This policy will provide emergency medical coverage for sickness and accidents. Persons eligible for this policy include:
- New immigrants awaiting provincial health coverage
- Returning Canadians awaiting provincial health coverage
- Visitors to Canada
- Immigrants to Canada in the “Super Visa” program
You select the limit of coverage you want up to $300,000.00 in Canadian funds. There is no deductible but you can select one up to $10,000.00 to reduce your premium.
Pre-existing conditions are covered if stable for 120 days before the policy begins if you are under age 70. Persons age 70 to 79 can also purchase stable pre-existing condition coverage for an additional 25% surcharge.
You can take the policy out for up to a year at a time and renew it if required. This will meet “Super Visa” requirements of a one year policy with limits of at least $100,000.00.
There is a short application and no medical questionnaire for this policy. Should there be a claim the insurance company will require medical records for any pre-existing conditions.