Avoid mistakes while buying Super Visa Insurance
Are you covered for your pre-existing medical conditions?
The insurer in general is looking at medical stability with respect to medical
condition when determining risk. Medical stability means no hospitalization; no
treatment or medical investigation and no changes in medication for a specified
length of time i.e. say 180 days. In insurance terms the longer you are stable,
the less expensive is the premium. Please do not assume that your pre-existing
conditions are covered.
Please read carefully
Reimbursement or up-front payment plan? Get information
from your financial advisor from whom you are getting super visa insurance
from whether the plan you are purchasing is a reimbursed plan. Reimbursement
plan requires you will have to pay from your pockets first and then submit
your claim to the insurance company. For example the insurer meets with an
accident and has to be rushed to the hospital. On reaching the hospital you
find out you will have to dig out your wallet for your credit card payment to
pay the hospital bills and then submit a claim to the insurance company. The
mistake while purchasing the plan is that you assumed would take care of the
financial hit up front!
Call the hotline if you are hurt or sick: Insurers today
insist that you call the 24 hour emergency assistance toll free hot line that
they have provided you, usually on a wallet card. The managed care process
starts the moment the hot line is called. The medical professionals answering
the hotline will speak with the attending physicians to determine the best and
appropriate care while mitigating instances of misuse and duplication of
medical services. The mistake? Not calling the hotline and being responsible
for up to 30% of the bill as per the policies agreement.
Covered on your credit card? Most credit card companies
have replaced 'emergency medical travel insurance 'with 'Travel Accident
Insurance'. This is a much different product and does not offer full
protection you need when travelling. Travel medical insurance covers hospital,
emergency, prescription drugs and other expenses. The mistake? Relying on your
credit card for travel health insurance.
Non- disclosure of facts: The applicants must reveal the
truth -full medical disclosure and get responsible for the coverage. Mistake
is not revealing the truth and buying a cheaper policy.
Trust your Insurance Professional: Your insurance agent
or your financial advisor whatever you call are there to assist you with the
purchase. They have everything in writing to assist you in the event of a
claim. Your insurance agent can act as an advocate in times of claim. Do not
commit the mistake of buying the wrong plan based on an ill-advised
recommendation.
We have been serving our fellow Canadians since 2010. We
understand that insurance is about more than just price. That's why we offer our
clients insurance solutions tailored to meet their individual
requirements.
There are many financial companies in Canada that offer
similar products and services to the Canadian consumer. We are
different than other companies because we put the interest of our clients ahead
of everything. We give transparent advice and encourage declaring the truth
while taking an insurance policy. This will help the client and insurance
company to avoid any issues when a claim is made. Consumers complete a simple
online form, answering the same basic questions asked by most insurance brokers
and agents. The process typically takes between 2 and 3 minutes and all personal
information submitted is secure and protected. Once the consumer gets in contact
with our insurance broker or agent, they are able to confirm details of the
quote and receive professional advice as to their insurance needs. From that
point, it is entirely up to the consumer as to whether they wish to purchase the
policy. There is never any obligation.
Hundereds of consumers use amanbrar.com to save money on their
super visa insurance and travel insurance. Our satisfied
customers have been helping spread the word of our service for years. Trust
Aman Brar and Associates your trusted partner in the insurance
industry!