Private medical insurance

If your employer does not offer corporate medical insurance, or if the insurance offered is very limited, you can buy an individual (private) policy.

There are many different types of medical insurance. Each has pros and cons. There is no one "best" plan (Voluntary Medical Insurance (VMI) Programe) The VMI plan that's right for a single person may not be best for a family with small children. And a VMI plan that works for one family may not be right for another.

For example, if your family includes just two adults, it may be less expensive for each of you to have individual coverage than for just one of you to have a family plan. If you have children, or if you might have children soon, you need a family plan. Because your situation may change, review your medical insurance regularly to make sure you have the protection you need.