With the strong economy, welcoming culture, great natural beauty and
high quality of life, Canada is a popular destination for foreign
visitors. Canada in not only a popular vacation destination it has the
strongest economy in the G8. The strong Canadian economy means that
Canada is a hot spot for business travelers, foreign workers, new
immigrants, and international students.
Also, Canada has an aging
population which means that the health care system is overburdened.
Canada’s health expenses rival the United States as the most expensive
in the world.
Also,
Canada has an aging population which means that the health care system
is overburdened. Canada’s health expenses rival the United States as the
most expensive in the world.
Sample medical costs in Canada.
Simple doctor visits cost approximately $150
Ambulance approximately $250
Non-critical hospital stay cost around $3,500 per night
Air ambulance around $20,000
etc.
Medical
expenses can become financially crippling. To ensure personal safety,
Medical Insurance is highly recommended for all foreign visitors to
Canada.
The good news is that medical insurance is quite
affordable. For example, good individual coverage can be purchased for a
40 year old for $3-$5 per day, and an entire family can be covered for
under $15 per day.
Canadian
insurance companies have developed medical insurance plans for all
types of visitors to Canada. weather you are a business traveler,
international student, new immigrant, foreign worker, or simply
vacationing in Canada, a plan designed to suit your needs is available
at an affordable rate.
Business Travelers and Tourists Visiting Canada
Whether
you are traveling to Canada for business meetings or vacationing with
your family, medical insurance is important to cover the high costs of
medical care. Visitor to Canada Emergency medical is available to pay
the expenses incurred by sudden and unexpected medical conditions.
Coverage is available up to 89 years of age. No medical questions are
required but pre-existing medical conditions will likely be excluded
from coverage. If you have a pre-existing medical condition please
review the medical policy wording closely before purchasing.
Visitors
to Canada Emergency Medical Insurance can be purchased at levels of
$25,000, $50,000, $100,000, and $150,000. Coverage can be purchased for
individuals, couples, or families. Single trip and annual plans are
available. If you plan to travel to Canada frequently within a 12 month
period then an annual plan will be most suitable.
New Immigrants to Canada
New
immigrants to Canada are not eligible for provincial health insurance
until they gain landed immigrant or permanent residence status.
Foreign workers in Canada
The
Canadian labor shortage has provided ample opportunities for foreign
workers to enter Canada on a work visa. Unfortunately, these work visas
are normally issued for 6 months minus one day… this is one day before
the foreign workers become eligible for Provincial health insurance
coverage. This means that private health insurance must be purchased to
cover emergency medical costs for the time spent living in Canada on a
temporary work visa.
Inpatriate Medical Insurance
Employers
can provide medical insurance to foreign workers by purchasing
Inpatriate Medical Insurance. Inpatriate Medical Insurance can be
purchased for the six month work visa. Inpatriate insurance can be
purchased for durations as short as one month for workers who have
already arrived in Canada. Coverage can be purchased at levels of
$100,000, $500,000, or $1,000,000. Single, Couple, or family coverage is
also available. Inpatriate medical Insurance coverage differs from
Visitors Emergency Medical Insurance as it provides for non-emergency
medical visits.
Visitors to Canada Emergency Medical Insurance
Foreign
workers who are not provided coverage by their employers will be
required to purchase private medical insurance. Visitors to Canada
Emergency Medical Insurance is available for personal coverage for your
entire work visa term in Canada. Coverage can be purchased at levels of
$25,000, $50,000, $100,000, and $150,000, with the high cost of health
care in Canada it is recommended that foreign worker purchase the best
coverage amount. Single, Couple, or family coverage is also available.
International Students in Canada
Canada
is a world leader in education. Many international student choose
Canada for their foreign education destination. Not all international
students are eligible for government sponsored health insurance…. and
for those who are eligible may have to wait three months before the
coverage becomes effective. Also, international students not attending
eligible educational institutions will not be covered by the provincial
government health insurance plan. Private medical insurance will be
required. International students can choose to purchase complete Health
and Hospital Insurance or only Emergency Medical Insurance
Health and Hospital Insurance
Provides
International Students visiting Canada with complete health coverage.
In addition to emergency medical coverage, non-emergency health costs
and prescription drugs are also covered up to maximum amounts. Medical
coverage of to $1,000,000 is available. Coverage can also be purchased
for the students spouse and family while they are residing in Canada.
Emergency Medical Insurance
Similar
in coverage as the health and hospital plan but does not cover
non-emergency medical and prescription drugs are limited to a 30 day
supply. Coverage can also be purchased for the students spouse and
family while they are residing in Canada.
Make sure that you are safe and enjoy ‘peace of mind’ during you stay in Canada by purchasing medical insurance.
No comments:
Post a Comment