| New Immigrants and Returning Residents
If you
are a new immigrant or resident moving back to Canada after having been
away for over 6 or 7 months, some provinces would require you to wait for
a certain number of days or months before you requalify for that
province's government health insurance plan. In Ontario the waiting time
is 3 months starting from the day of your arrival. For instance, if you
arrive on January 1, your OHIP coverage will not start until April 1. In
British Columbia, the calculation is different. Please contact us or visit
BC MSP for details.
It is during this three months or so waiting period when you need
protection by a private health insurance policy, as strongly suggested by
the provincial governments. Our rates for people below 61 are generally
very affordable and we do have great rates for families with young
children.
It is important to keep in mind when shopping for interim health
insurance coverage that unlike the government private insurers are in this
to make a profit. It is unrealistic to expect a temporary emergency
medical insurance policy to cover non-emergency or elective treatments as
government may do. The only way the private insurers can pay for such
things as dental check-up would be through significantly higher rates,
rates most people would be unwilling to pay.
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