INSURANCE FOR PRE EXISTING CONDITION LIKE PREGNANCY

[lino]

We have completed medicals and expecting visas soon and plan to travel february 2010. I am pregnant and plan to deliver in canada before the commencement of the cover.

Has any body done insurance for pre existing condition like pregnancy? if yes which insurance company and rates?

Has anyone used Arbetov Insurance and wealth management Inc for procuring insurance?

Thanks for your response

[chintupatel]

I know this is too late but did you gave birth in canada and were you able to get insurance quote ? Please reply, we are in the same situvation currently.

Thank you,

[dreamcanada]

in case of late pregnancy i suggest u guys land in alberta or in mantiboa . as u will be covered from the very first day of landing.

[haver]

The pregnancy should not be considered as pre-existing conditions (I am telling it as senior insurance agent).
It could not be covered for new immigrants. Most Canadian provinces provide you with the medical insurance
since the day you have arrived. The exeptions are BC, New Brunswick, Ontario, and Quebec.
It theese four provinces you won't be covered for the first 3 months. You should buy medical emergency insurance.
This insurance does not cover pregnancy. Sorry.

[ramosorevitno]

in case of late pregnancy i suggest u guys land in alberta or in mantiboa . as u will be covered from the very first day of landing.

Hi,

Is this proven ?

My wife is  3 months pregnant now amd we are planning to land on her 5th month,

Will she be covered on the day of the landing, is pre-natal covered on this?

Please share your experiences.

Thanks.

[ramosorevitno]

The pregnancy should not be considered as pre-existing conditions (I am telling it as senior insurance agent).
It could not be covered for new immigrants. Most Canadian provinces provide you with the medical insurance
since the day you have arrived. The exeptions are BC, New Brunswick, Ontario, and Quebec.
It theese four provinces you won't be covered for the first 3 months. You should buy medical emergency insurance.
This insurance does not cover pregnancy. Sorry.

in case of late pregnancy i suggest u guys land in alberta or in mantiboa . as u will be covered from the very first day of landing.

Hi Haver,

Are you saying " dreamcanada is right ? we can land in Alberta or Manitoba and  my wife will be covered?

Please reply , we need to plan our landing.

Thanks.

[darbi]

yes ramosorevitno, you are fully covered in Alberta and Minitoba!!

personally my wife was planning to land and deliver baby in Ontario, but realized later on that it will cost about CAD 10,000. so we changed plans to Calgary where coverage starts from day 1.

Darbi

[ramosorevitno]

yes ramosorevitno, you are fully covered in Alberta and Minitoba!!

personally my wife was planning to land and deliver baby in Ontario, but realized later on that it will cost about CAD 10,000. so we changed plans to Calgary where coverage starts from day 1.

Darbi

Hi Darbi,


When are you planning to land in Calgary? Did you already find a place to stay?
How did you confirm/know about the coverage (pregnancy/prenatal), did you read it somewhere or someone has told you?
I know the basic helth is covere upon landing as per the members here in this forum.
But aboit preganacy I am still doubting.

Can you please share you thoughts?

Thanks a lot and Congratulations with ur baby.

[darbi]

i will be going on November and will be staying at my relatives place.

i also heard that pregnancy is covered from the forum, but did not read it from an official source. i tried looking for it in the internet, but failed to find something that says pregnancy is covered. so i sent as email to the Ministry of Health and Wellness in Alberta asking about the coverage and the answer was as follows:

"Thank you for your inquiry.
All of the procedures and anesthetics involved in a routine labor and delivery or C-section are covered under Alberta Health and     Wellness for Alberta residents.  The only service surrounding the situation that is not covered is a routine circumcision for a new born male. You can contact our Claims Inquiry Line toll free at 310-0000-780-422-1600 or 780 422-1600 in the Edmonton area."

"Transportation by any means is not part of the Canada Health Act so it is not included in your health care benefits coverage. It is for this reason that citizens are encouraged to purchase extended plans like Alberta Blue Cross to cover those costs outside of standard health care benefits. If third party insurance is not an option for payment you would be responsible.
Prescription drugs are not covered by the Alberta Health Care Insurance Plan."

"If you have further questions please contact:
Ministry of Alberta Health And Wellness
Edmonton: 780-427-1432
Other areas in Alberta (toll-free): dial 310-0000 followed by 780-427-1432
Outside Alberta: 780-427-1432
Email: Health.AHCIPMail @ gov.ab.ca"



I hope this helps and best of luck

regards,
Darbi

[ramosorevitno]

i will be going on November and will be staying at my relatives place.

i also heard that pregnancy is covered from the forum, but did not read it from an official source. i tried looking for it in the internet, but failed to find something that says pregnancy is covered. so i sent as email to the Ministry of Health and Wellness in Alberta asking about the coverage and the answer was as follows:

"Thank you for your inquiry.
All of the procedures and anesthetics involved in a routine labor and delivery or C-section are covered under Alberta Health and     Wellness for Alberta residents.  The only service surrounding the situation that is not covered is a routine circumcision for a new born male. You can contact our Claims Inquiry Line toll free at 310-0000-780-422-1600 or 780 422-1600 in the Edmonton area."

"Transportation by any means is not part of the Canada Health Act so it is not included in your health care benefits coverage. It is for this reason that citizens are encouraged to purchase extended plans like Alberta Blue Cross to cover those costs outside of standard health care benefits. If third party insurance is not an option for payment you would be responsible.
Prescription drugs are not covered by the Alberta Health Care Insurance Plan."

"If you have further questions please contact:
Ministry of Alberta Health And Wellness
Edmonton: 780-427-1432
Other areas in Alberta (toll-free): dial 310-0000 followed by 780-427-1432
Outside Alberta: 780-427-1432
Email: Health.AHCIPMail  @  gov.ab.ca"



I hope this helps and best of luck

regards,
Darbi

Thanks Darbi for the info.

We wish you and your family goodluck to your new life.

[haver]

I am not sure what Alberta provincial plan covers but I know that baby delivery is not an emergency.
It means that it is not covered with visitors to Canada insurance.
As I know from my clients (100% of them are immigrants) , people who don't have provincial coverage can use
free of charge medical service as for people without status. It is just in case.

It can't replace emergency medical insurance. It is better to have one rather than don't.