Health Insurance Policy – General Statement
Purpose of this Policy
This Health Insurance Policy is designed to provide financial protection and access to healthcare services for individuals and families across Canada.
Our goal is to help you manage the costs of medical care and ensure that you and your loved ones receive the necessary treatments when needed.
This policy complements provincial healthcare coverage and offers additional protection for services not covered by the public healthcare system.
Scope of Coverage
Our standard health insurance policy may include the following coverages, depending on the plan selected:
1️⃣ Extended Health Care
Covers a wide range of medical services and supplies that are not covered by government health plans, such as:
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Prescription drugs
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Paramedical services (chiropractor, physiotherapist, massage therapist, psychologist, etc.)
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Medical equipment and supplies
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Emergency medical transportation
2️⃣ Vision Care
Coverage for eye exams, prescription glasses, and contact lenses.
3️⃣ Dental Care
Coverage for preventive dental care (check-ups, cleanings), basic restorative care (fillings, extractions), and major dental services (crowns, dentures, bridges), depending on the plan.
4️⃣ Hospital Accommodation
Covers the cost of private or semi-private hospital rooms not covered by provincial healthcare.
5️⃣ Emergency Medical Travel Insurance
Provides coverage for emergency medical expenses incurred while traveling outside your home province or outside Canada.
Optional Coverages
You may customize your plan with additional coverages, such as:
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Critical Illness Insurance
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Disability Insurance
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Accidental Death and Dismemberment Insurance
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Mental Health Support Services
Exclusions
Some conditions and services are not covered under a standard health insurance policy, including but not limited to:
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Pre-existing medical conditions, unless stated otherwise
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Cosmetic surgery or elective treatments
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Experimental treatments not approved by Health Canada
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Treatments for injuries resulting from illegal activities
A full list of exclusions is provided in your insurance contract.
Claims Process
In the event of a claim:
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Submit a completed claim form along with supporting documentation (receipts, medical reports, prescriptions).
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Claims must be submitted within the time frame specified in your policy.
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The insurer will review your claim and notify you of the decision.
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Reimbursement will be made according to the terms of your policy.
Governing Law
This Health Insurance Policy is governed by the laws of the province or territory in which the insured individual resides.
All disputes related to this policy will be resolved in accordance with applicable provincial or territorial legislation.
Final Notes
This document is a general summary provided for informational purposes. Your specific insurance coverage will be detailed in your official insurance contract.
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Contact us today for a personalized health insurance quote!
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