Emergency Health Insurance
Insurance coverage for International Students and New Immigrants in Canada
When international students or new immigrants come to Canada, one of the first things they need to consider is health insurance. While healthcare in Canada is renowned for its high quality, it can be prohibitively expensive for those who are not covered under the provincial health plans. Whether you're an international student who has just arrived or a new immigrant settling in, securing appropriate emergency health insurance is crucial to avoid hefty medical bills in the event of an accident or illness.
One of the most reliable options available is the Emergency Health Insurance plan, specifically designed to meet the needs of international students and newcomers without existing coverage. Let’s explore how this insurance plan is perfectly suited for individuals in such situations.
Why International Students and New Immigrants Need Health Insurance in Canada
In Canada, healthcare is primarily publicly funded, but provincial healthcare plans typically only cover permanent residents and citizens. Most international students, temporary workers, and recent immigrants are not immediately covered by provincial plans. As a result, medical expenses can quickly add up, especially in cases of emergencies, accidents, or unforeseen illnesses.
Canada’s healthcare system is known for its quality, but the cost of treatment for those without insurance can be astronomical. For example, a single day in the hospital can cost thousands of dollars, and any emergency procedure can be even more expensive. Without insurance, these costs can create financial hardship. Thus, securing comprehensive health coverage is vital.
What Emergency Health Insurance Plan Offers
The Emergency Health Insurance plan offers a comprehensive solution for international students and new immigrants in need of emergency health coverage. The policy covers a wide range of health-related incidents, ensuring that individuals can focus on their studies or settling into their new life without worrying about unexpected medical expenses.
Here are some key features of this insurance plan:
1. Comprehensive Medical Coverage
The plan offers up to $2,000,000 in medical coverage, which includes hospitalization, diagnostic services, emergency air transportation, prescription drugs, and more. Whether you’re dealing with a minor injury or a more severe medical issue, this coverage ensures that you won’t be left with significant out-of-pocket expenses. The coverage includes:
Hospital accommodation, including semi-private rooms and intensive care units.
Emergency medical treatments by licensed physicians and specialists.
Diagnostic services such as MRI, CT scans, ultrasounds, and laboratory tests.
Prescription medications, which include up to a 30-day supply per prescription, unless hospitalization is required.
2. Emergency Services and Transportation
In addition to hospital coverage, the plan includes vital emergency services such as:
Ambulance services for urgent transportation to medical facilities.
Emergency air transportation of up to $250,000 in case of a medical emergency requiring air ambulance services.
Repatriation services that can help cover the cost of returning your remains to your home country in the event of death.
This is especially useful for international students who may not be familiar with local hospitals and medical facilities. The insurance ensures that they have access to the best care available, without the worry of exorbitant costs.
3. Dental and Maternity Coverage
Accidents happen, and in the event of a dental emergency caused by a blow to the face, this plan covers up to $4,000 for dental repairs or replacements. It also provides coverage for pregnancy-related complications and post-natal care, making it a suitable option for new immigrants starting families in Canada.
4. Refund Options
A unique feature of the Travel Shield Canada Health Insurance plan is the flexibility it offers regarding refunds. If a student’s visa is denied or they choose to return home earlier than planned, they can receive a 100% refund if they haven't started their coverage. There are also partial refunds available if the individual returns home before the end of the coverage period.
5. Affordable Premiums
One of the most attractive aspects of this health insurance plan is its affordability. The premiums for the plan are among the lowest in the market, starting at $495 per year for the Standard Plan, with options for more comprehensive coverage at slightly higher premiums. For families, the premiums are also reasonable, making it an affordable solution for students who need coverage for their dependents as well.
Why This Insurance Plan is Ideal for International Students and New Immigrants
1. Essential Protection for Students Without Provincial Coverage
In many provinces, international students are not automatically covered by the public healthcare system. As such, this health insurance plan provides the coverage necessary to ensure that students can access medical care when needed. Whether it's a sudden illness, an accident, or a medical emergency, this plan ensures that students won't have to pay out-of-pocket for expensive medical bills.
2. Flexibility for New Immigrants
New immigrants in Canada may also face gaps in healthcare coverage, especially in the first few months before they qualify for provincial coverage. During this transition period, having emergency health insurance is crucial to avoid facing medical costs while adjusting to a new country. The Emergency Health Insurance plan is designed to bridge this gap, offering comprehensive coverage until individuals are eligible for provincial health insurance.
3. Convenient and Easy to Use
For both international students and new immigrants, navigating the Canadian healthcare system can be overwhelming, especially when dealing with an emergency. This insurance plan makes the process simple, with straightforward claims procedures and 24/7 support for medical emergencies. Students and newcomers don’t need to worry about being caught off guard by complicated procedures or language barriers when they need urgent care.
4. Support for Families
The plan is also ideal for new immigrants who have brought their families to Canada. The family coverage option offers significant savings (up to 39%), ensuring that all family members are protected under one plan. This is an important consideration for individuals who may be adjusting to life in Canada with children or elderly parents who might need medical care.
Benefits
Coverage Included - $2,000,000 of Medical Coverage
Hospital Accomodation
Medical Services
Diagnostic Services
Prescription
Private Duty Nurse
Dental
Medical Appliances
Ambulance Services
Emergency Air Transportation
Maternity
Repatriation
Accidental Death & Dismemberment
Premiums
The premiums for this insurance depends upon your
Age
Number of Days (365 day covered)
Conclusion
For international students and new immigrants, securing health insurance in Canada is not just a matter of convenience; it’s a necessity. With this Health Insurance, individuals can be confident that they are covered for a wide range of emergency medical services. Whether you're an international student adjusting to life in Canada or a new immigrant settling in with your family, this plan offers comprehensive protection and peace of mind during your stay.