HEALTH AND DENTAL INSURANCE
An option to fill the coverage gaps in your government provided health plan or if your company provided group coverage is due to expire or has recently expired.
The Government Health Insurance Plans offered under the provincial and territorial medical services plan do not cover the basic expenses incurred during a medical emergency, or during a not so critical sickness that is easily curable but still leaves an impact on your finances.
Dental treatment is very expensive in Canada; it can significantly disturb your budget if you don’t have a good health and dental insurance plan. Canada’s Individual Health Insurance supplements provincial health coverage and can help to manage much health care’s expenses. It pays for us to get our prescriptions, health services, and it also covers us for dental issues we may have such as cleaning, scaling, and topical treatments. It includes travel insurance and vision care as well.
Various available options to choose from.
There are various travel insurance options available to suit different needs. One option is an Emergency Medical Insurance Plan, offering coverage up to 10 million and valid worldwide (excluding the USA). This plan can be purchased as a multi-trip or single-trip annual policy, or even for coverage up to 15 months.
Trip Cancellation or Trip Interruption Insurance is another important option, available for both multi-trip and single-trip plans. Similarly, Accidental Death and Dismemberment coverage can also be obtained for both types of policies.
For those seeking a Non-Medical Package available for single trips, the plan includes Trip Cancellation and Trip Interruption Insurance, Accidental Death and Dismemberment Insurance, and Baggage Insurance. Additionally, an all-inclusive Holiday Package for single trips combines worldwide Emergency Medical Insurance with Trip Cancellation and Trip Interruption Insurance, as well as Accidental Death and Dismemberment Insurance.
Additional Optional Coverages include Baggage Insurance, Rental Car Protection, and Sports and Activities Coverage. Finally, there is dedicated insurance coverage for COVID-19 to help safeguard travelers during the ongoing global health situation.
Various Coverage Options
Personal Health Insurance Plan:
This plan aids in paying for expenses that Government Health Insurance Plan (GHIP) may not cover. This plan is best suited for people who are self-employed or are freelancing in their field of expertise
Replacement Health Insurance:
This plan is designed for people who were previously covered under a group plan, typically by their employer and are now planned to either leave the job or retire. Replacement health benefit plans can be applied within 60 days after your group insurance expires, the coverage is guaranteed and there are no medical questions at the time of application.
Benefits of having Health Insurance -Drug & Dental Plan
- It covers a wide range of additional small healthcare expenses that are ongoing and paid out of pocket.
- You Build your own plan – You can design a customized plan that you want by adding any optional coverages you may require, like a prescription drug, dental coverage, and home care, or just prescription drugs and home care with medical equipment.
- You can include your spouse and dependent children under the age of 21 who are not working in your coverage plan.
- You cannot purchase insurance for anyone else, even your parents, but you can still pay the premium on their behalf if you wish to.
Need any help!
Contact a Instant Life Insure to learn about your group insurance options. The best way to start is to have a free initial consultation. Contact us or send us your details via call or email.