Super Visa Insurance

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Super Visa Insurance

Postby roree » Thu Jul 03, 2014 11:39 am

I was looking for a better health insurance for my parents if they come to Canada on supervisa.
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Re: Super Visa Insurance

Postby ArbetovInsurance » Thu Jul 03, 2014 11:41 am

Sure.
How old are the parents and do they have any pre-existing conditions?
You mentioned that you wanted a better health insurance..could you elaborate a little?
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Re: Super Visa Insurance

Postby roree » Thu Jul 03, 2014 11:43 am

Father 57 and mother 50. Father has hypertension, on medication. I dont know what type of insurances are there...i just want an insurance that covers most major health issues.
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Re: Super Visa Insurance

Postby ArbetovInsurance » Thu Jul 03, 2014 11:48 am

OK, I see.
So here are the lowest quotes for you: $2306 with $1000 deductible for both people or $2653 with $500 deductible, or $2996 with $100 deductible, or 3259 with $0 deductible.
These quotes are for both parents for one year with $100,000 coverage and including coverage for pre-existing conditions.
The insurance plans cover various emergencies and related issues: hospitals, doctors, dental emergencies, ambulance, tests, prescriptions, accidental death, funerals/inpatriation.
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Re: Super Visa Insurance

Postby roree » Thu Jul 03, 2014 11:50 am

Do they cover visits to family physician too? Like my father has hypertension so he is on regular checkup with doctor..
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Re: Super Visa Insurance

Postby ArbetovInsurance » Thu Jul 03, 2014 11:53 am

No, unfortunately none of the companies in Canada cover regular check ups. We work with all of them. If something happens that's related to his conditions, then that would be covered.
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Re: Super Visa Insurance

Postby roree » Thu Jul 03, 2014 11:54 am

Ok. So what does "prescription" means? Does my father's hypertension fall under preexisting condition? What if my mother has gall bladder surgery a long time before in home country?
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Re: Super Visa Insurance

Postby ArbetovInsurance » Thu Jul 03, 2014 12:05 pm

So what does "prescription" means??

If for example one gets sick and the physician prescribes medicine or if a person is at the hospital and needs to take medications after the treatment.

Does my father's hypertension fall under preexisting condition?

Yes, basically anything does. Generally, pre-existing conditions are defined as any sickness, injury or medical condition, for which the insured client consulted a doctor, has shown symptoms, has been hospitalized or was prescribed medications before the effective date of coverage.

What if my mother has gall bladder surgery a long time before in home country?

If anything happens in Canada that is related to that they will not cover unless your policy has pre-existing conditions coverage. They look at everything as pre existing condition, all the insurance companies. Basically if you think that she might have any issues related to her gall bladder then I would suggest getting her a plan with pre-existing conditions, just in case.
But it's mostly a personal choice in your mom's case because the chances that something related to her surgery will happen are not that big but I wouldn't want you to be in a situation where you would not be aware. You get to choose if you want coverage for pre-existing conditions, it's completely up to you.
So for example if a person had colds and flu, it is not considered a pre-existing condition but diabetes, high blood pressure or asthma do. Any surgeries and treatments all these companies consider as pre-existing conditions, it's in all of the policy wordings. Would you like me to email you the details about what's covered?
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Re: Super Visa Insurance

Postby roree » Thu Jul 03, 2014 12:09 pm

Yeah, I got it. I want a "pre existing condition" plan for my mother too. And yes, email me please.
Can we pay monthly for these insurances? I mean not monthly plan but yearly plan with payment in installments, because for supervisa they want parents to get insured for a year..
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Re: Super Visa Insurance

Postby ArbetovInsurance » Thu Jul 03, 2014 12:11 pm

Yes its the same, it's acceptable by the government. But it's just more expensive.
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Re: Super Visa Insurance

Postby roree » Thu Jul 03, 2014 12:12 pm

Can u send me quates for monthly plan also?
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Re: Super Visa Insurance

Postby ArbetovInsurance » Thu Jul 03, 2014 12:13 pm

Yes I will. It's only one company that has that plan. I will send you the email soon.
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Re: Super Visa Insurance

Postby roree » Thu Jul 03, 2014 12:14 pm

Ok. As soon as we make our mind up I will contact you.
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Re: Super Visa Insurance

Postby ArbetovInsurance » Thu Jul 03, 2014 12:15 pm

Sounds good :D. And please email me back if you have any questions.
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