MorifarPrivate Client

Countries/Canada/Canada Healthcare

Canada · Healthcare

Canada Healthcare.
Provincial coverage as the foundation, private layered on top.

Canada provides universal healthcare via provincial plans — comprehensive but with wait times for elective care. Many international families layer private GP and concierge services on top.

Private consultationSee the process

What it is

The full picture, in plain language.

Healthcare advisory covers provincial card applications (OHIP, MSP, AHCIP), family physician registration, private GP and concierge services, supplementary dental and vision insurance.

Who it's for

Designed for these situations.

Newly arrived residents

Setting up provincial coverage and family physicians.

Ontario newcomers in the 3-month wait

Private cover for the waiting period.

HNW families wanting concierge care

Direct-access GP and specialist coordination.

Multi-base families

Cross-border health coverage.

Benefits

What the right structure delivers.

Provincial coverage activation

OHIP/MSP/AHCIP applications and timing.

Family physician registration

Direct introductions where available.

Concierge GP options

Same-day access and specialist coordination.

Supplementary insurance

Dental, vision, prescription and travel.

Cross-border cover

For families with US or international ties.

Waiting-period bridges

Private cover during Ontario's 3-month wait.

The process

Step by step — nothing hidden, nothing skipped.

  1. 01

    Discovery

    Week 1

    Family, conditions, preferences.

  2. 02

    Provincial application

    Weeks 1-2

    OHIP / MSP / AHCIP forms.

  3. 03

    Private GP / concierge

    Weeks 2-4

    Registration and introductions.

  4. 04

    Supplementary insurance

    Weeks 2-4

    Dental, vision, prescription.

  5. 05

    Annual review

    Annually

    Renewals and cover adjustments.

Timeline

What a typical engagement looks like.

  • Weeks 1-2

    Provincial application and waiting-period cover.

  • Weeks 2-4

    Private GP and supplementary insurance.

  • Month 3+ (Ontario)

    OHIP active.

Documents required

The evidence pack we will ask for.

  • PR card / work permit

    Required for provincial application.

  • Provincial address proof

    Lease, utility, statement.

  • Existing medical records

    For continuity.

Costs & fees

What you should budget for.

Provincial coverage is free; private and supplementary varies.

  • Provincial coverage

    Free for residents

  • Waiting-period private cover (Ontario)

    CAD 100 - 250 / month

  • Concierge GP retainer

    CAD 3,500 - 12,000 / year

  • Family supplementary insurance

    CAD 2,000 - 6,000 / year

  • Morifar advisory fee

    From CAD 2,000

FAQs

Questions we are asked, and the honest answers.

When does OHIP start?+

Ontario: 3-month waiting period typical for newcomers.

Is private insurance needed?+

Useful for dental, vision, prescriptions and faster elective care.

Family physician availability?+

Variable by city; concierge models help where rosters are full.

Common mistakes

What we see go wrong — so it doesn't happen to you.

No bridge cover in Ontario

A 3-month wait without private cover is risky.

Late application for provincial card

Delays access.

No supplementary cover

Dental and prescriptions can be material out-of-pocket.

Explain like I'm 10

The simplest version of the whole thing.

Canada has free healthcare for residents but sometimes you wait. Many families add private insurance for speed. We help set the right mix.

Related services

Private consultation

Discuss canada healthcare with the team.

A confidential first conversation — no obligation, no sales pitch. We listen, map your situation, and tell you honestly whether and how we can help.

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