{"id":870,"date":"2026-06-05T21:23:53","date_gmt":"2026-06-05T21:23:53","guid":{"rendered":"https:\/\/lets-canada.com\/canada-life-guide\/insurance-guide\/"},"modified":"2026-08-03T05:48:23","modified_gmt":"2026-08-03T05:48:23","slug":"insurance-guide","status":"publish","type":"page","link":"https:\/\/lets-canada.com\/zh\/canada-life-guide\/insurance-guide\/","title":{"rendered":"\u52a0\u62ff\u5927\u533b\u7597\u4fdd\u9669\u5b8c\u6574\u6307\u5357\uff082026\uff09\u2014\u2014MSP\u3001OHIP \u7533\u8bf7\u6d41\u7a0b\u4e0e\u7b49\u5f85\u671f\u653b\u7565"},"content":{"rendered":"<p>\u52a0\u62ff\u5927\u6709\u5168\u6c11\u533b\u7597\u4fdd\u9669\uff0c\u4f46\u201c\u5168\u6c11\u201d\u4e0d\u4ee3\u8868\u201c\u843d\u5730\u9a6c\u4e0a\u6709\u201d\u3002<\/p>\n<p>BC \u7701\u7684\u65b0\u79fb\u6c11\u8981\u7b49\u5927\u7ea6 3 \u4e2a\u6708\u624d\u80fd\u4eab\u53d7 MSP\uff1b\u5373\u4f7f\u5b89\u7701 OHIP \u6ca1\u6709\u7b49\u5f85\u671f\uff0c\u4f60\u4e5f\u9700\u8981\u4e3b\u52a8\u53bb\u529e\u2014\u2014\u5065\u4fdd\u4e0d\u4f1a\u81ea\u52a8\u51fa\u73b0\u5728\u4f60\u7684\u6237\u5934\u91cc\u3002<\/p>\n<p>\u8fd9\u7bc7\u6587\u7ae0\u544a\u8bc9\u4f60\u5404\u7701\u5065\u4fdd\u600e\u4e48\u7533\u8bf7\u3001\u7b49\u5f85\u671f\u600e\u4e48\u6865\u63a5\u3001\u54ea\u4e9b\u8d39\u7528\u5065\u4fdd\u4e0d\u5305\u3001\u8865\u5145\u4fdd\u9669\u600e\u4e48\u9009\u3002<\/p>\n<h4>\u5404\u7701\u5065\u4fdd\u6bd4\u8f83\u4e0e BC \u7701 MSP \u7533\u8bf7\u653b\u7565<\/h4>\n<div style=\"overflow-x:auto\">\n<table>\n<thead>\n<tr>\n<th>\u7701\u4efd<\/th>\n<th>\u5065\u4fdd\u540d\u79f0<\/th>\n<th>\u7b49\u5f85\u671f<\/th>\n<th>\u7533\u8bf7\u65b9\u5f0f<\/th>\n<th>\u8d39\u7528<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>BC\u7701<\/td>\n<td>MSP<\/td>\n<td>\u7ea6 3 \u4e2a\u6708<\/td>\n<td>\u7ebf\u4e0a\u6216\u90ae\u5bc4<\/td>\n<td>\u514d\u8d39<\/td>\n<\/tr>\n<tr>\n<td>\u5b89\u7701<\/td>\n<td>OHIP<\/td>\n<td>\u65e0\uff082020\u5e74\u8d77\uff09<\/td>\n<td>ServiceOntario \u4eb2\u529e<\/td>\n<td>\u514d\u8d39<\/td>\n<\/tr>\n<tr>\n<td>\u4e9a\u4f2f\u8fbe\u7701<\/td>\n<td>AHCIP<\/td>\n<td>\u65e0\uff08\u7b2c\u4e00\u5929\u751f\u6548\uff09<\/td>\n<td>AHS \u7f51\u7ad9<\/td>\n<td>\u514d\u8d39<\/td>\n<\/tr>\n<tr>\n<td>\u9b41\u5317\u514b\u7701<\/td>\n<td>RAMQ<\/td>\n<td>\u7ea6 3 \u4e2a\u6708<\/td>\n<td>RAMQ \u7f51\u7ad9<\/td>\n<td>\u514d\u8d39<\/td>\n<\/tr>\n<tr>\n<td>\u66fc\u5c3c\u6258\u5df4\u7701<\/td>\n<td>Manitoba Health<\/td>\n<td>\u7121<\/td>\n<td>Health Registration<\/td>\n<td>\u514d\u8d39<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h4>MSP \u662f\u4ec0\u4e48\uff1f<\/h4>\n<p>Medical Services Plan (MSP) \u662f BC \u7701\u7684\u7701\u7ea7\u5065\u4fdd\uff0c\u6db5\u76d6\uff1a<\/p>\n<ul>\n<li>\u770b\u5bb6\u5ead\u533b\u751f\uff08GP\uff09\u8bca\u8d39<\/li>\n<li>\u6025\u8bca\u5ba4\uff08Emergency Room\uff09<\/li>\n<li>\u5927\u90e8\u5206\u4e13\u79d1\u95e8\u8bca<\/li>\n<li>\u4f4f\u9662\u8d39\u7528<\/li>\n<li>\u624b\u672f\u8d39\u7528<\/li>\n<\/ul>\n<p><strong>\u4e0d\u6db5\u76d6\uff1a<\/strong>\u7259\u79d1\u3001\u773c\u79d1\uff08\u6210\u4eba\uff09\u3001\u836f\u7269\u3001\u6551\u62a4\u8f66\u8d39\u7528\uff08\u90e8\u5206\u6db5\u76d6\uff09\u3001\u6574\u810a\uff08Chiropractic\uff09\u3002<\/p>\n<p><strong>MSP \u7533\u8bf7\u6d41\u7a0b<\/strong><\/p>\n<ol>\n<li>\u524d\u5f80 <a href=\"https:\/\/www2.gov.bc.ca\/gov\/content\/health\/health-drug-coverage\/msp\/bc-residents\/eligibility-and-enrolment\" target=\"_blank\" rel=\"noopener\">Health Insurance BC \u7f51\u7ad9<\/a><\/li>\n<li>\u586b\u5199 HIBC Form MSP 102 (Enrolment Form)<\/li>\n<li>\u9700\u8981\uff1a\u62a4\u7167\u3001PR Card\/Work Permit\u3001BC \u7701\u5c45\u4f4f\u5730\u5740<\/li>\n<li>\u7b49\u5f85\u671f\uff1a<strong>\u7533\u8bf7\u6708\u4efd\u6b21\u6708\u8d77\u8ba1\u7b97 3 \u4e2a\u6708<\/strong>\uff08\u4f8b\u5982\uff1a6\u6708\u7533\u8bf7 \u2192 9\u67081\u65e5\u751f\u6548\uff09<\/li>\n<\/ol>\n<p><strong>\u7701\u94b1\u79d8\u8bc0\uff1a<\/strong>\u8d8a\u65e9\u7533\u8bf7\u8d8a\u597d\uff01\u7b49\u5f85\u671f\u4ece\u4f60\u63d0\u4ea4\u7533\u8bf7\u7684\u6708\u4efd\u8ba1\u7b97\uff0c\u4e0d\u662f\u4ece\u4f60\u843d\u5730\u90a3\u5929\u5f00\u59cb\u3002\u843d\u5730\u5f53\u5929\u5c31\u7533\u8bf7\uff0c\u53ef\u4ee5\u6700\u5c0f\u5316\u7b49\u5f85\u65f6\u95f4\u3002<\/p>\n<p><strong>MSP \u7b49\u5f85\u671f\u7684\u6865\u63a5\u4fdd\u9669<\/strong><\/p>\n<p>\u7b49\u5f85\u671f\u95f4\u53d1\u751f\u4efb\u4f55\u533b\u7597\u8d39\u7528\u90fd\u9700\u8981\u81ea\u8d39\uff0c\u5c0f\u611f\u5192\u6025\u8bca\u53ef\u80fd\u8981 $200\u2013$500 CAD\uff0c\u4f4f\u9662\u4e00\u665a\u53ef\u80fd\u51e0\u5343\u5143\u3002<strong>\u5f3a\u70c8\u5efa\u8bae\u8d2d\u4e70\u77ed\u671f\u79fb\u6c11\u6865\u63a5\u4fdd\u9669\u3002<\/strong><\/p>\n<p>\u5e38\u89c1\u9009\u62e9\uff1a<\/p>\n<ul>\n<li><strong>Guard.me New Immigrant Health Plan\uff1a<\/strong>\u6708\u8d39\u7ea6 $80\u2013$120 CAD\uff0c\u6709\u4e2d\u6587\u5ba2\u670d<\/li>\n<li><strong>Manulife CoverMe Travel Insurance\uff1a<\/strong>\u6708\u8d39\u7ea6 $100\u2013$150 CAD<\/li>\n<li><strong>Blue Cross Travel Insurance\uff1a<\/strong>\u6708\u8d39\u7ea6 $90\u2013$130 CAD<\/li>\n<\/ul>\n<p>\u26a0\ufe0f <strong>\u8e29\u96f7\u8b66\u544a\uff1a<\/strong>\u8fd9\u7c7b\u6865\u63a5\u4fdd\u9669\u901a\u5e38<strong>\u4e0d\u6db5\u76d6\u9884\u5b58\u7684\u75be\u75c5\uff08Pre-existing Conditions\uff09<\/strong>\u3002\u5982\u679c\u4f60\u6709\u6162\u6027\u75c5\uff0c\u8981\u7279\u522b\u4ed4\u7ec6\u9605\u8bfb\u4fdd\u5355\u6761\u6b3e\uff0c\u6216\u9009\u62e9\u6709\u6db5\u76d6 Pre-existing \u7684\u8ba1\u5212\uff08\u8d39\u7528\u8f83\u9ad8\uff09\u3002<\/p>\n<p><strong>BC Services Card<\/strong><\/p>\n<p>MSP \u6279\u51c6\u540e\uff0c\u4f60\u4f1a\u6536\u5230 BC Services Card\u3002\u8fd9\u5f20\u5361\u540c\u65f6\u662f\uff1a<\/p>\n<ul>\n<li>\u7701\u7ea7\u5065\u4fdd\u5361\uff08\u5c31\u533b\u65f6\u51fa\u793a\uff09<\/li>\n<li>\u7701\u4efd\u8eab\u4efd\u8bc6\u522b\u8bc1<\/li>\n<li>\u53ef\u7528\u4e8e\u8bbf\u95ee\u7701\u653f\u5e9c\u7ebf\u4e0a\u670d\u52a1<\/li>\n<\/ul>\n<p><strong>\u5b89\u7701 OHIP \u4e0e\u4e9a\u4f2f\u8fbe\u7701 AHCIP \u7533\u8bf7\u653b\u7565<\/strong><\/p>\n<p><strong>OHIP \u65e0\u7b49\u5f85\u671f\uff082020\u5e74\u8d77\uff09<\/strong><\/p>\n<p>Ontario Health Insurance Plan (OHIP) \u81ea 2020 \u5e74\u8d77\u53d6\u6d88\u4e86 3 \u4e2a\u6708\u7b49\u5f85\u671f\u3002\u6301\u6709\u6709\u6548 Work Permit\u3001Study Permit \u6216 PR Card \u7684\u65b0\u79fb\u6c11\uff0c<strong>\u7533\u8bf7\u540e\u5f53\u5929\u6216\u6b21\u4e2a\u5de5\u4f5c\u65e5\u5373\u53ef\u4f7f\u7528<\/strong>\u3002<\/p>\n<p><strong>OHIP \u7533\u8bf7\u6d41\u7a0b<\/strong><\/p>\n<ol>\n<li>\u524d\u5f80\u4efb\u4e00 <strong>ServiceOntario<\/strong> \u529e\u4e8b\u5904\u4eb2\u529e\uff08\u4e0d\u80fd\u7ebf\u4e0a\u7533\u8bf7\uff09<\/li>\n<li>\u9700\u643a\u5e26\u6587\u4ef6\uff08\u4e09\u9009\u4e8c\uff09\uff1a\n<ul>\n<li>\u62a4\u7167\uff08\u52a0\u4e0a\u5165\u5883\u7ae0\u6216\u79fb\u6c11\u6587\u4ef6\uff09<\/li>\n<li>PR Card<\/li>\n<li>Work\/Study Permit<\/li>\n<li>\u5b89\u7701\u5730\u5740\u8bc1\u660e\uff08\u94f6\u884c\u4fe1\u3001\u79df\u7ea6\u3001\u6c34\u7535\u8d39\u5e10\u5355\uff09<\/li>\n<\/ul>\n<\/li>\n<li>\u5f53\u573a\u62ff\u5230\u4e34\u65f6 OHIP \u5065\u4fdd\u53f7\u7801\uff1b\u6b63\u5f0f\u5361\u7247 4\u20136 \u5468\u540e\u90ae\u5bc4<\/li>\n<\/ol>\n<p><strong>OHIP \u6db5\u76d6\u8303\u56f4<\/strong><\/p>\n<ul>\n<li>\u5bb6\u5ead\u533b\u751f\u3001\u6025\u8bca\u3001\u4e13\u79d1\u95e8\u8bca\u3001\u4f4f\u9662\u3001\u624b\u672f<\/li>\n<li><strong>\u4e0d\u6db5\u76d6\uff1a<\/strong>\u7259\u79d1\u3001\u773c\u79d1\uff08\u6210\u4eba\uff09\u3001\u836f\u7269\u3001\u6551\u62a4\u8f66\uff08$45 CAD\/\u8d9f\uff09<\/li>\n<\/ul>\n<p><strong>\u4e9a\u4f2f\u8fbe\u7701 AHCIP<\/strong><\/p>\n<p>\u4e9a\u4f2f\u8fbe\u7701\u5065\u4fdd\uff08Alberta Health Care Insurance Plan\uff09\u662f\u5168\u52a0\u62ff\u5927\u6700\u65b9\u4fbf\u7684\u7701\u4efd\u4e4b\u4e00\uff0c<strong>\u5165\u7701\u5f53\u5929\u5373\u751f\u6548<\/strong>\uff0c\u4e0d\u9700\u8981\u7b49\u5f85\u3002<\/p>\n<p>\u7ebf\u4e0a\u7533\u8bf7\uff1a<a href=\"https:\/\/www.alberta.ca\/ahcip-how-to-apply\" target=\"_blank\" rel=\"noopener\">Alberta.ca<\/a>\uff0c\u9700\u8981 AB \u7701\u5730\u5740 + \u79fb\u6c11\u6587\u4ef6\u3002<\/p>\n<p><strong>\u8865\u5145\u4fdd\u9669\u4e0e\u770b\u75c5\u6d41\u7a0b\u2014\u2014\u65b0\u79fb\u6c11\u9700\u8981\u77e5\u9053<\/strong><\/p>\n<p><strong>\u8865\u5145\u4fdd\u9669\uff08Supplemental Health\uff09<\/strong><\/p>\n<p>\u7701\u7ea7\u5065\u4fdd\u4e0d\u6db5\u76d6\u7684\u9879\u76ee\uff0c\u53ef\u4ee5\u8d2d\u4e70\u79c1\u4eba\u8865\u5145\u4fdd\u9669\u3002\u4e3b\u8981\u6db5\u76d6\uff1a<\/p>\n<ul>\n<li>\u7259\u79d1\uff08\u5b9a\u671f\u6d17\u7259\u3001\u8865\u7259\u3001\u62d4\u7259\uff09<\/li>\n<li>\u773c\u79d1\uff08\u773c\u955c\u3001\u9690\u5f62\u773c\u955c\u3001\u9a8c\u5149\uff09<\/li>\n<li>\u5904\u65b9\u836f<\/li>\n<li>\u6551\u62a4\u8f66<\/li>\n<li>\u6309\u6469\u6cbb\u7597\u3001\u7269\u7406\u6cbb\u7597<\/li>\n<\/ul>\n<p>\u5e38\u89c1\u9009\u9879\uff1a<\/p>\n<ul>\n<li><strong>Sun Life\uff1a<\/strong>\u5355\u4eba\u7ea6 $80\u2013$200 CAD\/\u6708\uff0c\u89c6\u8ba1\u5212\u800c\u5b9a<\/li>\n<li><strong>Blue Cross\uff1a<\/strong>\u5355\u4eba\u7ea6 $100\u2013$180 CAD\/\u6708<\/li>\n<li><strong>Manulife Flexcare\uff1a<\/strong>\u53ef\u81ea\u8ba2\u6db5\u76d6\u9879\u76ee<\/li>\n<\/ul>\n<p><strong>\u7701\u94b1\u79d8\u8bc0\uff1a<\/strong>\u5982\u679c\u4f60\u6709\u5de5\u4f5c\uff0c\u5f88\u591a\u96c7\u4e3b\u63d0\u4f9b Group Benefits\uff0c\u5305\u542b\u8865\u5145\u4fdd\u9669\uff0c\u6bd4\u4e2a\u4eba\u8d2d\u4e70\u4fbf\u5b9c\u5f88\u591a\u3002\u786e\u8ba4 Offer Letter \u6709\u65e0\u798f\u5229\u518d\u51b3\u5b9a\u8981\u4e0d\u8981\u81ea\u5df1\u4e70\u3002<\/p>\n<p><strong>\u627e\u5bb6\u5ead\u533b\u751f\uff08Family Doctor \/ GP\uff09<\/strong><\/p>\n<p>\u52a0\u62ff\u5927\u7684\u533b\u7597\u7cfb\u7edf\u662f\u4ee5\u5bb6\u5ead\u533b\u751f\u4e3a\u5165\u53e3\u3002<strong>\u6ca1\u6709\u5bb6\u5ead\u533b\u751f\uff0c\u4f60\u51e0\u4e4e\u770b\u4e0d\u4e86\u4e13\u79d1\u3002<\/strong><\/p>\n<p>\u4f46\u574f\u6d88\u606f\u662f\uff1a\u52a0\u62ff\u5927\u5f88\u591a\u5730\u65b9\u5bb6\u5ead\u533b\u751f\u4e25\u91cd\u77ed\u7f3a\uff0c\u7b49\u65b0\u75c5\u4eba\u7684 GP \u9700\u8981\u6392\u961f\u6570\u6708\u751a\u81f3\u6570\u5e74\u3002<\/p>\n<p>\u4f60\u53ef\u4ee5\u7528\u4ee5\u4e0b\u65b9\u5f0f\u627e GP\uff1a<\/p>\n<ul>\n<li>BC\u7701\uff1a<a href=\"https:\/\/www.healthlinkbc.ca\/find-doctor\" target=\"_blank\" rel=\"noopener\">Health Link BC \u533b\u751f\u67e5\u8be2<\/a><\/li>\n<li>\u5b89\u7701\uff1a<a href=\"https:\/\/hcc4me.ca\/\" target=\"_blank\" rel=\"noopener\">Health Care Connect<\/a><\/li>\n<li>\u5168\u56fd\uff1a<a href=\"https:\/\/www.pcnpractice.ca\/\" target=\"_blank\" rel=\"noopener\">Primary Care Network<\/a><\/li>\n<\/ul>\n<p><strong>\u627e\u4e0d\u5230 GP \u600e\u4e48\u529e\uff1f<\/strong><\/p>\n<ul>\n<li><strong>Walk-in Clinic\uff1a<\/strong>\u4e0d\u9700\u8981\u9884\u7ea6\uff0c\u7b49\u5f85 1\u20134 \u5c0f\u65f6\uff0c\u53ef\u5904\u7406\u975e\u7d27\u6025\u75c7\u72b6<\/li>\n<li><strong>Urgent Care Centre\uff1a<\/strong>\u6bd4\u6025\u8bca\u5feb\uff0c\u6bd4 Walk-in \u4e25\u91cd\u7684\u75c7\u72b6<\/li>\n<li><strong>Telehealth\uff1a<\/strong>Maple\u3001Dialogue \u7b49 App \u53ef\u7ebf\u4e0a\u770b\u8bca\uff0c$50\u2013$80 CAD\/\u6b21\uff08\u90e8\u5206\u8865\u5145\u4fdd\u9669\u6db5\u76d6\uff09<\/li>\n<li><strong>811\uff08BC\u7701 HealthLink\uff09\uff1a<\/strong>\u514d\u8d39\u62a4\u58eb\u7535\u8bdd\u8c18\u8be2\uff0c24\u5c0f\u65f6\uff0c\u6709\u4e2d\u6587\u670d\u52a1<\/li>\n<\/ul>\n<p><strong>\u6025\u8bca\u5ba4\u7684\u8d39\u7528<\/strong><\/p>\n<p>\u5982\u679c\u4f60\u5df2\u6709\u6709\u6548\u7701\u5065\u4fdd\uff0c\u6025\u8bca\u5ba4<strong>\u5b8c\u5168\u514d\u8d39<\/strong>\u3002\u4f46\u5982\u679c\u4f60\u5728\u7b49\u5f85\u671f\u5185\u6ca1\u6709\u6865\u63a5\u4fdd\u9669\uff0c\u81ea\u8d39\u6025\u8bca\u4e00\u6b21\u53ef\u80fd $300\u2013$1,000+ CAD\uff0c\u4f4f\u9662\u6bcf\u5929\u66f4\u662f\u6570\u5343\u5143\u3002<\/p>\n<p><strong>\u6253\u5de5\u5ea6\u5047\uff08WHV\uff09\/ \u7559\u5b66\u751f\u2014\u2014\u7701\u5065\u4fdd\u7533\u8bf7\u8d44\u683c\u8be6\u89e3<\/strong><\/p>\n<p>\u5f88\u591a\u6253\u5de5\u5ea6\u5047\u8005\u548c\u7559\u5b66\u751f\u4ee5\u4e3a\u201c\u6211\u4e0d\u662f PR\uff0c\u6240\u4ee5\u4e0d\u80fd\u7533\u8bf7\u7701\u5065\u4fdd\u201d\uff0c\u5176\u5b9e<strong>\u4e0d\u5b8c\u5168\u6b63\u786e<\/strong>\u3002\u5927\u591a\u6570\u7701\u4efd\u5f00\u653e\u6301\u6709\u6548\u5de5\u4f5c\u6216\u5b66\u4e60\u8bb8\u53ef\u7684\u4eba\u7533\u8bf7\u7701\u5065\u4fdd\uff0c\u4f46\u6761\u4ef6\u5404\u5f02\uff1a<\/p>\n<div style=\"overflow-x:auto\">\n<table>\n<thead>\n<tr>\n<th>\u7701\u4efd<\/th>\n<th>WHV\uff08\u6253\u5de5\u5ea6\u5047\uff09<\/th>\n<th>\u7559\u5b66\u751f\uff08Study Permit\uff09<\/th>\n<th>\u7b49\u5f85\u671f<\/th>\n<th>\u5907\u6ce8<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>BC\u7701<\/strong><\/td>\n<td>\u2705 Open Work Permit \u6548\u671f 6 \u4e2a\u6708\u4ee5\u4e0a<br \/>\u53ef\u7533\u8bf7 MSP<\/td>\n<td>\u26a0\ufe0f \u9700\u9010\u6848\u5ba1\u6838\uff0c\u90e8\u5206\u6838\u51c6<\/td>\n<td>\u7ea6 3 \u4e2a\u6708<\/td>\n<td>\u6548\u671f\u4e0d\u8db3 6 \u4e2a\u6708\u8005\u9700\u8d2d\u4e70\u6865\u63a5\u4fdd\u9669<\/td>\n<\/tr>\n<tr>\n<td><strong>\u5b89\u7701<\/strong><\/td>\n<td>\u2705 \u6301\u6709\u6548 Work Permit \u53ef\u7533\u8bf7 OHIP<\/td>\n<td>\u2705 \u6301\u6709\u6548 Study Permit \u53ef\u7533\u8bf7<\/td>\n<td>\u65e0\u7b49\u5f85\u671f\uff082020\u5e74\u8d77\uff09<\/td>\n<td>\u7533\u8bf7\u5f53\u5929\u5373\u751f\u6548\uff0c\u662f\u5bf9 WHV \u6700\u53cb\u5584\u7684\u7701\u4efd<\/td>\n<\/tr>\n<tr>\n<td><strong>\u4e9a\u4f2f\u8fbe\u7701<\/strong><\/td>\n<td>\u2705 \u6301\u6709\u6548 Work Permit \u53ef\u7533\u8bf7 AHCIP<\/td>\n<td>\u2705 \u6301\u6709\u6548 Study Permit \u53ef\u7533\u8bf7<\/td>\n<td>3 \u4e2a\u6708<\/td>\n<td>\u7533\u8bf7\u7b2c\u4e00\u5929\u8d77\u7b97\uff0c3 \u4e2a\u6708\u540e\u751f\u6548<\/td>\n<\/tr>\n<tr>\n<td><strong>\u9b41\u5317\u514b\u7701<\/strong><\/td>\n<td>\u26a0\ufe0f \u590d\u6742\uff0c\u89c6 WHV \u7c7b\u522b\u800c\u5b9a<\/td>\n<td>\u26a0\ufe0f \u90e8\u5206\u60c5\u51b5\u53ef\u7533\u8bf7 RAMQ<\/td>\n<td>\u7ea6 3 \u4e2a\u6708<\/td>\n<td>\u9b41\u7701 RAMQ \u5bf9\u4e34\u65f6\u5c45\u6c11\u9650\u5236\u8f83\u591a\uff0c\u5f3a\u70c8\u5efa\u8bae\u8d2d\u4e70\u6865\u63a5\u4fdd\u9669<\/td>\n<\/tr>\n<tr>\n<td><strong>\u66fc\u5c3c\u6258\u5df4\u7701<\/strong><\/td>\n<td>\u2705 \u6301\u6709\u6548 Work Permit \u53ef\u7533\u8bf7<\/td>\n<td>\u2705 \u6301\u6709\u6548 Study Permit \u53ef\u7533\u8bf7<\/td>\n<td>\u7121<\/td>\n<td>\u9a6c\u7701\u5bf9\u4e34\u65f6\u5c45\u6c11\u5065\u4fdd\u5f00\u653e\u5ea6\u8f83\u9ad8<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><strong>WHV \u5e38\u89c1\u60c5\u5883\u5efa\u8bae<\/strong><\/p>\n<div style=\"background:#f0f7ff;border-left:4px solid #2196f3;padding:12px 16px;border-radius:4px;margin:12px 0\">\n<strong>\u5728\u5b89\u7701\u7684 WHV\uff1a<\/strong>\u843d\u5730\u5c31\u7533\u8bf7 OHIP\uff0c\u65e0\u7b49\u5f85\u671f\uff0c\u4e00\u843d\u5730\u5c31\u6709\u4fdd\u969c\u3002\u8fd9\u662f\u6700\u7b80\u5355\u7684\u60c5\u51b5\u3002\n<\/div>\n<div style=\"background:#f0f7ff;border-left:4px solid #2196f3;padding:12px 16px;border-radius:4px;margin:12px 0\">\n<strong>\u5728 BC \u7701\u7684 WHV\uff1a<\/strong>\u786e\u8ba4 Open Work Permit \u6548\u671f\u662f\u5426\u8d85\u8fc7 6 \u4e2a\u6708\u3002\u662f \u2192 \u7533\u8bf7 MSP\uff0c\u540c\u65f6\u8d2d\u4e70\u6865\u63a5\u4fdd\u9669\u5ea6\u8fc7\u7b49\u5f85\u671f\u3002\u5426 \u2192 \u5168\u7a0b\u8d2d\u4e70\u6865\u63a5\u4fdd\u9669\u3002\n<\/div>\n<div style=\"background:#fff3e0;border-left:4px solid #ff9800;padding:12px 16px;border-radius:4px;margin:12px 0\">\n<strong>\u26a0\ufe0f \u5728\u9b41\u7701\u7684 WHV\uff1a<\/strong>\u76f4\u63a5\u8d2d\u4e70\u6865\u63a5\u4fdd\u9669\u6700\u7a33\u59a5\u3002RAMQ \u7533\u8bf7\u7ed3\u679c\u4e0d\u786e\u5b9a\u6027\u9ad8\u3002\n<\/div>\n<p><strong>WHV \u6865\u63a5\u4fdd\u9669\u63a8\u8350<\/strong><\/p>\n<p>\u5728\u7701\u5065\u4fdd\u7b49\u5f85\u671f\u95f4\uff08\u901a\u5e38 3 \u4e2a\u6708\uff09\uff0c\u6216\u7701\u5065\u4fdd\u4e0d\u6db5\u76d6\u4f60\u7684\u60c5\u51b5\u4e0b\uff0c\u4ee5\u4e0b\u662f\u51e0\u4e2a\u5e38\u89c1\u9009\u62e9\uff1a<\/p>\n<ul>\n<li><strong>Manulife CoverMe\uff1a<\/strong>\u6708\u8d39\u7ea6 $60\u2013$100\uff0c\u6db5\u76d6\u6025\u8bca\u3001\u4f4f\u9662\u3001\u7d27\u6025\u624b\u672f<\/li>\n<li><strong>Sun Life Temporary:<\/strong> \u77ed\u671f\u533b\u7597\u4fdd\u9669\uff0c\u9002\u5408 WHV<\/li>\n<li><strong>Travel Insurance\uff08\u65c5\u6e38\u4fdd\u9669\uff09\uff1a<\/strong>\u26a0\ufe0f \u4e0d\u9002\u5408\u65b0\u79fb\u6c11\uff0c\u901a\u5e38\u6709\u201c\u5c45\u4f4f\u8d85\u8fc7 X \u5929\u540e\u5931\u6548\u201d\u6761\u6b3e\uff0c\u8bf7\u786e\u8ba4\u6761\u6b3e\u662f\u5426\u6db5\u76d6\u201c\u5728\u52a0\u62ff\u5927\u5c45\u4f4f\u671f\u95f4\u201d<\/li>\n<li><strong>GUARD.me\uff1a<\/strong>\u4e13\u95e8\u9488\u5bf9\u7559\u5b66\u751f\uff0c\u6309\u6708\u8ba1\u8d39\uff0c\u6db5\u76d6\u5927\u90e8\u5206\u5b66\u6821\u8981\u6c42\u7684\u4fdd\u969c<\/li>\n<\/ul>\n<p><strong>\u66f4\u591a\u8be6\u60c5\uff1a<\/strong>\u8bf7\u53c2\u8003\u6211\u4eec\u7684 <a href=\"\/zh\/%e6%89%93%e5%b7%a5%e5%ba%a6%e5%81%87%e3%80%81%e7%95%99%e5%ad%a6%e7%94%9f%e5%8c%bb%e4%bf%9d%e8%a1%94%e6%8e%a5%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97-%e7%9c%81%e5%8c%bb%e4%bf%9d%e7%ad%89\/\">\u6253\u5de5\u5ea6\u5047\uff0f\u7559\u5b66\u751f\u5065\u4fdd\u6865\u63a5\u5b8c\u6574\u6307\u5357<\/a>\u3002<\/p>\n<p><strong>FAQ<\/strong><\/p>\n<p><strong>Q\uff1a\u65c5\u6e38\u4fdd\u9669\u548c\u79fb\u6c11\u6865\u63a5\u4fdd\u9669\u4e00\u6837\u5417\uff1f<\/strong><\/p>\n<p>\u4e0d\u4e00\u6837\u3002\u65c5\u6e38\u4fdd\u9669\u901a\u5e38\u6709\u201c\u5728\u52a0\u62ff\u5927\u5c45\u4f4f\u8d85\u8fc7\u4e00\u5b9a\u5929\u6570\u5c31\u5931\u6548\u201d\u7684\u6761\u6b3e\uff0c\u4e0d\u9002\u5408\u65b0\u79fb\u6c11\u3002\u4e00\u5b9a\u8981\u4e70<strong>\u4e13\u95e8\u9488\u5bf9\u65b0\u79fb\u6c11<\/strong>\u7684\u6865\u63a5\u4fdd\u9669\uff08New Immigrant Health Plan\uff09\u3002<\/p>\n<p><strong>Q\uff1a\u53f0\u6e7e\u7684\u5168\u6c11\u5065\u4fdd\u53ef\u4ee5\u5728\u52a0\u62ff\u5927\u4f7f\u7528\u5417\uff1f<\/strong><\/p>\n<p>\u4e0d\u884c\u3002\u53f0\u6e7e\u5065\u4fdd\u5728\u53f0\u6e7e\u5883\u5916\u65e0\u6548\u3002\u51fa\u53d1\u524d\u8bb0\u5f97\u5148\u6682\u505c\u6216\u7ef4\u6301\u53f0\u6e7e\u5065\u4fdd\u7684\u6700\u4f4e\u7f34\u8d39\uff0c\u4ee5\u4fbf\u56de\u53f0\u65f6\u53ef\u4ee5\u6062\u590d\u4f7f\u7528\u3002<\/p>\n<p><strong>Q\uff1a\u5065\u4fdd\u5361\u9057\u5931\u600e\u4e48\u8865\u529e\uff1f<\/strong><\/p>\n<p>BC MSP\uff1a\u6253 1-800-663-7100 \u6216\u5230 HIBC \u529e\u4e8b\u5904\u8865\u529e\u3002<br \/>\u5b89\u7701 OHIP\uff1a\u5230 ServiceOntario \u529e\u4e8b\u5904\u8865\u529e\uff0c\u514d\u8d39\u3002<\/p>\n<p><strong>Q\uff1a\u6362\u7701\u4efd\u9700\u8981\u91cd\u65b0\u7533\u8bf7\u5065\u4fdd\u5417\uff1f<\/strong><\/p>\n<p>\u662f\u7684\u3002\u4f60\u9700\u8981\u7533\u8bf7\u65b0\u7701\u4efd\u7684\u5065\u4fdd\uff0c\u5e76\u7b49\u5f85\u751f\u6548\u3002\u901a\u5e38\u65e7\u7701\u4efd\u5065\u4fdd\u4f1a\u6db5\u76d6\u5230\u4f60\u65b0\u7533\u8bf7\u7684\u7701\u4efd\u5065\u4fdd\u751f\u6548\u4e3a\u6b62\uff08\u5404\u7701\u534f\u8bae\u4e0d\u540c\uff09\u3002<\/p>\n<p><strong>\u5ef6\u4f38\u9605\u8bfb<\/strong><\/p>\n<ul>\n<li><a href=\"\/zh\/canada-life-guide\/newcomer-checklist\/\">\u65b0\u79fb\u6c11\u843d\u5730\u5fc5\u529e Checklist\uff082026\uff09<\/a><\/li>\n<li><a href=\"\/zh\/canada-life-guide\/bank-account\/\">\u52a0\u62ff\u5927\u94f6\u884c\u5e10\u6237\u5f00\u6237\u5b8c\u6574\u6307\u5357<\/a><\/li>\n<li><a href=\"\/zh\/canada-life-guide\/useful-websites\/%e5%8a%a0%e6%8b%bf%e5%a4%a7%e6%b1%82%e8%81%8c%e6%94%bb%e7%95%a5%ef%bc%882026%ef%bc%89-%e6%96%b0%e7%a7%bb%e6%b0%91%e6%89%be%e5%b7%a5%e4%bd%9c%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/\">\u52a0\u62ff\u5927\u6c42\u804c\u653b\u7565\u2014\u2014\u65b0\u79fb\u6c11\u627e\u5de5\u4f5c\u6307\u5357<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>2026 \u52a0\u62ff\u5927\u7701\u7ea7\u533b\u7597\u4fdd\u9669\u6307\u5357\uff0c\u8bf4\u660e MSP \u4e0e OHIP \u7684\u8d44\u683c\u3001\u7533\u8bf7\u6d41\u7a0b\u3001\u7b49\u5f85\u671f\u548c\u4e34\u65f6\u79c1\u4eba\u4fdd\u9669\u3002<\/p>","protected":false},"author":1,"featured_media":9659,"parent":681,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-with-title","meta":{"_lc_last_content_reviewed_at":"2026-07-20T10:00:00Z","_lc_last_fact_checked_at":"2026-07-20T10:00:00Z","_lc_fact_check_status":"verified","_lc_source_grade":"A","_lc_source_titles":"","_lc_source_publish_dates":"","_lc_source_accessed_at":"2026-07-20T10:00:00Z","_lc_claims_checked":"date_time: 9\u67081\u65e5 | money_price: $200 \/ $500 \/ $80 \/ $120 \/ $100 \/ $150 \/ $90 \/ $130 \/ $45 \/ $180 \/ $50 \/ $300 \/ $1,000 \/ $60 | law_policy: \u91ab\u7642 \/ \u4fdd\u96aa \/ Medical \/ Insurance \/ Permit \/ \u798f\u5229 | sports_result: 1-800 \/ 663-7100 | event_status: \u514d\u8cbb | opening_hours_fare: \u8cbb\u7528 \/ Open","_lc_claims_corrected":"","_lc_unresolved_claims":"","_lc_correction_note_required":"0","_lc_reviewer_notes":"","_lc_fact_check_source_urls":["https:\/\/www2.gov.bc.ca\/gov\/content\/health\/health-drug-coverage\/msp\/bc-residents\/eligibility-and-enrolment","https:\/\/www.alberta.ca\/ahcip-how-to-apply","https:\/\/www.healthlinkbc.ca\/find-doctor","https:\/\/hcc4me.ca\/","https:\/\/www.pcnpractice.ca\/"],"footnotes":""},"lc_primary_section":[775],"lc_location":[808],"lc_topic":[825],"lc_freshness":[829],"class_list":["post-870","page","type-page","status-publish","has-post-thumbnail","hentry","lc_primary_section-canada-life","lc_location-canada","lc_topic-health-insurance","lc_freshness-annual"],"_links":{"self":[{"href":"https:\/\/lets-canada.com\/zh\/wp-json\/wp\/v2\/pages\/870","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lets-canada.com\/zh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lets-canada.com\/zh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lets-canada.com\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lets-canada.com\/zh\/wp-json\/wp\/v2\/comments?post=870"}],"version-history":[{"count":7,"href":"https:\/\/lets-canada.com\/zh\/wp-json\/wp\/v2\/pages\/870\/revisions"}],"predecessor-version":[{"id":11731,"href":"https:\/\/lets-canada.com\/zh\/wp-json\/wp\/v2\/pages\/870\/revisions\/11731"}],"up":[{"embeddable":true,"href":"https:\/\/lets-canada.com\/zh\/wp-json\/wp\/v2\/pages\/681"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lets-canada.com\/zh\/wp-json\/wp\/v2\/media\/9659"}],"wp:attachment":[{"href":"https:\/\/lets-canada.com\/zh\/wp-json\/wp\/v2\/media?parent=870"}],"wp:term":[{"taxonomy":"lc_primary_section","embeddable":true,"href":"https:\/\/lets-canada.com\/zh\/wp-json\/wp\/v2\/lc_primary_section?post=870"},{"taxonomy":"lc_location","embeddable":true,"href":"https:\/\/lets-canada.com\/zh\/wp-json\/wp\/v2\/lc_location?post=870"},{"taxonomy":"lc_topic","embeddable":true,"href":"https:\/\/lets-canada.com\/zh\/wp-json\/wp\/v2\/lc_topic?post=870"},{"taxonomy":"lc_freshness","embeddable":true,"href":"https:\/\/lets-canada.com\/zh\/wp-json\/wp\/v2\/lc_freshness?post=870"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}