subject: No Medical Insurance [print this page] Wish to insure yourself without undergoing medical tests, that too with a past medical history? Well, it is definitely possible for insurance companies in Canada are offering no medical insurance policies as well.
Offered to citizens who fall in the age group of 45 to 75 years, no medical insurance is slightly expensive for the premium compared to traditional insurance. There is no reason to be flinch away from them for they offer good coverage for reasonable price provided you approach the right insurance advisor to guide you through them. This all is against no medical test and health questions which could be a relief to most of the citizens who are not insured.
At the same time, it is essential to check out premiums, their payment cycle, terms and conditions along with a set of medical queries which need to be answered before you actually sign the dotted line.
No medical Insurance Canada is offered to citizens with or without medical condition. Citizens who have been treated for cancer, heart failure, stroke, obesity, bipolar depression, insulin treated diabetes and even alcohol & drug abuse can insure them through this no medical insurance policy. The coverage comes effective from the first day of the policy itself.
Types of No Medical Insurance Policies
Guaranteed Issue ""
"Neither medical tests reports nor health questions are asked
"A cheque and a signature ensures coverage
"Comparatively high premiums and less benefits
"Suitable for those who are not eligible for Simplified Issue No Medical Insurance policies
Simplified Issue -
"Depending upon the Health history "" 3 "" 12 questions on health are asked.
"Comparatively high premiums and less benefits
"Suitable for those who wish to enjoy a simple application process
"Suitable for those who have been denied tradtional insurance policy in the recent past on account of their medical condition
No Medical Insurance Canada is just right for those who have
"Difficulties in getting insurance
"Health Issues such as Overweight, High Blood Pressure etc
"Wish to avoid medical checkups as far as possible
"Habitual Smoker
by: Samar Buch
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