Financing & Off-Shore Insurance

Out-of-Country Claim Form - Alberta

http://www.health.gov.ab.ca/ahcip/934.pdf

Financing & Off-Shore Insurance

Offshore International Medical Insurance for Canadians and all others, except Americans residents in USA.

More... www.medexplan.com

MedExPlan Benefit Levels:  

Bronze: An inexpensive international hospital inpatient plan
Silver: Adds outpatient benefits,
Gold: Adds organ transplant and maternity cover

MedExPlan Areas of Cover:

Area 1: Europe only (cheapest if you’re happy with European hospitals this is all you need)
Area 2: Worldwide Excluding the USA and Canada
Area 3: Worldwide Including the USA and Canada (allows treatment in the USA or Canada)

Annual Deductible Structure: There are deductible options available up to $10,000 discounting annual premiums by up to 63%. This can make for a very inexpensive premium, but still preserving your options to be treated abroad if you want to leave Canada for medical treatment.

Private Health Insurance in Canada

For those not aware:  Private medical care is not illegal in Canada, but the provinces do employ a number of disincentives to discourage a parallel private system.

http://www.nlma.nf.ca/nexus/issues/fall_2005/articles/article_8.html

Duplicate insurance, which allows people to seek care in private, hospitals while still being covered by the public system, is illegal, in Canada. You can however buy Private International Health Insurance from MedExPlan, an American international insurer as above. In Canada an average of $630 dollars is spent annually by individuals or private insurance companies for health care (extended health cover for employee groups), including dental, eye care, and drugs, but this is supplemental private insurance or self insurance for benefits not covered by provincial plans, so called extended health benefits.

Private insurance covering publicly insured services are illegal:

Primary reason why no private insurer, or cooperative, offers private health insurance in Canada, but International Private Health Insurance solutions are available outside Canada from firms like MedExPlan which is an inexpensive international US based plan with a Swedish Underwriter. MedExPlan’s underwriter has an A+ Standard and Poors financial strength rating.