Quick Purchase Health Insurance For The Elderly In Canada

Travel Insurance for Canadian Snowbirds and retirees

Whether you are one of the millions of Canadian snowbirds who travel to warmer climate in the south during the winter months, or planning a trip that takes you out of your province of residence, you must complete your provincial health insurance coverage outside province. If you have a medical emergency due to illness or injury while you are away, you have to pay medical expenses. The cost can be enormous with daily hospital costs up to U.S. $ 10 000 in some U.S. hospitals.

Travel medical insurance covers the cost of emergency medical care in emergency!

Private health insurance is designed to protect you from these unforeseen medical costs. Most insurance companies offer coverage designed for Canadian snowbirds from Canada and the Canadian Senior Travelers.

Amount of coverage

Emergency Care insurance plans are usually granted for a fixed amount of coverage is $ 1,000,000, $ 2,000,000, or $ 5,000,000. If medical costs arising due to sudden illness or injury and unexpected, then the costs will be covered by medical insurance for primary care.

Wise to buy Tip-You might think it would be cheaper to buy $ 1000000 $ 5000000 political policy, but this is not always case.Travel Insurance companies have paid for the control measures to ensure that minimize their payments. Emergency Care insurance policies rarely have to pay the highest standards. This means that the Fund for the differences are minor and it is always advisable to choose coverage of $ 5,000,000 total peace of mind.

Deductible Option

The plan holders can choose optional deductible. Most medical insurance policies are issued travel emergency with a standard deductible ($ 100 to $ 500). This franchise can be purchased by paying an additional premium (10 to 15%).

Wise Purchase Tip - Insurance companies use terms in their statement that the claim by the deductible or policy. If you decide to purchase travel insurance with a deductible so be sure that your franchise is in politics. This will ensure that the franchise will be charged once. According to the political claim will be responsible for a new franchise every time you make a claim.

Medical Questionnaire

If you are 55 or older, you will most likely be needed to answer a medical questionnaire before buying travel insurance medical emergencies. The medical questionnaire is important to establish that you value category. Your contribution rate of the category will be determined by health problems such as;

Heart disease

Lung

Diabetes

Strokes

Cancer

Aggressive disease requiring medication

Hypertension

Smoker status

Etc.

Once the medical questionnaire is filled with a health category will be awarded. Each category of health policy specific exclusion related to preexisting conditions.

Wise Purchase Tip - While we all want to get the cheapest coverage possible, be very careful with the end of a medical questionnaire as accurately as possible. If you are not sure how to answer the questions, you should ask your doctor to help complete the questionnaire.

Terms of pre-existing conditions

Once you have your health class should know how the insurance company defines pre-existing condition. Usually, you get a condition is to be permanent, if you have not changed medications, doses, or treatments for the disease since the time specified.

For example, a candidate with high blood pressure can be considered stable if its condition is controlled and no change in treatment was carried out in 180 days. If this condition is met, then a disease of the status of candidate blood at high pressure would be covered by the medical emergency plan.

Wise Purchase Tip - Each company has a travel insurance unique definitions of stability and pre-existing condition, you should ask your home (more than 180 days before the start of your trip) and review the text of the policy before travel.

Complaints procedure

If you have a medical emergency during your trip, you are invited to call the insurance claim center immediately! They will coordinate carefully to ensure that your treatment will be covered. In many cases, billing go directly to the insurer.

If you go to a small clinic or doctors office, they are not able to deal with this billing. You may have to pay the bill and the insurance company will send a receipt of payment.

Wise Purchase Tip - you will be issued a wallet card when you purchase your coverage. Be sure and keep it with you at all times. Hospital staff should use this option if you are pressed to the hospital emergency disability.