Health Claims Database

IBC collects and publishes Ontario auto insurance health claims data for statistical purposes. Stakeholders – governments, regulators, health care associations and insurers – consult on reporting standards. ​

​What is the Health Claims Database (HCDB) Standard Report?

IBC created the HCDB standard report to provide a timely and consistent statistical overview of medical and rehabilitation costs involved in Ontario automobile insurance health claims and the recovery process. The Ontario Ministry of Finance, FSRA's predecessor, the Financial Services Commission of Ontario (FSCO), the Coalition Representing Health Professional Associations in Ontario Automobile Insurance Services and insurance companies consulted on this report. ​

It is designed for all stakeholders including regulators, health care provider associations and insurance companies in Ontario as well as the general public. Readers – especially those who are not familiar with the subject matter and the statistical principles used – are advised to review the definitions listed to avoid misunderstanding or misinterpreting the content.

IBC operates under the privacy protection requirements of the Personal Information Protection and Electronic Documents Act (PIPEDA) ​when publishing documents related to the HCDB:

To request historical HCDB reports, please contact

​Your Privacy and the Ontario HCDB

IBC’s access to health insurance claims data is governed by agreements with the Financial Services Regulatory Authority of Ontario (FSRA) and Health Claims for Auto Insurance Processing (HCAIP). Data transmitted from HCAIP to the HCDB held by IBC does not include any personal identifying information such as:

  • Names
  • Addresses
  • Postal codes
  • Other information that might identify an individual claimant
  • Any personal health information 

​As of February 1, 2011, Ontario health care facilities (including their associated health care providers) use the Health Claims for Auto Insurance (HCAI) system to submit Ontario Claims Forms (OCFs) 18, 21 and 23 to licensed Ontario auto insurers. Insurers use the same system to communicate their decisions to the health care facilities.