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Canada: Finance, Real Estate, Insurance, Immigration

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Сайт рассылки: http://arbetov.ca
Открыта: 26-03-2010

Автор
Михаил Арбетов

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Canada: Finance, Real Estate, Insurance, Immigration


 




 

Dear Friends!

 

Today we are glad to shed some light on a number topics regarding the Canadian medical insurance coverage such as Visitors to Canada Emergency policies, Provincial Health Coverage explanation as well as Health and Dental care.

We are excited to show you our new online Insurance Plan Comparison tool that allows you to compare up to 5 different insurance options in a single click.

The new Insurance Plan Comparison tool has been released!

 

Once you have decided to come to Canada and packed your bags, you may want to double check all the things you need before getting on a plane. One of these things will be a medical emergency insurance for New Immigrants and other visitors to Canada, which will protect you from an unexpected sicknesses as well as financial loss in case of an unfortunate event. 

 

 Compare Best Visitors to Canada Plans

 

As a New Immigrant you are eligible for Provincial Health care. However, for some provinces such as British Columbia, Ontario, New Brunswick and Quebec 3 month waiting period will apply. For that matter, you may read our post that explains waiting periods in a great detail. 

 

 Government Health Plan: Waiting Period Explanation 

 

Most of you already know that your provincial health care does not cover everything what could become a problem once you need to have your eyes or teeth checked or even have some prescription drugs that are not listed as available with you government insurance plan.

That is why we have decided to share some useful information on that matter for you to know exactly what it is like to have a private Health & Dental supplementary insurance in Canada.

 

Stay Protected with an Extended Health & Dental Coverage

 

Our team appreciates your thoughts and commentaries regarding how we do. Our goal is to make these newsletters more relevant, entertaining and interesting for you, by sharing useful tips for the Canadian Newcomers as well as those of you, who have already started enjoying life in Canada. 

Thank you for your interest to our news,

Certified Financial Planner and Insurance Agent, Michael Arbetov. 

 

Comparing Best Visitors to Canada Plans

If you are a Super Visa applicant, Visitor, IEC / Working Holiday visa holder or a new immigrant- you probably need to obtain insurance coverage from a Canadian Insurance company. To make it easier for you we have put together a comparison among all insurance companies in terms of affordability, reliability and benefits offered.

Most Affordable Plans

 

If you are looking for a basic policy that covers most important aspects in terms of medical care - the companies below would do the trick. Most of them are smaller companies with small companies’ appeal - lower prices and exceptional attention to customers. All of them cover medical expenses, hospitalization and repatriation with total coverage of $100,000 or more. They also boast competitive benefits in terms of prescription drugs (GMS, Travelance Premier), repatriation and follow up visits.

Click Here to Get Your Free Quote 

 

Value Plans

Value plans come from bigger, well known established companies. The leaders among them are Manulife and TIC. Manulife is tried and tested and is currently the largest insurance company in Canada. TIC is a great company with excellent customer service and competitive benefits.

For Visitors to Canada 69 years and under TIC offers a new “Inpatriates to Canada” policy, which covers one Physical Examination per year, one Eye Examination per year and some Vaccinations, as well as some coverage for Maternity

Government Health Plan: Waiting Period Explanation 

 

Excited to start your new life in Canada? Or returning home after a long time abroad? Your bags are packed and tickets booked but is there something missing?

Whether you are landing in Ontario, British Columbia, Quebec or New Brunswick- in most cases you will have to wait until provincial coverage kicks in. Make sure you familiarize yourself with those limitations and the ways to protect yourself during your stay. During the waiting period, you may be able to purchase private health insurance through a private insurance company if you meet the company’s eligibility requirements. 

OHIP – Ontario

The waiting period begins on the date you establish or re-establish residence in Ontario. If you are an eligible temporary resident, such as a foreign worker who meets the citizenship and residence requirements described in Ontario’s Health Insurance Act, the waiting period begins on the date you establish residence in Ontario.

 MSP – British Columbia

New residents or persons re-establishing residence in B.C. are eligible for coverage after completing a wait period that normally consists of the balance of the month of arrival plus two months. For example, if an eligible person arrives during the month of July, coverage is available October 1. If absences from Canada exceed a total of 30 days during the wait period, eligibility for coverage may be affected.

New Brunswick and Quebec

Generally speaking, if you arrive in Québec from outside Canada, even if you are a Canadian citizen, you will be eligible for the Québec Health Insurance Plan after a waiting period of up to 3 months following your registration.

You will not be reimbursed for healthcare you receive during the waiting period. To save you from having to pay for any healthcare services that you or your family members may need, it is strongly recommended that you take out private insurance within 5 days following your arrival in Québec. Thereafter, coverage is more difficult to obtain.

Read More >>> 

Getting Your Health & Dental Insurance Package

 

Does my provincial health insurance plan cover all my health care needs? Millions of Canadians who don’t have an employer sponsored group plans might be asking the same questions. Here is some brief information on the Health care system in Canada.

Canadian health care system consists of multiple tiers. The first thing that comes to mind is Government Health Care. It is funded through general tax revenue and in some provinces- by means of collecting monthly premiums. This plan covers medical care and hospitalization in a broader sense. Some important elements of what we think is medical coverage are missing from your provincial plans. 

 

Use our Free Online Health & Dental Insurance Calculator

Get Your Coverage Today! 

 

Dental Plans

You can apply for dental coverage only if that is what you are looking for. Benefits will accumulate over years, giving you greater coverage after second or third year. Some companies include basic extended health benefits with their dental plans.

Go for premium Dental Plans if you require extensive services as well as crowns, bridges and dentures.

Extended Health Benefits

Supplementary health benefits usually include some or all of the following categories.

  • Vision Care
  • Accidental Death/Dismemberment benefit
  • Homecare/Nursing
  • Medical Appliances
  • Hearing Aids
  • Ambulance Services
  • Accidental Dental
  • Prescription Drugs Coverage
  • Travel Insurance up to $1,000,000.
  • Specialists/Therapists- health care practitioners such as chiropodist and chiropractor.

 Read More >>>


Useful Resources for Newcomers and Canadians. 

 

Arbetov Insurance - We will help you choose the best Medical Insurance plan for the Canadian visitors or New Immigrants according to your specific needs. We are offering medical emergency insurance packages for the Super Visa applicants, regular Visitors to Canada, International Experience Canada participants as well as Canadian PRs and Citizens travelling abroad.

We will also consult you regarding Life Insurance, Critical Illness Insurance, Disability Insurance, Health & Dental Insurance and Welfare Trusts.

Arbetov Insurance News Blog - You will find plenty of news concerning Insurance and Financial business sectors.

Super Visa Best Insurance - Our team will help you make a decision regarding which insurance plan to buy for the Super Visa and other Visitors to Canada entry visas. 

ARIS Immigration Consultants - Questions concerning immigration to Canada, Immigration Programs and Certified Immigration Specialist consultations within your hand's reach. 

Direct 2 Canada Forum - Using this resource you may ask for an advice from our Insurance, Financial, Real Estate and Immigration specialist as well as share your own experience of life in Canada.

 

Stay tuned for regular updates by following us on Twitter and Facebook.


   

 

 

 

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