What It Takes to Get Guaranteed Health Insurance in Canada

Posted by insur dinary on December 8th, 2019

Most Canadian insurers do not cover older people and people who have certain health conditions. Unfortunately, this set of people also need more insurance than others.

What do you do when you can’t access insurance? What do you do when you don’t want to disclose your medical history to an insurance company? Guaranteed health insurance is your best option. Read on to learn more.

What Does Guaranteed Health Insurance Include?

Guaranteed issue health insurance, also known as no-medical insurance, is a plan that does not require any medical exam or medical questionnaire. In other words, if you take out a guaranteed issue plan, you will not be disclosing your medical history to the insurer.

This type of insurer might be relevant to people who have pre-existing medical conditions and also to older people. Before taking out a guaranteed issue plan, make sure you ask relevant questions about the coverage, costs, limits, etc.

Begin by Shopping Around

Before choosing an insurance plan, it is necessary to shop around and compare policy options. Insurance providers may offer different services even on guaranteed issue plans.

Furthermore, insurers may have different maximums and limits, and some insurers may provide a different level of support for vision and dental care.

You don’t want to go for a plan that is very expensive but covers only part of the cost and you also want to make sure that the premium does not rise unexpectedly. Click here to find out more.

Getting Guaranteed Issue Insurance Plan

To apply for any plan, you must meet the eligibility requirements, guaranteed insurance plans are not different.  For instance, guaranteed plans only cover people of a certain age; some plans cover people who live full-time in Canada.

Not all guaranteed issue plans will cover the entire family. Some plans are created just for individual coverage. Furthermore, it may be possible to customize a guaranteed issue plan based on your specific needs and requirements. For instance, if you need only vision care and prescription drug but not dental care, some insurers may be able to provide a plan that covers those services.

Use the Service of an Agent

Sometimes, the processes involved in getting health insurance could be overwhelming and you may need the service of an insurance agent.

An agent could help you to get a plan that meets your needs. He can also help you to choose a plan that offers the best value for your money.

In conclusion, you could use Insurdinary’s simple search tool to compare quotes and find an insurance agent near you. Visit the Insurdinary blog to learn more.