Private insurance for HiV positive person

[Outworld]

Hi dear Fellows,

I would like to know if there is any private insurance one can buy being HIV positive outside of Canada for proof of a mitigation plan for Permanent Residency under FSW programming stream. The insurance should cover anti HIV drugs generics. Where can one find such kind an insurance? How long should one buy such kind of insurance to get application approval for CIC?
How much would it cost?
Please need a help for my friend.

 

[scylla]

Insurance companies generally don't cover pre-existing conditions. So these drugs won't be covered in a standard plan. Keep in mind that insurance companies are in the business of making money - so you should expect the plan to cost more than what it would take for you to pay for these medications yourself. They won't sell you a policy that they know they'll lose money on.

Generally speaking, if you've received a fairness letter, saying that you'll cover the costs through private insurance rather than relying on the public health care system doesn't help at all. This is because once you are a PR, there's nothing that forces you to keep buying private insurance or that stops you from using the public health care system.

As for the length of time - medical admissibility is based on either 5 or 10 years.

 

[Outworld]

Thank you

Insurance companies generally don't cover pre-existing conditions. So these drugs won't be covered in a standard plan. Keep in mind that insurance companies are in the business of making money - so you should expect the plan to cost more than what it would take for you to pay for these medications yourself. They won't sell you a policy that they know they'll lose money on.

Generally speaking, if you've received a fairness letter, saying that you'll cover the costs through private insurance rather than relying on the public health care system doesn't help at all. This is because once you are a PR, there's nothing that forces you to keep buying private insurance or that stops you from using the public health care system.

As for the length of time - medical admissibility is based on either 5 or 10 years.

Thank you very much for your quick response!
So virtually no private insurance is available to purchase for let's say 5 year period? I understand that it may cost much more than just direct purchase of medicines. Still I would like to know a couple of private insurance plans which covers HIv treatment for 5 years or so and can be bought by persons outside of Canada to prove having probate insurance. Any company offering this?

 

[canuck78]

It doesn't matter even if one exists (doubt it does). As explained above once you are a PR there would be no way to legally force someone to maintain private insurance and not use the public programs that are available. It is not an acceptable response to a procedural fairness letter about medical admissibility.

 

[Outworld]

It doesn't matter even if one exists (doubt it does). As explained above once you are a PR there would be no way to legally force someone to maintain private insurance and not use the public programs that are available. It is not an acceptable response to a procedural fairness letter about medical admissibility.

So guys what are your recommendation?
What my friend should do? He hasn't uploaded his IELTs results and is waiting to find out what to do?

 

[Outworld]

Insurance companies generally don't cover pre-existing conditions. So these drugs won't be covered in a standard plan. Keep in mind that insurance companies are in the business of making money - so you should expect the plan to cost more than what it would take for you to pay for these medications yourself. They won't sell you a policy that they know they'll lose money on.

Generally speaking, if you've received a fairness letter, saying that you'll cover the costs through private insurance rather than relying on the public health care system doesn't help at all. This is because once you are a PR, there's nothing that forces you to keep buying private insurance or that stops you from using the public health care system.

As for the length of time - medical admissibility is based on either 5 or 10 years.

So what is your recommendation?

 

[canuck78]

He can still apply but he should expect a procedural fairness letter and h will have to prove that he will not put a strain on the healthcare system ($6500/year). Depending on the person's health and their medication regimen they still may be accepted.