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If you have any questions please call Syed Ahmad Hassan Tirmizi at 289-339-1185.

Benefits


Benefits

No coverage for any pre-existing conditions

120 day stability for all pre-existing conditions

Hospital Accommodation Semi-private room rate OR ICU if required. Emergency room fees. c. Emergency out-patient services Semi-private roomrate OR ICU if required. Emergency room fees. c. Emergency out-patient services
Medical Services Licensed physician, surgeon, anaesthetist or registered graduate nurse. Licensed physician, surgeon, anaesthetist or registered graduate nurse.
Diagnostic Services Laboratory tests and x-rays. magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, sonograms or ultrasounds and biopsies if approved. Laboratory tests and x-rays. magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, sonograms or ultrasounds and biopsies if approved.
Prescription This benefit is limited to a 30-day supply of prescription. This benefit is limited to a 30-day supply of prescription.
Private Duty Nurse registered private duty nurse as the result of a coveredemergency when medically necessary and while hospitalized or in lieu of hospitalization to a maximum of $10,000. registered private duty nurse as the result of a coveredemergency when medically necessary and while hospitalized or in lieu of hospitalization to a maximum of $10,000.
Paramedical Services licensed chiropractor, physiotherapist, podiatrist, osteopath or acupuncturist to a maximum of $500 per insured person, per profession listed above. licensed chiropractor, physiotherapist, podiatrist, osteopath or acupuncturist to a maximum of $500 per insured person, per profession listed above.
Dental Up to $5,000 to repair or replace whole or sound natural teeth or permanently attached artificial teeth damaged as a result of an accidental blow to the face; and b. up to $500 for emergency dental treatment for relief of pain caused other than by a blow to the face Up to $5,000 to repair or replace whole or sound natural teeth or permanently attached artificial teeth damaged as a result of an accidental blow to the face; and b. up to $500 for emergency dental treatment for relief of pain caused other than by a blow to the face.
Medical Appliances minor appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair, not exceeding the purchase price. minor appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair, not exceeding the purchase price.
Ambulance Services Licensed ground ambulance service Licensed ground ambulance service
Transportation to Bedside economy airfare plus up to $150 per day economy airfare plus up to $150 per
Emergency Air Transportation Air ambulance to the nearest appropriate medical facility. Air ambulance to the nearest appropriate medical facility.
Repatriation a. up to a maximum of $10,000 a. up to a maximum of $10,000 
Meals and Accommodation up to $150 per day, to an overall maximum of 10 days for your commercial accommodation, meals, essential telephone calls, internet fees, bus or taxi fare or rental car… up to $150 per day, to an overall maximum of 10 days for your commercial accommodation, meals, essential telephone calls, internet fees, bus or taxi fare or rental car…
Hospital Allowance Up to $150 per day to a maximum $1500 for incidental expenses billed by the hospital such as telephone, television or internet charges while you are hospitalized Up to $150 per day to a maximum $1500 for incidental expenses billed by the hospital such as telephone, television or internet charges while you are hospitalized
Return and Escort of Children up to economy airfare to return accompanying dependent children to the departure point in the event that you are returned to your country of origin or Canada. up to economy airfare to return accompanying dependent children to the departure point in the event that you are returned to your country of origin or Canada..
Accidental Death & Dismemberment (Optional) up to $100,000, for loss of life, limb or sight of an insured person resulting directly from accidental injury up to $100,000, for loss of life, limb or sight of an insured person resulting directly from accidental injury

Types of Pre-Existing Health Conditions


Last updated : 02/08/2024
Pre-existing conditions are specific medical issues for which a patient is seeking special care; alternatively stated, pre-existing conditions are conditions that the patient had before acquiring health insurance. Although these medical disorders have significant effects on an individual's health, they might additionally have an impact on insurance coverage, treatment options, eligibility, and other considerations. Consequently, it is essential to consider all types of pre-existing medical conditions to secure suitable insurance coverage. In general, the following covers many categories of pre-existing health problems:

1. Chronic Illness: These are primarily long-term medical conditions that could need constant care. It covers numerous conditions such as asthma, heart disease, diabetes, and hypertension.

2. Prior medical history or cardiovascular conditions: Any medical conditions or problems that a person may have had in the past and could potentially be properly treated. This comprises both surgery and stroke. On the other hand, heart disease and excessive cholesterol are examples of cardiovascular disorders.

3. Respiratory Conditions: The primary ailments are asthma, chronic obstructive pulmonary disease, COPD, and other lung ailments.

4. Autoimmune diseases: The main conditions that fall under this category are lupus, arthritis, and other conditions.

In addition, osteoarthritis, Parkinson's and Alzheimer's disease, and many other disorders may already be present. Pre-existing medical issues must therefore be taken into account as they may affect insurance coverage and a policy.


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