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Pre-existing Condition
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What is pre-existing condition?
Generally, pre-existing condition is defined as any sickness, injury or medical condition for which the insured consults a physician, having symptoms, is hospitalized or medications are prescribed within a certain period before the effective date of Super Visa insurance or Visitor to Canada coverage.
Can I get coverage for pre-existing condition in a Super Visa Insurance?
Do you have health issues like:
Congestive heart disease– Yes, We cover this pre-existing condition
- Heart Failures- Yes, We offer super visa insurance to Heart Patients
- Diabetes- Yes, We shall cover your diabetes
- Liver problems- Yes, Our insurance company covers stable condition
- Neurological problems- Yes, we do cover
- Brain issues- Yes, limited coverage available…refer to policy guide
- Cancer
To conclude, We at Life Care help you to select right Super Visa insurance coverage for your parents or grandparents to cover pre-existing medical conditions.
Main points of consideration while buying super visa insurance with pre-existing condition
First of all, each insurance company treats pre-existing conditions differently and this is the major reason for declined claim under Super Visa Insurance.
Therefore the policy wording of each insurance company must be carefully read to find out if your pre-existing condition will be covered or not.
The look back period may vary from 3 months to one year. That is why one must read the exclusion section in the insurance policy booklet for exact definition. Above all, make sure you understand the policy wording as it applies to your condition.
For example, A reduction in medication, even if your client’s health is improving, may mean the pre-existing condition is no longer stable and controlled. If you are unclear about their condition, refer them to their family physician.
Conclusion
In other words, in the absence of medical insurance, you could be liable for significant financial expenses if they become ill or injured while they are here. These fees would have to be paid out of pocket.
The super visa medical insurance will protect them from all out of pocket medical expenses to the policy maximum and in addition they can be covered for accidental death also.
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Requirements to Qualify for Super Visa
Parent or grandparent of Canadian citizen or permanent resident of Canada.
The person must be allowed to enter Canada.
In the application one must provide proof that your child or grandchild meets the minimum income threshold.
The sponsor must give a written statement that he or she will give you financial support.
Letter of invitation from your child or grandchild.
Have medical insurance coverage for one year with a minimum of $100,000 coverage.
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