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Temporary Health Insurance For New Immigrants | Short-Term Health Insurance |Canada | Ontario | OHIP - YouTube
Channel: Ajay Balhara
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Hello everyone , i am Jake , welcome to my channel
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in today's video we ll be talking about temporary medical insurance
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which every new immigrant needs
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when they arrive in Canada
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for the first 90 days
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because the provincial free insurance is not available until 90 days
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so what do we do ?
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we get the temporary insurance in that case
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for this video i need expert advice
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from my beautiful wife Demi
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i am meeting her in this beautiful park
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let me jus go and find where is she sitting?
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Hello
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cutie
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where are you coming from?
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didn't you notice anything new?
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ohhh, you got a new hair cut
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yeah
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looks pretty sharp
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you look very young
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yeah,. i know
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ok since you were waiting for me here
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i just started the video
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we are discussing about the temporary medical insurance
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that every new immigrant need when they arrive in Canada
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would you like to throw some light on it
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and inform our subscribers about it.
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yeah, sure , why not
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today we are talking about insurance
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so we will be covering
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what kind of insurance is there ?
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how much it will cost ?
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what it will cover?
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where to get it from ?
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so first thing that come to our mind
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who all need this temporary medical insurance?
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anyone who is immigrating to Canada as a PR
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all the students who are coming here to study
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anyone who is coming on work permit to work in Canada
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they all need temporary medical insurance
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for the first 90 days
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when the free provincial medical insurance is not effective
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so that is the time period when you need to insure yourself
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so that you dont have to pay expensive medical bills
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in case some emergency situation comes in your life
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yeah, that's correct , but let me also add
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some people, mostly above 40
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or someone who regularly need medical attention
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they keep this temporary insurance along with
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OHIP, which is free insurance for longer time
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oh, even with the provincial insurance , they keep temporary insurance also
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what is the reason for that?
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the provincial free insurance covers your hospital bills
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emergency situation , major sickness and hospital will be covered in your provincial insurance
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but what is not covered in OHIP
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the expensive prescription medicines
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which you have to buy yourself
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then your dentist, optometrist, hearing aid if somebody needs it
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your chiropractor, any remedial massage that you need
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all these things wont be covered in OHIP
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all those who regularly need these things
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they keep this private insurance along with their free provincial inusrance
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sometimes what happens, you get 3 months temporary insurance
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if get a job in a good company, then the company also provide you with free private insurance
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ok so it is included in job benefits
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in that case you dont need temporary insurance
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my company is providing me free health insurance for me and my husband
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so we will be covered for prescription medicines,
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dentist, optometrist, chiropractor, remedial massage
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everything will be covered in that private insurance
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apart from the OHIP
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i quickly want to clear OHIP is ONTARIO HEALTH INSURANCE PLAN
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since we live in Ontario , she keeps saying OHIP
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but if you shift to some other province it will be something else
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but the basic thing is the provincial health insurance
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so the next point that we are talking about is
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how much is this temporary insurance
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Demi, i am talking something important
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can't you feel the sun today
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actually sun is really beautiful today
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after coming here in Canada
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today is 1st time, we are actually out here, getting the sunlight
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just wearing one jumper, today is like Delhi winters
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i am so happy, i understood the importance of sun
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ok enough of your weather channel now
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we are talking about the price range for the temporary insurance
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can you talk about that now
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sure
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first of all i would like to say
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the price depends upon a lot of factors
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like your age, your marital status,
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if you have any children , then how many children?
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if you have any pre existing medical condition
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so there are XYZ, a lot of things on which this insurance price will depend on
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on an average the price would be 1000 CAD to 3000 CAD per year
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so divide it by the quarter if you want the price for 3 months
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but i cant give the accurate price
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because it depends on each person's situation and a lot of things
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on an average, let's say
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250 CAD to 300CAD
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it also depend on how much coverage you want
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what happens
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lets say, i have a 75% coverage of all the services
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then i have to pay only 25% from my pocket
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75% will be paid by insurance
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in some cases, 60% is paid by insurance and 40% by you
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the price goes up and down on lots of things
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on the various factors that come in the insurance deal
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the price will also depend on how much coverage you want
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plus how much facility you want
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do you want a dentist, optometrist, as in what all you want
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if you dont want all of that ,then the price will automatically go down
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on an average 250-300 CAD is what you might have to pay for 90 days insurance
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so this point is done, now we are going to move to the next point
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you got lost or what ?
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ok , we have discussed about the price range
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next point we are going to talk about is....
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what will it cover?
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exactly
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what all is covered in you temporary insurance
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first thing i want to tell you and clarify
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if you feel like you have cold or feeling feverish
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or you know, i am feeling my Blood Pressure is high
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why not i get it checked it from a general physician
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since i have temporary insurance
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be very clear in your mind, these things are not covered in temporary insurance
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you have to pay for them from your own pocket
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basically, the general consultation is not covered, for that you ll have to pay
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only emergency situation like, flu, infection, accidents etc will be covered by temporary insurance
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feeling feverish is not covered, but fever from flu will be covered
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small issues like common cold is not covered
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next important point is, where to get the temporary insurance from
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what are the best options
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proceed
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you can either purchase from a broker or insurance company
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you can go to your bank as well
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these are the 3 places you can look for insurance
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there are some companies which provides good plans
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MANULIFE, ALLIANZ, GCM are some good options
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in my opinion the cheapest option is Destination Canada
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now this is my personal opinion
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of course you can do your own research and decide which one is best for you
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but they offer the cheapest and good insurance coverage
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exactly
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i think this is pretty much about the insurance
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i ll add certain things about pregnant women
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see, if your expected date of delivery is after 3 months of landing in CANADA
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because in provincial free insurance, you wont have to pay anything
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you can deliver your baby in a good hospital free of cost
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but if your delivery is within 3 months of landing
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then you have to take your own call
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because the private health insurance wont cover this expense
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unless you disclose beforehand and they give some deal
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mostly , lts not covered
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when the bill would turn into many dollars, it would hurt
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so plan accordingly
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so if you are coming as a PR, then better to deliver in home country and then come
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i think as far as temporary medical insurance is concerned
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we have covered almost all the aspects of this issue
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now i would like to say if have any questions or confusion
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kindly put them in the comments sections
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and also pls press the bell notification button on your screen
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so that every time we make a new video, you get the notification
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and you don't miss any of the videos
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remember there is a like button , pls like our videos
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now we are gonna sign off , say bye to all of you
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