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International students, which insurance to choose?
  • On : March 8th, 2018
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  • Category : Insurance
  • View : 538 Views

 

 

 

 

Today, the big day has arrived, you will finally immigrate to come to Canada, all your things are ready, all your papers also, you will arrive in a new country, a new adventure. To have a positive experience, it is essential to take an insurance for international students, it is also required in all schools and immigration, but you do not know which one to choose, arriving here you have thousands of things to do and see, and you also face a lot of other problems, you do not have the time to compare all the insurance, we do it for you, The GCA Financial aims to save you time and money , to inform you about the different offers of the insurances on the market as well as to be the intermediary between the insurance companies and the insured, without changing anything on the price of your insurance. We will offer you the best insurance for you at the best price

The most popular insurance we sell, depending on the situation of the insured, are:

 

 

Allianz Global Assistance Basic Option:

 

This insurance covers the basic needs of a student:

 

  • Sum insured:     $2 million
  • Emergency Hospital confinement and Medical Services: up to overall maximum
  • Chiropractor, osteopath, podiatrist/chiropodist, naturopath, acupuncturist or Physiotherapist: $600 per profession
  • Ambulance Services: up to overall maximum
  • Prescription Medication: up to a 30-day supply
  • Transportation of Family or Friend: $5,000
  • Return of Deceased: $15,000
  • Cremation at place of death: $5,000
  • Dental (accident):$5,000
  • Dental (other than direct blow to face): $600
  • Dental (wisdom teeth): $100/tooth
  • Emergency Transportation / Return Home: up to overall maximum
  • Maternity: up to $1,000
  • Physical Examination: $250 per 12-month period
  • Eye Examination: one visit per 12-month period
  • Tutorial Services:  $20/hour up to $500
  • Accidental Death & Dismemberment: up to $15,000

 

Allianz Global Assistance Enhanced Option:

 

 

This insurance covers the basic needs for a student + maternity care (pregnancy + childbirth) + Psychological and psychiatric care :

Sum insured:     $2 million

  • Emergency Hospital confinement and Medical Services: up to overall maximum
  • Chiropractor, osteopath, podiatrist/chiropodist, naturopath, acupuncturist or Physiotherapist: $600 per profession
  • Ambulance Services: up to overall maximum
  • Prescription Medication: up to a 30-day supply
  • Transportation of Family or Friend: $5,000
  • Return of Deceased: $15,000
  • Cremation at place of death: $5,000
  • Dental (accident):$5,000
  • Dental (other than direct blow to face): $600
  • Dental (wisdom teeth): $100/tooth
  • Emergency Transportation / Return Home: up to overall maximum
  • Maternity: up to $10,000
  • Physical Examination: $250 per 12-month period
  • Eye Examination: one visit per 12-month period
  • Tutorial Services:  $20/hour up to $500
  • Psychologist and Psychiatric Care: up to $10,000 for outpatient/ up to $1,000 for inpatient
  • Accidental Death & Dismemberment: up to $15,000

 

Manuvie International Students in Canada FAMILY PLAN:

 

 

This insurance is the best one for families (parents + children) for people of 39 years and under only:

 

  1. Hospital expenses for:
  2. Physician services – for emergency medical attention up to five (5) follow-up visits
  3. Diagnostic services
  4. Private duty nurse – when medically up to a maximum of $10,000.
  5. Ambulance – up to $5,000 per unrelated sickness or injury.
  6. Prescription drugs – up to a thirty (30) day supply of drugs
  7. Chiropodist, podiatrist, physiotherapist, chiropractor, or osteopath, up to $70 per visit to a maximum of $700 for a covered injury.
  1. Accidental dental injury – up to $2,500
  2. Emergency dental treatment – up to $100 for the relief of dental pain, and up to $250 per tooth to extract impacted wisdom teeth.
  3. Psychiatric care – up to $5,000, plus up to five (5) follow-up visits with a physician.
  4. Trauma counselling – up to six (6) sessions of trauma counselling
  5. Medical appliances
  6. Emergency evacuation – up to a maximum of $100,000
  7. Family transportation and subsistence allowance –up to $3,000
  8. Repatriation of mortal remains – up to $25,000
  9. Tuition reimbursement – if you have an emergency which prevents you from attending school and, as a result, you are unable to obtain passing grades for the semester, up to $5,000 per semester
  10. Trip Break
  11. Terrorism Coverage (only for outbound insured)
  12. Annual medical examination – up to $100 per year
  13. Eye examination – up to one (1) visit per year
  14. Accidental death or dismemberment –up to $10,000

 

For any other questions please call us at: 1-800-607-1920, or you can send an email to: [email protected] or visit our website assurancevisiteurs.ca.

Are there any insurance plans for maternity care and childbirth in Canada?
  • On : April 12th, 2017
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  • Comments : 0
  • Category : Insurance
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What are the costs for maternity care and childbirth for a visitor or foreign student in Canada? Are there any insurance plans for maternity care and childbirth?

Almost every week we receive one or two calls asking us if there are any private insurance plans that cover maternity care such as prenatal care and childbirth.
The answer is yes and no. Let me explain.
In fact, we do offer through our partnership with Allianz Global Assistance, two plans that cover maternity care and childbirth. For foreign students in Canada, the international students to Canada plan enhanced option; and for visitors or foreign workers the Inpatriates to Canada plan.
The plan for international students to Canada Enhanced option provides coverage up to $10,000. The Insurer agrees to reimburse the expenses incurred by the mother for prenatal care, childbirth, a miscarriage or their complications as well as for the basic care offered to the new-born in the 14 days following the birth.
The plan for inpatriates offers coverage of up to $10,000. The Insurer agrees to reimburse up to 80 % of the costs incurred by the mother because of prenatal care, childbirth, a miscarriage or their complications. For example, if the total of the costs amount to $9,000, the client would be entitled to a reimbursement of $7,200,

However, in the case of these two plans the Insurance policies indicate that the expected date of birth must be later of more than 10 months from the date of the effective date of the insurance. This means that the pregnancy must begin at least one month AFTER the date of the beginning of the insurance.
So, if you are already pregnant or you think you may be pregnant, you are not eligible for these plans!
Conclusion: To cover the care of pregnancy and childbirth It is wise to subscribe to one of our plans as soon as you arrive to Canada or that your love one arrives to Canada even if you are not planning to have children immediately!

 

 

Unfortunately, I did not contract a private insurance plan or I was already pregnant prior to my arrival to Canada. What are my options?

If you have a status of permanent residence, you could ask the Régie d’assurance maladie du Québec to cover maternity care and childbirth.

Otherwise you would have to assume the costs of prenatal care and childbirth. A few examples of costs for maternity and childbirth in hospitals in the region of Montreal:

Prenatal examination: $75 at the hospital up to $250 in a private clinic.

Normal delivery: $3,000 to $5,000;

Epidural anesthesia: $500 to $1,500;

Caesarean delivery: $5,000 to $8,000;

Night at the hospital: $2,500 and more for the mother; $1,200 and more for the new-born;

Deposit at the hospital: $7,500 to $12,000

if there are complications and you must extend your stay at the hospital the costs can quickly rise.

 

List of hospitals offering the best rates for childbirth in private in the region of Montreal:

Hôpital Rosemont-Maisonneuve

Hôpital Anna-Laberge à Chateauguay

Cite-de-la-Sante à Laval

Hôpital Sacré-Cœur

Et les plus chers :

Hôpital General Juif

Hopital Saint-Justine a Montreal

MUHC (Glen)