{"id":3390,"date":"2026-06-09T06:38:45","date_gmt":"2026-06-09T06:38:45","guid":{"rendered":"https:\/\/lets-canada.com\/canada-health-insurance-guide-2026\/"},"modified":"2026-07-14T21:43:18","modified_gmt":"2026-07-14T21:43:18","slug":"canada-health-insurance-guide-2026","status":"publish","type":"post","link":"https:\/\/lets-canada.com\/zh\/canada-health-insurance-guide-2026\/","title":{"rendered":"\u52a0\u62ff\u5927\u533b\u7597\u4fdd\u9669\u61d2\u4eba\u5305\uff082026\uff09\u2014\u2014\u7701\u533b\u4fdd\u3001\u5b66\u751f\u4fdd\u9669\u3001\u65c5\u6e38\u4fdd\u9669\u600e\u4e48\u9009"},"content":{"rendered":"<p><em>\u66f4\u65b0\u65f6\u95f4\uff1a2026-06-17\uff5c\u533b\u4fdd\u7b49\u5f85\u671f\u3001\u653f\u7b56\u4e0e\u8d39\u7528\u6613\u53d8\u52a8\uff0c\u5b9e\u9645\u4ee5\u5404\u7701\u5b98\u65b9\u516c\u544a\u4e3a\u51c6<\/em><\/p>\n<style class=\"lc-tbl\">.entry-content table{border-collapse:collapse;width:100%;margin:1.2em 0}.entry-content th,.entry-content td{border:1px solid #d4dcd7;padding:8px 11px;text-align:left;vertical-align:top}.entry-content th{background:#eef3f0;font-weight:600}<\/style>\n<p>\u52a0\u62ff\u5927\u786e\u5b9e\u6709\u5168\u6c11\u533b\u4fdd\uff0c\u4f46\u522b\u8bef\u4f1a\u201c\u5168\u6c11\u533b\u4fdd\u201d\u5c31\u7b49\u4e8e\u4ec0\u4e48\u90fd\u514d\u8d39\u3002\u5b9e\u9645\u843d\u5730\u540e\u4f60\u4f1a\u53d1\u73b0\uff0c<strong>\u7259\u533b\u3001\u773c\u79d1\uff08\u914d\u773c\u955c\u3001\u9690\u5f62\u773c\u955c\uff09\u548c\u5f88\u591a\u5904\u65b9\u836f\u90fd\u4e0d\u5728\u7701\u533b\u4fdd\u8303\u56f4\u5185<\/strong>\uff0c\u800c\u4e14\u90e8\u5206\u7701\u4efd\u843d\u5730\u540e\u8fd8\u6709\u6700\u957f 3 \u4e2a\u6708\u7684\u7b49\u5f85\u671f\uff0c\u8fd9\u6bb5\u7a7a\u7a97\u671f\u4e00\u65e6\u770b\u6025\u8bca\uff0c\u8d26\u5355\u53ef\u80fd\u4ece\u6570\u767e\u5230\u6570\u5343\u52a0\u5e01\u3002\u6240\u4ee5\u4e0e\u5176\u95ee\u201c\u9700\u4e0d\u9700\u8981\u4fdd\u9669\u201d\uff0c\u4e0d\u5982\u5148\u641e\u6e05\u695a\u201c\u81ea\u5df1\u5904\u5728\u54ea\u4e2a\u9636\u6bb5\u3001\u8981\u8865\u54ea\u4e00\u5757\u201d\u3002\u6211\u628a\u8fd9\u51e0\u5e74\u5e2e\u52a9\u670b\u53cb\u843d\u5730\u7684\u7ecf\u9a8c\u6574\u7406\u6210\u8fd9\u4efd\u61d2\u4eba\u5305\uff0c\u5206\u4eab\u7ed9\u51c6\u5907\u6765\u52a0\u62ff\u5927\u8bfb\u4e66\u3001\u5de5\u4f5c\u6216\u957f\u4f4f\u7684\u4f60\u3002<\/p>\n<p>\u5148\u770b\u516c\u8d39\u533b\u7597\u8fd9\u5957\u201c\u5355\u4e00\u4ed8\u6b3e\u4eba\u201d\uff08Single-Payer\uff09\u5236\u5ea6\u7684\u8986\u76d6\u8fb9\u754c\uff1a\u770b\u5bb6\u5ead\u533b\u751f\uff08Family Doctor \/ GP\uff09\u3001\u6025\u8bca\u3001\u624b\u672f\u4e0e\u4f4f\u9662\uff0c\u5bf9\u6301\u6709\u6548\u7701\u533b\u4fdd\u5361\u7684\u5c45\u6c11\u90fd\u662f\u514d\u8d39\u7684\uff1b\u4f46\u7259\u533b\u3001\u773c\u79d1\u51e0\u4e4e\u5168\u7701\u90fd\u8981\u81ea\u8d39\u6216\u9760\u79c1\u4eba\u4fdd\u9669\uff0c\u5904\u65b9\u836f\u5219\u662f\u90e8\u5206\u7701\u4efd\u6709\u8865\u52a9\u3001\u591a\u6570\u60c5\u51b5\u4ecd\u9700\u8865\u5145\u4fdd\u9669\u3002\u6362\u53e5\u8bdd\u8bf4\uff0c\u7701\u533b\u4fdd\u4fdd\u7684\u662f\u201c\u4f1a\u51fa\u5927\u4e8b\u7684\u90a3\u4e00\u5757\u201d\uff0c\u65e5\u5e38\u7259\u9f7f\u3001\u773c\u775b\u3001\u957f\u671f\u7528\u836f\u53cd\u800c\u8981\u9760\u81ea\u5df1\u6216\u96c7\u4e3b\u7684\u65b9\u6848\u8865\u4e0a\u3002\u5982\u679c\u4f60\u8fd8\u5728\u89c4\u5212\u843d\u5730\u524d\u7684\u6574\u4f53\u51c6\u5907\uff0c\u53ef\u4ee5\u4e00\u5e76\u53c2\u8003\u6211\u4eec\u7684<a href=\"\/zh\/canada-life-guide\/\">\u52a0\u62ff\u5927\u65b0\u624b\u61d2\u4eba\u5305<\/a>\u3002<\/p>\n<p>\u5404\u7701\u533b\u4fdd\u7684\u7533\u8bf7\u65b9\u5f0f\u3001\u7b49\u5f85\u671f\u4e0e\u8986\u76d6\u5bf9\u8c61\u4e0d\u592a\u4e00\u6837\uff0c\u8fd9\u4e5f\u662f\u6700\u5e38\u88ab\u641e\u6df7\u7684\u5730\u65b9\u3002\u8981\u7279\u522b\u63d0\u9192\uff1a<strong>\u8fc7\u53bb\u5e38\u542c\u5230\u7684\u201cOntario \u843d\u5730\u8981\u7b49 3 \u4e2a\u6708\u201d\u5176\u5b9e\u5df2\u7ecf\u4e0d\u9002\u7528\u4e86<\/strong>\u2014\u2014\u5b89\u5927\u7565\u81ea 2020 \u5e74\u8d77\u53d6\u6d88\u7b49\u5f85\u671f\uff0c\u76ee\u524d\u7b26\u5408\u8d44\u683c\u8005\u4e00\u7533\u8bf7\u5373\u751f\u6548\uff08\u5b9e\u4f53\u5361\u4ecd\u9700\u7ea6 4 \u5230 6 \u5468\u5bc4\u8fbe\uff0c\u671f\u95f4\u7528\u53d7\u7406\u51ed\u8bc1\u5373\u53ef\u5c31\u533b\uff09\u3002BC \u4e0e Quebec \u4ecd\u7ef4\u6301\u7ea6 3 \u4e2a\u6708\u7b49\u5f85\uff08\u7b97\u6cd5\u662f\u201c\u5f53\u6708\u5269\u4f59\u5929\u6570\uff0b\u4e24\u4e2a\u6574\u6708\u201d\uff09\uff0cAlberta\u3001Manitoba \u5219\u6ca1\u6709\u7b49\u5f85\u671f\u3002\u4e0b\u8868\u6574\u7406\u5e38\u89c1\u51e0\u7701\u7684\u5dee\u5f02\uff0c\u6570\u5b57\u4e0e\u653f\u7b56\u53ef\u80fd\u8c03\u6574\uff0c\u7533\u8bf7\u524d\u52a1\u5fc5\u4ee5\u5b98\u65b9\u9875\u9762\u4e3a\u51c6\uff1a<\/p>\n<table>\n<thead>\n<tr>\n<th>\u7701\u4efd<\/th>\n<th>\u533b\u4fdd\u540d\u79f0<\/th>\n<th>\u7533\u8bf7\u65b9\u5f0f<\/th>\n<th>\u7b49\u5f85\u671f<\/th>\n<th>\u8986\u76d6\u5bf9\u8c61<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>BC<\/td>\n<td>MSP \/ BC Services Card<\/td>\n<td>\u7ebf\u4e0a \/ \u90ae\u4ef6<\/td>\n<td>\u7ea6 3 \u4e2a\u6708\uff08\u5f53\u6708\u5269\u4f59\uff0b\u4e24\u4e2a\u6708\uff09<\/td>\n<td>PR\u3001\u5de5\u4f5c\u8bb8\u53ef\u3001\u5b66\u751f\u7b7e 6 \u4e2a\u6708\u4ee5\u4e0a<\/td>\n<\/tr>\n<tr>\n<td>Ontario<\/td>\n<td>OHIP<\/td>\n<td>ServiceOntario \u95e8\u5e02<\/td>\n<td>\u5df2\u53d6\u6d88\uff0c\u7b26\u5408\u8d44\u683c\u5373\u751f\u6548<\/td>\n<td>\u540c\u4e0a<\/td>\n<\/tr>\n<tr>\n<td>Alberta<\/td>\n<td>AHCIP<\/td>\n<td>\u7ebf\u4e0a<\/td>\n<td>\u65e0<\/td>\n<td>\u540c\u4e0a<\/td>\n<\/tr>\n<tr>\n<td>Manitoba<\/td>\n<td>Manitoba Health<\/td>\n<td>\u7ebf\u4e0a<\/td>\n<td>\u65e0<\/td>\n<td>\u540c\u4e0a<\/td>\n<\/tr>\n<tr>\n<td>Quebec<\/td>\n<td>RAMQ<\/td>\n<td>RAMQ \u529e\u516c\u5ba4 \/ \u7ebf\u4e0a<\/td>\n<td>\u6700\u957f 3 \u4e2a\u6708\uff0818 \u5c81\u4ee5\u4e0b\u4e0d\u9002\u7528\uff09<\/td>\n<td>PR\u3001\u67d0\u4e9b\u5de5\u4f5c\u8bb8\u53ef\uff1b\u96be\u6c11\u7b49\u6709\u8c41\u514d<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u5bf9\u8fd8\u6709\u7b49\u5f85\u671f\u7684\u7701\u4efd\u6765\u8bf4\uff0c\u8fd9\u6bb5\u7a7a\u7a97\u671f\u662f\u6700\u5371\u9669\u7684\uff0c\u5efa\u8bae\u7528\u4ee5\u4e0b\u4e09\u79cd\u65b9\u5f0f\u4e4b\u4e00\u8865\u4e0a\u3002<strong>\u7b2c\u4e00\u662f\u65c5\u884c\u4fdd\u9669\uff08Travel Insurance\uff09<\/strong>\uff1a\u53ef\u4ee5\u5728\u51fa\u53d1\u524d\u5148\u4e70\u3001\u6216\u843d\u5730\u540e\u7acb\u523b\u6295\u4fdd\uff0c\u5e38\u89c1\u65b9\u6848\u6709 Blue Cross Travel Insurance\u3001Manulife CoverMe Travel\u3001CAA Travel Insurance\uff0c\u8d39\u7528\u5927\u7ea6\u6bcf\u6708 $50 \u5230 $150\uff0c\u4f9d\u5e74\u9f84\u4e0e\u4fdd\u989d\u800c\u5b9a\u3002<strong>\u7b2c\u4e8c\u662f\u5b66\u751f\u4fdd\u9669<\/strong>\uff1a\u591a\u6570\u5927\u5b66\u4f1a\u5f3a\u5236\u56fd\u9645\u5b66\u751f\u52a0\u5165\u5b66\u6821\u65b9\u6848\uff08\u901a\u5e38\u5df2\u542b\u5728\u5b66\u8d39\u91cc\uff09\uff0c\u843d\u5730\u5373\u751f\u6548\u3001\u65e0\u9700\u7b49\u5f85\uff0c\u8bb0\u5f97\u786e\u8ba4\u65b9\u6848\u662f\u5426\u6db5\u76d6\u7259\u79d1\u4e0e\u836f\u7269\uff1b\u7559\u5b66\u751f\u7684\u6574\u4f53\u51c6\u5907\u53ef\u53c2\u8003<a href=\"\/zh\/canada-life-guide\/student-guide\/\">\u7559\u5b66\u751f\u5b8c\u6574\u6307\u5357<\/a>\u3002<strong>\u7b2c\u4e09\u662f\u96c7\u4e3b\u798f\u5229\u4fdd\u9669<\/strong>\uff1a\u90e8\u5206\u5168\u804c\u5de5\u4f5c\u63d0\u4f9b Extended Health Benefits\uff0c\u5305\u542b\u7259\u79d1\u3001\u773c\u79d1\u3001\u836f\u7269\uff0c\u8fd9\u662f\u6700\u7406\u60f3\u7684\u72b6\u6001\u2014\u2014\u7701\u533b\u4fdd\uff0b\u96c7\u4e3b\u4fdd\u9669\u53cc\u91cd\u4fdd\u62a4\u3002\u6253\u5de5\u5ea6\u5047\u7b7e\uff08WHV\uff09\u5728 BC\u3001Ontario \u7b49\u7701\u901a\u5e38\u4e5f\u7b26\u5408\u7701\u533b\u4fdd\u8d44\u683c\uff08\u5de5\u4f5c\u8bb8\u53ef 6 \u4e2a\u6708\u4ee5\u4e0a\uff09\uff0c\u7b49\u5f85\u671f\u5219\u4f9d\u5404\u7701\u89c4\u5b9a\u8ba1\u7b97\u3002<\/p>\n<p>\u7259\u533b\u662f\u5927\u5bb6\u6700\u6709\u611f\u7684\u81ea\u8d39\u9879\u76ee\uff0c\u6211\u76f4\u63a5\u5217\u51fa\u5e38\u89c1\u8d39\u7528\u533a\u95f4\u7ed9\u4f60\u5fc3\u91cc\u6709\u4e2a\u5e95\u3002\u8981\u6ce8\u610f\u8fd9\u4e9b\u662f\u65e0\u4fdd\u9669\u7684\u81ea\u8d39\u4ef7\uff0c\u6709\u4fdd\u9669\u540e\u7ed9\u4ed8\u6bd4\u4f8b\u5404\u5bb6\u4e0d\u540c\uff1a<\/p>\n<table>\n<thead>\n<tr>\n<th>\u9879\u76ee<\/th>\n<th>\u81ea\u8d39\u8d39\u7528\uff08\u65e0\u4fdd\u9669\uff09<\/th>\n<th>\u6709\u4fdd\u9669\u540e<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u5b9a\u671f\u68c0\u67e5 + \u6d17\u7259<\/td>\n<td>$150-300<\/td>\n<td>\u901a\u5e38 80-100% \u7531\u4fdd\u9669\u7ed9\u4ed8<\/td>\n<\/tr>\n<tr>\n<td>\u8865\u7259\uff08\u4e00\u9897\uff09<\/td>\n<td>$150-350<\/td>\n<td>\u901a\u5e38 50-80%<\/td>\n<\/tr>\n<tr>\n<td>\u62d4\u667a\u9f7f\uff08\u4e00\u9897\uff09<\/td>\n<td>$200-600<\/td>\n<td>\u901a\u5e38 50-80%<\/td>\n<\/tr>\n<tr>\n<td>\u6839\u7ba1\u6cbb\u7597<\/td>\n<td>$800-1,500+<\/td>\n<td>\u89c6\u4fdd\u9669\u65b9\u6848\u800c\u5b9a<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u5206\u4eab\u4e00\u4e2a\u5b9e\u7528\u7684\u7701\u94b1\u65b9\u6cd5\uff1a<strong>\u53bb\u7259\u79d1\u5b66\u9662\uff08Dental School\uff09\u770b\u8bca<\/strong>\uff0c\u8d39\u7528\u901a\u5e38\u53ea\u6709\u4e00\u822c\u8bca\u6240\u7684 30% \u5230 50%\uff0c\u7531\u5b66\u751f\u533b\u5e08\u64cd\u4f5c\u3001\u6559\u6388\u5168\u7a0b\u76d1\u7763\uff0c\u54c1\u8d28\u6709\u4e00\u5b9a\u4fdd\u969c\uff0c\u53ea\u662f\u770b\u8bca\u65f6\u95f4\u8f83\u957f\u3002UBC\u3001U of T\u3001Dalhousie \u7b49\u6821\u90fd\u8bbe\u6709\u7259\u79d1\u5b66\u9662\u8bca\u6240\uff0c\u9884\u7b97\u6709\u9650\u53c8\u9700\u8981\u5904\u7406\u7259\u9f7f\u95ee\u9898\u65f6\u5f88\u503c\u5f97\u6392\u961f\u3002<\/p>\n<h4>\u6ca1\u6709\u96c7\u4e3b\u4fdd\u9669\uff0c\u4e2a\u4eba\u8865\u5145\u4fdd\u9669\u5230\u5e95\u8981\u4e0d\u8981\u4e70\uff1f<\/h4>\n<p>\u5982\u679c\u4f60\u6ca1\u6709\u96c7\u4e3b\u63d0\u4f9b\u7684\u798f\u5229\uff0c\u5e02\u9762\u4e0a\u6709\u4e2a\u4eba\u8865\u5145\u4fdd\u9669\uff08Extended Health Insurance\uff09\uff0c\u5e38\u89c1\u7684\u6709 Blue Cross Individual Plan\u3001Manulife FlexCare\u3001Sun Life Personal Health Insurance\uff0c\u8d39\u7528\u5927\u7ea6\u6bcf\u6708 $80 \u5230 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