021-03-31T17:59:53","slug":"si-jai-un-regime-provincial-dassurance-maladie-pourquoi-aurais-je-besoin-dune-assurance-maladies-graves","status":"publish","type":"post","link":"https:\/\/www.cpp.ca\/fr\/blogue\/si-jai-un-regime-provincial-dassurance-maladie-pourquoi-aurais-je-besoin-dune-assurance-maladies-graves\/","title":{"rendered":"Si j\u2019ai un r\u00e9gime provincial d\u2019assurance maladie, pourquoi aurais-je besoin d\u2019une assurance maladies graves?"},"content":{"rendered":"[vc_row type=\u00a0\u00bbin_container\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3&Prime; shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_column column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb width=\u00a0\u00bb1\/1&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_column_text]Bien que les r\u00e9gimes provinciaux d\u2019assurance maladie soient utiles, il y a certaines raisons pour lesquelles vous devriez envisager de souscrire une assurance maladies graves. Ce type d\u2019assurance peut combler les lacunes de votre r\u00e9gime provincial d\u2019assurance maladie. Rien ne garantit que votre \u00e9tat de sant\u00e9 demeurera toujours le m\u00eame. Quelque chose pourrait se produire \u00e0 n\u2019importe quel moment et changer vos besoins en mati\u00e8re de traitements et de soins m\u00e9dicaux. Vous pourriez recevoir un diagnostic inattendu, subir une blessure ou avoir besoin d\u2019un soutien m\u00e9dical continu.<\/p>\n<p>Les r\u00e9gimes provinciaux d\u2019assurance maladie couvrent de nombreux soins de sant\u00e9 pour les r\u00e9sidents canadiens admissibles. Dans des provinces comme le Manitoba, l\u2019Ontario, le Qu\u00e9bec et Terre-Neuve-et-Labrador, vous payez une prime dans le cadre de vos imp\u00f4ts pour b\u00e9n\u00e9ficier de cette couverture. Dans d\u2019autres provinces, les recettes g\u00e9n\u00e9rales de la province couvrent les soins de sant\u00e9.<\/p>\n<p>La couverture au titre d\u2019un r\u00e9gime provincial d\u2019assurance maladie comprend souvent les rendez-vous avec votre m\u00e9decin de famille et dans les cliniques sans rendez-vous, les soins de sant\u00e9 aupr\u00e8s d\u2019autres fournisseurs, les visites \u00e0 l\u2019urgence, les examens m\u00e9dicaux et les interventions chirurgicales. Tout le monde \u2013 y compris les b\u00e9b\u00e9s et les enfants \u2013 doit avoir sa propre carte d\u2019assurance maladie provinciale pour b\u00e9n\u00e9ficier de ces services.<\/p>\n<p>Si quelque chose devait se produire, vous pourriez ne pas avoir la couverture dont vous avez besoin et les soins de sant\u00e9 pourraient vous co\u00fbter cher. Selon la province o\u00f9 vous vivez, votre couverture de soins de sant\u00e9 varie et elle pourrait comporter des lacunes, que vous devez combler pour pouvoir recevoir les soins dont vous avez besoin sans vous ruiner.<\/p>\n<h4><strong>Qu\u2019est-ce que l\u2019assurance maladies graves?<\/strong><\/h4>\n<p>L\u2019assurance maladies graves est habituellement offerte par des fournisseurs priv\u00e9s d\u2019assurance maladie et pr\u00e9voit une prestation anticip\u00e9e qui peut vous aider \u00e0 traverser une p\u00e9riode difficile si vous recevez un diagnostic de maladie ou d\u2019affection. Le type de maladie grave doit \u00eatre couvert au titre de votre contrat, et ce dernier doit \u00eatre en place avant l\u2019\u00e9tablissement du diagnostic.<\/p>\n<p>N\u2019importe qui peut souscrire une assurance maladies graves. Bien que chaque fournisseur d\u2019assurance ait ses propres crit\u00e8res d\u2019admissibilit\u00e9 et couvre diff\u00e9rents types de maladies, le processus de souscription est ouvert \u00e0 tous.<\/p>\n<h4><strong>Pourquoi l\u2019assurance maladies graves est une meilleure solution que l\u2019assurance invalidit\u00e9, l\u2019assurance collective et l\u2019assurance-emploi<\/strong><\/h4>\n<p>Si vous songez \u00e0 compter sur d\u2019autres r\u00e9gimes d\u2019assurance si vous \u00eates atteint d\u2019une maladie grave, il est important de conna\u00eetre les limites de ces r\u00e9gimes. L\u2019une des raisons pour lesquelles l\u2019assurance maladies graves offre une excellente protection est que d\u2019autres types d\u2019aide financi\u00e8re \u2013 comme l\u2019assurance invalidit\u00e9 habituelle \u2013 ne vous couvriront pas si vous \u00eates jug\u00e9 apte \u00e0 travailler. De plus, les prestations de votre employeur pourraient \u00eatre plafonn\u00e9es et, selon la province o\u00f9 vous r\u00e9sidez, l\u2019assurance-emploi ne couvrira que jusqu\u2019\u00e0 un maximum de 15\u00a0semaines.<\/p>\n<h4><strong>Avantages de l\u2019assurance maladies graves<\/strong><\/h4>\n<p>L\u2019assurance maladies graves comporte de nombreux avantages. Ce type de couverture vous procure la tranquillit\u00e9 d\u2019esprit de savoir que si vous receviez un diagnostic de maladie grave, vous auriez un coussin financier pour traverser cette p\u00e9riode difficile. L\u2019assurance maladies graves vous permet d\u2019utiliser la prestation pour payer tout ce que vous voulez, sans restriction.<\/p>\n<p>L\u2019assurance maladies graves comporte de nombreux avantages qui aident \u00e0 combler l\u2019\u00e9cart entre ce qui est couvert par votre couverture provinciale et vos besoins additionnels. Voici plusieurs \u00e9l\u00e9ments de l\u2019assurance maladies graves qui ne sont pas couverts par les r\u00e9gimes provinciaux d\u2019assurance maladie, comme l\u2019Assurance-sant\u00e9 de l\u2019Ontario\u00a0:<\/p>\n<ul>\n<li>Remplacement du revenu<\/li>\n<li>Aide \u00e0 domicile suppl\u00e9mentaire<\/li>\n<li>M\u00e9dicaments co\u00fbteux qui ne sont pas couverts par l\u2019Assurance-sant\u00e9 de l\u2019Ontario<\/li>\n<li>Traitements \u00e0 l\u2019\u00e9tranger<\/li>\n<li>M\u00e9decine douce<\/li>\n<li>Traitements chiropratiques<\/li>\n<li>Confort additionnel \u00e0 l\u2019h\u00f4pital, y compris les chambres \u00e0 un lit et \u00e0 deux lits<\/li>\n<\/ul>\n[\/vc_column_text][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb25&Prime;][vc_column_text]\n<h4><strong>Foire aux questions<\/strong><\/h4>\n[\/vc_column_text][toggles style=\u00a0\u00bbminimal\u00a0\u00bb][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbSi j\u2019ai l\u2019Assurance-sant\u00e9 de l\u2019Ontario, pourquoi aurai-je besoin d\u2019une assurance maladies graves?\u00a0\u00bb][vc_column_text]L\u2019Assurance-sant\u00e9 de l\u2019Ontario offre une couverture compl\u00e8te ou partielle des traitements et m\u00e9dicaments associ\u00e9s \u00e0 un certain nombre de maladies et d\u2019affections. Elle ne couvre toutefois pas les frais et les pertes qui peuvent s\u2019accumuler rapidement si vous \u00eates atteint d\u2019une maladie grave.<\/p>\n<p>Cela comprend notamment la r\u00e9adaptation, le transport \u00e0 destination et en provenance de l\u2019h\u00f4pital, la perte de revenu pour le patient et son soignant principal, les soins \u00e0 domicile et les traitements et m\u00e9dicaments non couverts par les r\u00e9gimes provinciaux d\u2019assurance maladie.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbQUI est couvert par l\u2019Assurance-sant\u00e9 de l\u2019Ontario?\u00a0\u00bb][vc_column_text]L\u2019Assurance-sant\u00e9 de l\u2019Ontario couvre les Canadiens de divers milieux et dans diverses situations qui font de l\u2019Ontario leur lieu de r\u00e9sidence principal. L\u2019Assurance-sant\u00e9 de l\u2019Ontario couvre les citoyens canadiens, les r\u00e9sidents permanents, les immigrants re\u00e7us et les personnes inscrites en vertu de la <em>Loi sur les Indiens<\/em>. Cliquez <a href=\"http:\/\/www.health.gov.on.ca\/fr\/public\/programs\/ohip\/ohipfaq_mn.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">ici<\/a> pour conna\u00eetre les personnes couvertes par l\u2019Assurance-sant\u00e9 de l\u2019Ontario.<\/p>\n<p>Si vous ne faites pas partie des cat\u00e9gories de personnes couvertes ou si vous \u00eates un touriste ou un visiteur, vous ne pouvez pas \u00eatre couvert par l\u2019Assurance-sant\u00e9 de l\u2019Ontario.[\/vc_column_text][\/toggle][toggle color=\u00a0\u00bbDefault\u00a0\u00bb title=\u00a0\u00bbQUE couvre l\u2019Assurance-sant\u00e9 de l\u2019Ontario?\u00a0\u00bb][vc_column_text]Si vous y \u00eates admissible, l\u2019Assurance-sant\u00e9 de l\u2019Ontario couvrira certains aspects des soins de sant\u00e9. Pour voir la liste compl\u00e8te de ce qui est couvert par l\u2019Assurance-sant\u00e9 de l\u2019Ontario, cliquez <a href=\"https:\/\/www.ontario.ca\/fr\/page\/services-couverts-par-lassurance-sante\" target=\"_blank\" rel=\"noopener noreferrer\">ici<\/a>. Il est \u00e9galement important de savoir que l\u2019<strong>Assurance-sant\u00e9 de l\u2019Ontario a ses limites\u00a0<\/strong>et que certains aspects des soins de sant\u00e9 ne sont pas couverts. Si vous engagez des frais m\u00e9dicaux qui ne sont pas couverts par l\u2019Assurance-sant\u00e9 de l\u2019Ontario, quelques options s\u2019offrent \u00e0 vous\u00a0:<\/p>\n<ul>\n<li>Payer le solde des frais m\u00e9dicaux de votre poche<\/li>\n<li>Obtenir une assurance maladie priv\u00e9e<\/li>\n<li>Obtenir une assurance maladie collective<\/li>\n<\/ul>\n[\/vc_column_text][\/toggle][\/toggles][divider line_type=\u00a0\u00bbNo Line\u00a0\u00bb custom_height=\u00a0\u00bb25&Prime;][vc_column_text]\n<h4><strong>Voici des sc\u00e9narios dans lesquels l\u2019assurance maladies graves peut vous aider<\/strong><\/h4>\n<ol>\n<li><em>Philippe a re\u00e7u un diagnostic de cancer de l\u2019estomac il y a quelques mois et a commenc\u00e9 son traitement de chimioth\u00e9rapie, dont le co\u00fbt est couvert par son r\u00e9gime provincial d\u2019assurance maladie. Il se sent souvent faible et naus\u00e9eux et a de la difficult\u00e9 \u00e0 effectuer ses t\u00e2ches m\u00e9nag\u00e8res pendant son r\u00e9tablissement. Il est absent du travail depuis quelques mois et, comme les plafonds de ses autres r\u00e9gimes (y compris le r\u00e9gime d\u2019assurance collective offert par son employeur) sont atteints, il n\u2019a plus de couverture. Le r\u00e9gime provincial d\u2019assurance maladie de Philippe ne couvre pas l\u2019aide \u00e0 domicile suppl\u00e9mentaire pour les personnes de son \u00e2ge. Heureusement, Philippe avait une assurance maladies graves en place avant son diagnostic, ce qui signifie qu\u2019il peut se servir de la prestation pr\u00e9vue au titre de cette couverture pour embaucher un aide \u00e0 domicile qui se chargera des t\u00e2ches m\u00e9nag\u00e8res pendant qu\u2019il se r\u00e9tablit. Il peut aussi l\u2019utiliser pour remplacer son revenu perdu pendant son absence du travail.<\/em><\/li>\n<\/ol>\n<ol start=\"2\">\n<li><em>Sandy a subi une crise cardiaque il y a quelques jours et se r\u00e9tablit actuellement aux soins intensifs de l\u2019h\u00f4pital. L\u2019h\u00f4pital veut bient\u00f4t la transf\u00e9rer dans une autre aile, mais Sandy veut b\u00e9n\u00e9ficier du confort et de l\u2019intimit\u00e9 d\u2019une chambre \u00e0 un lit avec t\u00e9l\u00e9vision pour se divertir. Malheureusement, le r\u00e9gime provincial d\u2019assurance maladie de Sandy ne couvrira pas son s\u00e9jour dans une chambre \u00e0 un lit, ni m\u00eame \u00e0 deux lits. Heureusement, l\u2019assurance maladies graves de Sandy peut couvrir une chambre \u00e0 un lit, ce qui l\u2019aidera \u00e0 se r\u00e9tablir rapidement et confortablement!<\/em><\/li>\n<\/ol>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=\u00a0\u00bbin_container\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb bg_color=\u00a0\u00bb#f7f5f2&Prime; scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbcenter\u00a0\u00bb translate_y=\u00a0\u00bb20&Prime; overlay_strength=\u00a0\u00bb0.3&Prime; shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb shape_type=\u00a0\u00bb\u00a0\u00bb][vc_column column_padding=\u00a0\u00bbpadding-5-percent\u00a0\u00bb column_padding_position=\u00a0\u00bbleft-right\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb width=\u00a0\u00bb1\/1&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_row_inner equal_height=\u00a0\u00bbyes\u00a0\u00bb content_placement=\u00a0\u00bbmiddle\u00a0\u00bb column_margin=\u00a0\u00bbdefault\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1600354966037{border-bottom-width: 1px !important;border-bottom-style: none !important;}\u00a0\u00bb][vc_column_inner column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_position=\u00a0\u00bbleft-right\u00a0\u00bb centered_text=\u00a0\u00bbtrue\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb width=\u00a0\u00bb5\/6&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb offset=\u00a0\u00bbvc_col-lg-10 vc_col-md-10 vc_col-xs-10&Prime;][vc_column_text css=\u00a0\u00bb.vc_custom_1606500817406{padding-top: 10px !important;padding-bottom: 20px !important;}\u00a0\u00bb]\n<h5 style=\"text-align: left;\">Plan de protection du Canada offre l&rsquo;<a style=\"font-weight: bold;\" href=\"https:\/\/www.cpp.ca\/fr\/maladies-graves\/\" target=\"_blank\" rel=\"noopener noreferrer\">assurance maladies graves<\/a>, une option d\u2019assurance qui peut combler les lacunes des r\u00e9gimes provinciaux d\u2019assurance maladie comme l\u2019Assurance-sant\u00e9 de l\u2019Ontario et vous aider \u00e0 obtenir la couverture et les soins dont vous avez besoin.<\/h5>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb width=\u00a0\u00bb1\/6&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb offset=\u00a0\u00bbvc_col-lg-2 vc_col-md-2 vc_col-xs-2&Prime;][image_with_animation image_url=\u00a0\u00bb24943&Prime; alignment=\u00a0\u00bbcenter\u00a0\u00bb animation=\u00a0\u00bbNone\u00a0\u00bb border_radius=\u00a0\u00bbnone\u00a0\u00bb box_shadow=\u00a0\u00bbnone\u00a0\u00bb max_width=\u00a0\u00bb100%\u00a0\u00bb][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=\u00a0\u00bbin_container\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3&Prime; shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_column column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb width=\u00a0\u00bb1\/1&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_column_text]<em style=\"font-size: 13px; line-height: 20px;\">Les renseignements ci-inclus sont en date de leur publication et peuvent changer.<br \/>\nLes personnes mentionn\u00e9es dans les sc\u00e9narios sont pr\u00e9sent\u00e9es aux fins d\u2019illustration seulement.<\/em>[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=\u00a0\u00bbin_container\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb zindex=\u00a0\u00bb99&Prime; 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background_hover_color_opacity=\u00a0\u00bb1&Prime; column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb width=\u00a0\u00bb1\/6&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb offset=\u00a0\u00bbvc_col-lg-2 vc_col-md-2 vc_col-xs-2&Prime;][image_with_animation image_url=\u00a0\u00bb14243&Prime; alignment=\u00a0\u00bbcenter\u00a0\u00bb animation=\u00a0\u00bbNone\u00a0\u00bb border_radius=\u00a0\u00bbnone\u00a0\u00bb box_shadow=\u00a0\u00bbnone\u00a0\u00bb max_width=\u00a0\u00bb100%\u00a0\u00bb][\/vc_column_inner][vc_column_inner column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb column_link_target=\u00a0\u00bb_self\u00a0\u00bb width=\u00a0\u00bb5\/6&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb offset=\u00a0\u00bbvc_col-lg-10 vc_col-md-10 vc_col-xs-10&Prime;][vc_column_text]\n<div style=\"font-size: 13px; line-height: 18px;\"><strong style=\"font-weight: bold; letter-spacing: 0.2px;\"><a style=\"font-weight: bold;\" href=\"http:\/\/ppcqc.ca\" target=\"_blank\" rel=\"noopener noreferrer\">Plan de protection du Canada<\/a> est un chef de file en assurance vie sans exigence m\u00e9dicale et \u00e0 \u00e9mission simplifi\u00e9e au Canada.<\/strong> Notre mission est de fournir une protection fiable et un service compatissant d\u2019un oc\u00e9an \u00e0 l\u2019autre avec une assurance vie, une assurance maladies graves et des produits connexes faciles \u00e0 acheter. Notre gamme de produits croissante vous aidera \u00e0 obtenir la couverture et la tranquillit\u00e9 d\u2019esprit dont vous avez besoin pour vous assurer un meilleur avenir financier. Les produits de Plan de protection du Canada sont offerts par l\u2019interm\u00e9diaire de plus de 25 000 conseillers en assurance ind\u00e9pendants partout au Canada.<\/div>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"<p>[vc_row type=\u00a0\u00bbin_container\u00a0\u00bb full_screen_row_position=\u00a0\u00bbmiddle\u00a0\u00bb scene_position=\u00a0\u00bbcenter\u00a0\u00bb text_color=\u00a0\u00bbdark\u00a0\u00bb text_align=\u00a0\u00bbleft\u00a0\u00bb overlay_strength=\u00a0\u00bb0.3&Prime; shape_divider_position=\u00a0\u00bbbottom\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_column column_padding=\u00a0\u00bbno-extra-padding\u00a0\u00bb column_padding_position=\u00a0\u00bball\u00a0\u00bb background_color_opacity=\u00a0\u00bb1&Prime; background_hover_color_opacity=\u00a0\u00bb1&Prime; column_link_target=\u00a0\u00bb_self\u00a0\u00bb column_shadow=\u00a0\u00bbnone\u00a0\u00bb column_border_radius=\u00a0\u00bbnone\u00a0\u00bb width=\u00a0\u00bb1\/1&Prime; tablet_width_inherit=\u00a0\u00bbdefault\u00a0\u00bb tablet_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb phone_text_alignment=\u00a0\u00bbdefault\u00a0\u00bb column_border_width=\u00a0\u00bbnone\u00a0\u00bb column_border_style=\u00a0\u00bbsolid\u00a0\u00bb bg_image_animation=\u00a0\u00bbnone\u00a0\u00bb][vc_column_text]Bien que les r\u00e9gimes provinciaux d\u2019assurance maladie soient&#8230;<\/p>\n","protected":false},"author":120,"featured_media":25527,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[358,365,366,367],"tags":[359,360],"class_list":["post-25517","post","type-post","status-publish","format-standard","has-post-thumbnail","category-blogue","category-conseillers-fr","category-news-fr","category-patriculiers-fr","tag-conseillers","tag-patriculiers"],"acf":[],"yoast_head":"<!-- This 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provincial d\u2019assurance maladie, pourquoi aurais-je besoin d\u2019une assurance maladies graves? | Plan de protection du Canada\" \/>\n<meta property=\"og:description\" content=\"D\u00e9couvrez les diff\u00e9rences entre les r\u00e9gimes provinciaux d\u2019assurance maladie et l\u2019assurance maladies graves en ce qui a trait \u00e0 l\u2019admissibilit\u00e9 et la couverture.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cpp.ca\/fr\/blogue\/si-jai-un-regime-provincial-dassurance-maladie-pourquoi-aurais-je-besoin-dune-assurance-maladies-graves\/\" \/>\n<meta property=\"og:site_name\" content=\"Plan de protection du Canada\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CanadaProtectionPlan\/\" \/>\n<meta property=\"article:published_time\" content=\"2020-12-02T10:00:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-03-31T17:59:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cpp.ca\/wp-content\/uploads\/2020\/11\/cpp-if-i-have-a-provincial-health-insurance-plan-why-do-i-need-critical-illness-insurance.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Andrew Mcloughlin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@CanadaProtPlan\" \/>\n<meta name=\"twitter:site\" content=\"@CanadaProtPlan\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Andrew Mcloughlin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimation du temps de lecture\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" 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