Insurance claim for super visa

[mapleleafland]

I wanted to inquire if any of you guys who have parents with super visa , had a chance to claim the expenses to a insurance company? Is the process smooth? Does that process take time , and if yes how much . Do one have to pay upfront and insurance company reimbursed later ?

Any insight would be of great help. Thanks in advance for your time and help.

 

[steaky]

I wanted to inquire if any of you guys who have parents with super visa , had a chance to claim the expenses to a insurance company? Is the process smooth? Does that process take time , and if yes how much . Do one have to pay upfront and insurance company reimbursed later ?

Any insight would be of great help. Thanks in advance for your time and help.

My in-law went to see medical attention while she was visitor of Canada (not super visa but regular TRV) back then and we claimed the insurance company for the expenses we paid. I don't remember how long it took from the moment we filed the claim to we received the reimbursement from the insurance company.

 

[YVR123]

It really depends on the term of the insurance that you've purchased.
Most only cover emergency treatment.

We did have an emergency and she had a surgery. And the insurnace company only paid less than half of the expenses (surgery, over night stay, post op checkup...etc) .... at the end.
It's hard to argue and my MIL rushed to sign the agreement for the payout. At the end we found out that there was unsettle debt with the health authority and we end up paying out of our pocket.

 

[steaky]

It really depends on the term of the insurance that you've purchased.
Most only cover emergency treatment.

We did have an emergency and she had a surgery. And the insurnace company only paid less than half of the expenses (surgery, over night stay, post op checkup...etc) .... at the end.
It's hard to argue and my MIL rushed to sign the agreement for the payout. At the end we found out that there was unsettle debt with the health authority and we end up paying out of our packet.

We didn't had to sign the agreement for the payout. I guess it depends on the insurance company.

 

[YVR123]

We didn't had to sign the agreement for the payout. I guess it depends on the insurance company.

Yes. She was just visiting (not on supervisa) and it was a normal travel health insurance.
We thought the insurnace company had directly deal with the health authority and paid everything.
But their deal is to not pay the rest... and left it for us to settle.. well. Lesson learnt.

 

[canuck78]

The first step is the insurance company will look carefully to make sure there isn't a loophole that will allow them not to pay especially if there is an expensive bill. Would make sure you read the fine print of your policy especially when it comes to preexisting condition. In general th If your parent is having a longer stay in hospital I would contact the insurance company. Although they can never guarantee a payout until they review the case there is usually a way for the hospital billing department to bill the insurance company directly. There may still be an outstanding amount like in the case of @YVR123 or in the case where the bill was for over your insurable amount. 100K of coverage is not enough to cover many hospitalizations especially if it involves the ICU or surgery. The fact that medical repatriation is not part of the plan is a huge oversight in my opinion.

 

[YVR123]

The first step is the insurance company will look carefully to make sure there isn't a loophole that will allow them not to pay especially if there is an expensive bill. Would make sure you read the fine print of your policy especially when it comes to preexisting condition. In general th If your parent is having a longer stay in hospital I would contact the insurance company. Although they can never guarantee a payout until they review the case there is usually a way for the hospital billing department to bill the insurance company directly. There may still be an outstanding amount like in the case of @YVR123 or in the case where the bill was for over your insurable amount. 100K of coverage is not enough to cover many hospitalizations especially if it involves the ICU or surgery. The fact that medical repatriation is not part of the plan is a huge oversight in my opinion.

The fine print is very important. The one we got have over 200K (or more, I don't remember because I wasn't the one who deal with the insurance)
There was an agreement that hospital bill directly to insurance. That's why we thought everything was settled between them.
Then we got a surprised bill sent to our place from health authority. The very important thing is about fine prints. And my MIL seems healthy back then. And yes, it was a needed emergency surgery. (life or death situation) But I guess the insurnace didn't think the test done and the recovery at the hospital after the surgery was included... well...