Health Insurance Checklist

Following are some key questions to ask your insurance provider before you purchase your health insurance.

  • What does the plan cover? What does it provide that my provincial health-care plan doesn't?
  • What does it not cover?
  • Can I choose from among a variety of different coverages?
  • What limitations or conditions apply?
  • Does it cover drugs for a pre-existing condition?
  • Do I need a medical examination?
  • Is there a deductible? If so, how much?
  • How much will my premiums go up for the same coverage as I get older?

When you have a claim . . .

  • How do I make a claim?
  • Can my health care provider bill the insurance company directly?
  • If not, how long does it take for me to be reimbursed?

Please note, these questions are intended as a helpful guideline only, and are not meant to be exhaustive.

(Excerpted from The Insurance Book: What Canadians Really Need To Know Before Buying Insurance, by Sally Praskey and Helena Moncrieff)


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