Finally wait is over, my parents are moving to Canada.
I was so excited and in this hustle, I forget the most important thing to secure my parents with private health insurance for new immigrants to Canada. One of my good friends told me how important to remember that these health insurance plans should be purchased before the arrival to Canada, this way my parents won’t be unprotected for longer than necessary. You may not know this yet, but even though the Canadian health care system is considered one of the best in the world, it still won’t be covered by provincial health care for newcomers if they experience an accident or medical emergency.
Health Insurance is a preventive financial product, not a reactive financial product. The premiums will depend on a wide variety of factors, such as age, gender, country location, deductible level, coverage options and much more. To protect my parents from unexpected circumstances due to medical emergencies, I choose a Travel Shield insurance company. No doubt many companies offer travel medical insurance but choose the right one for my family. Travel shield companies protect the unexpected included benefits such as hospitalization, ambulance transportation, diagnostic services, such as x-rays and paramedical expenses.
During my registration with Travel shield, I learned a lot, little planning and health-related disclosures about health not just in the present but also in the past. To make the entire process simpler and faster you just need the right documentation like identification and confirmation of my permanent resident status. Knowing your health status is quite important not just for an insurance company even for the applicant not face rejection in the future on grounds of non-disclosure. It needs to ascertain two facts: are you insurable and does the price justify the risk. You believe that disclosing your existing medical complications wouldn’t help you, the company holds the policy null and abort the policy contract with you forever without refunding the premium that you paid.
Though coverage would not be available in the initial few years of the waiting period, you would ultimately enjoy coverage for your pre-existing conditions when the waiting period is over. So, it is better to disclose about your conditions and enjoy undisputed coverage.
Buying a health insurance policy after having a pre-existing disease may be slightly difficult because the insurance companies are reluctant to cover individuals with pre-existing conditions. Sometimes considering your pre-existing ailment severe, the insurance company might offer you cover only if you agree on a permanent exclusion for this disease. This might leave you exposed to high risk and heavy expenses in spite of having insurance. To ensure that your health insurance gives you adequate cover do not hide any ailment and declare them before buying the policy. This will ensure that you have a clean settlement process for all your future claims. Wish you the best of health, now and forever!
They provide insurance for new immigrants, visitors, Super Visa holders and many more. If you have any questions or concerns their qualified agents will assist you with your selection. You can contact them at 1-866-517-0606 or send an email to info@travelshield.ca.
