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To be eligible for coverage, on the effective date, you must:
If you purchase this coverage after your arrival in Canada there is no coverage for any sickness that began, or for which you experienced symptoms during the:
Exception: The waiting period will be waived if this policy is purchased on, or prior to, the expiry date of an existing Visitors to Canada Travel Insurance policy already issued by the insurer, to take effect on the day following such expiry date provided there is no change in plan type or increase in the sum insured applied for. The existing policy must be in effect on the date of purchase and there must be no gap in coverage.
A Pre-existing condition depends on your health condition means the critical illness, injury, symtom(s) that exists before and after effective date of insurance. Sometimes a healthy applicant can be deemed to have a pre-existing condition based on a past health problem or evidence of treatment for a particular condition.
If at the time of application you are taking medication of HBP (High blood pressure), Heart Condition, Lung Condition, Diabetese etc, you are atomaticaly in pre-existing condition.
Under 60 years of age Pre-existing condition automaticaly covered for illnesses related conditions as long as they have been STABLE in the 180 days before the policy starts.
Between the ages of 60 and 85 you need to eligible to buy our Stable Chronic Condition Option to cover pre-existing conditions. If you are ineligible to buy SCC option, you will pay a lower premium but will NOT be covered for any pre-existing conditions.
And if you are above than Age 86 pre-existing conditions are not covered.
This insurance has exclusions and limitations. If you buying this insurance policy you need understand your entire policy with what is probably the most important exclusion in any Visitor to Canada policy. All policies use their own definition of stable and other terms that affect coverage.
Many Visitors to Canada Medical insurance plans covers for emergency medical expenses relating to pre-existing medical conditions, which have been STABLE in 120 -180 days (depending on the plan) prior to the effective date of the policy.
STABLE pre-existing conditions is slightly different with different plans, it
a) You have not had any new symptoms, and existing symptoms have not become more frequent or severe, no test results showing deterioration; and/or
b) your physician has not determined that the condition has become worse; and/or
c) you have not been hospitalized or referred to a specialty clinic or specialist.
d) you have not advised to see you specialist or further test.