Applicants are asked a number of health questions on the application form.
Is a medical required to qualify for insurance?
Based on the medical history of you or your family, coverage may be declined, modified or given a higher premium. Your policy provides details about this clause. Emergency travel medicalcoverage contains a 9-month pre-existing conditions clause. When the baby is born, simply contact Sun Life Financial within 30 days of the birthĪnd the baby can be added to your plan for a small, additional premium. TheĬovered length of hospital stay will be limited to 2 days. 
If you make your application during your first 20 weeks of pregnancy, you’re eligible to apply for semi-private hospital coverage. Any unused portion may not be carried forward for use in subsequent years. Annual maximums are based on a calendar year. All annual or lifetime maximums are per person. Dependants must be under the age of 21 or under the age of 25 if they are in school full-time. If you are applying as a couple or family then you must choose the same plan and options for everyone. Anyone who is 69 years of age or less, is a resident of Canada, and is covered under the provincial health plan in their province of. When do benefits begin and when are customers eligible to claim?. Is a medical required to qualify for insurance?. If you have questions please call us at 1-80, or email usĪt Table of Contents General Information Actual terms and conditions for the Sun Life personal health insurance plan are detailed in the policy issued upon application approval. That’s where supplementary health insurance can come in.Sun Life Personal Health Insurance: Plan Details para-health services (such as physiotherapy),. Not having additional health benefits means expenses can quickly add up for things like: 
In British Columbia, provincial health care coverage is optional however, applicants to Health Coverage Choice (HCC) must have BC provincial coverage to be eligible. You cannot opt out of RAMQ because you have an individual plan. An individual plan does not replace a group plan. Note: All residents of Quebec must be covered by prescription drug insurance through the Régie de l'Assurance Maladie du Québec (RAMQ) or through group benefits plans. Anything other than a standard wardroom in a hospital.Regular dental services, orthodontia and dentures.**.Acupuncture, physiotherapists, naturopaths and nutritionists.Prescription drugs outside a hospital setting.Routine eye exams for those aged 19-64.Health-care costs vary from province to province however most provinces don’t cover: However, government insurance doesn’t cover many medical expenses included in a group or individual health and dental plan. Can you rely on provincial coverage for your health-care costs?Īs Canadians, we benefit from insurance coverage through our provincial governments.
0 kommentar(er)
