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Help re health insurance - URGENT as moving on Wednesday

Help re health insurance - URGENT as moving on Wednesday

Old Jul 25th 2011, 1:41 pm
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Default Help re health insurance - URGENT as moving on Wednesday

Hi,

I know you get health cover in the long term in Ontario, but does anyone know a good online/phone broker who can provide short term cover?

I'm leaving on Wednesday, so help most appreciated!

Orson
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Old Jul 25th 2011, 1:59 pm
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Default Re: Help re health insurance - URGENT as moving on Wednesday

Originally Posted by TheBear View Post
Hi,

I know you get health cover in the long term in Ontario, but does anyone know a good online/phone broker who can provide short term cover?

I'm leaving on Wednesday, so help most appreciated!

Orson
We found Canada Sure - canadasure.com to be most reasonable for the interim cover.
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Old Jul 25th 2011, 3:07 pm
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Default Re: Help re health insurance - URGENT as moving on Wednesday

The "usual suspects" are listed in the wiki.

http://britishexpats.com/wiki/Medica...edicare_starts

Make sure you arrange this ASAP as after a certain period in country its impossible to do.
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Old Jul 25th 2011, 3:38 pm
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Default Re: Help re health insurance - URGENT as moving on Wednesday

Apologies for hijacking this thread but with regards to requiring 12weeks/3 months medical insurance on landing do the same rules apply if you are arriving on a 12 month study visa or do you need insurance for the entire 12 month period, thanks.
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Old Jul 25th 2011, 3:54 pm
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Default Re: Help re health insurance - URGENT as moving on Wednesday

Originally Posted by CANADIAN CARPERS View Post
Apologies for hijacking this thread but with regards to requiring 12weeks/3 months medical insurance on landing do the same rules apply if you are arriving on a 12 month study visa or do you need insurance for the entire 12 month period, thanks.
Everyone has the waiting period.

Helath BC says this:

Eligibility and Enrolment
All residents of B.C. must enrol with MSP

Under the Medicare Protection Act, enrolment with MSP is mandatory for all eligible residents and their dependents.

» Who is Eligible?
» How to Enrol with MSP
» When does Coverage Begin?
» Coverage During the Waiting Period
» Changes that Affect Your Coverage
» Adding and Removing Dependents
» Absence from B.C.
» Cancelling Your Coverage
» First Nations and Inuit Residents

Who is Eligible?

An individual must be a resident of B.C. in order to qualify for medical coverage under MSP. A resident is a person who meets all of the following conditions:

must be a citizen of Canada or be lawfully admitted to Canada for permanent residence;
must make his or her home in B.C.;
must be physically present in B.C. at least six months in a calendar year; and
dependents of MSP beneficiaries are eligible for coverage if they are residents of B.C.
Certain other individuals, such as some holders of study and/or work permits, or working permits on working holiday programs, which are issued under the federal Immigration and Refugee Protection Act are deemed to be residents, but tourists or visitors to B.C. do not qualify. If you are uncertain about your eligibility status, contact MSP for assistance.
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Old Jul 25th 2011, 4:04 pm
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Default Re: Help re health insurance - URGENT as moving on Wednesday

You need to be carefull with certain temporary visas in some provinces, some for example dont entitle spouses to coverage for example.
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Old Jul 25th 2011, 4:51 pm
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Default Re: Help re health insurance - URGENT as moving on Wednesday

Thanks guys, I appreciate everybody is subject to the initial 3 month period, my concern was that as not a PR and only there on a study visa she may not be entitled to any help within the area of health as classed as no more than "a long visit" and would therefore require insurance for the entire 12 months and not just the first 3. Hope this makes sense. She will be studying at Toronto university (Ryerson).
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Old Jul 25th 2011, 5:49 pm
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Default Re: Help re health insurance - URGENT as moving on Wednesday

Originally Posted by CANADIAN CARPERS View Post
Thanks guys, I appreciate everybody is subject to the initial 3 month period, my concern was that as not a PR and only there on a study visa she may not be entitled to any help within the area of health as classed as no more than "a long visit" and would therefore require insurance for the entire 12 months and not just the first 3. Hope this makes sense. She will be studying at Toronto university (Ryerson).
Unfortunately she does not qualify for OHIP as a student and she will need insurance for the full 12 months.

The universities have got a similar scheme called UHIP which is mandatory for all international students. All non-resident (i.e. international) students who attend universities in Ontario, with the exception of the University of Windsor, and colleges affiliated with that university, must enrol in UHIP.


Please see:
http://www.sdc.uwo.ca/int/services/index.html?uhip

and
http://www.uhip.ca/





Last edited by Siouxie; Jul 25th 2011 at 5:53 pm.
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Old Jul 25th 2011, 7:46 pm
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Default Re: Help re health insurance - URGENT as moving on Wednesday

Originally Posted by siouxie View Post
Unfortunately she does not qualify for OHIP as a student and she will need insurance for the full 12 months.

The universities have got a similar scheme called UHIP which is mandatory for all international students. All non-resident (i.e. international) students who attend universities in Ontario, with the exception of the University of Windsor, and colleges affiliated with that university, must enrol in UHIP.


Please see:
http://www.sdc.uwo.ca/int/services/index.html?uhip





Cheers, that's a big help.
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Old Jul 26th 2011, 10:25 am
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Default Re: Help re health insurance - URGENT as moving on Wednesday

Hi, I usualy use Globelink.co.uk. May be it will be helpful for you. This company propose insurance for people going to be outside the Uk for up to 15 months at a time.
Good luck
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Old Jul 26th 2011, 9:28 pm
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Default Re: Help re health insurance - URGENT as moving on Wednesday

just had a thought ,it might be a completely stupid question and dont know if anyone can help . When taking out the insurance to cover for the first 3 months would you need to find an insurance that would pay for any medical expenses in the country where you are rather than you having to come back to UK for treatment like i said its probably a daft question but its something ive just thought of
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Old Jul 26th 2011, 9:57 pm
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Default Re: Help re health insurance - URGENT as moving on Wednesday

Originally Posted by arniedog View Post
just had a thought ,it might be a completely stupid question and dont know if anyone can help . When taking out the insurance to cover for the first 3 months would you need to find an insurance that would pay for any medical expenses in the country where you are rather than you having to come back to UK for treatment like i said its probably a daft question but its something ive just thought of
You were right about one part of your question.

The other is, the whole point of travel insurance is to cover costs of treatment at your destination or repatriation. Be sure you get the right insurance, to cover you as an immigrant, not travel insurance.
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Old Jul 26th 2011, 10:05 pm
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Default Re: Help re health insurance - URGENT as moving on Wednesday

This is precisely why you need OHIP replacement/ newcomers insurance, NOT travel insurance, as listed in the wiki.

If you just have travel insurance either they will deem you not a traveller (as you are now resident) and pay nothing, or else evac you back to the UK at the earliest opportunity to save treatment costs.
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Old Jul 26th 2011, 10:06 pm
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Default Re: Help re health insurance - URGENT as moving on Wednesday

Originally Posted by TheBear View Post
Hi,

I know you get health cover in the long term in Ontario, but does anyone know a good online/phone broker who can provide short term cover?

I'm leaving on Wednesday, so help most appreciated!

Orson
Take a look at this.....
http://www.gms.ca/immigrants_and_vis...to_canada.html
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Old Jul 27th 2011, 4:12 pm
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Default Re: Help re health insurance - URGENT as moving on Wednesday

There is a special expat insurance too - you pay for two separate parts, the first is for your "travel" to your country of destination and the lead up to it, the second is cover for medical etc for up to 3 months.

http://www.duinsure.com/sites/duinsu...ies_Emigration

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