Foreign Workers Insurance | Medical Emergency Coverage


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Insurance for Foreign Workers in Canada: What is it?

Medical Insurance for Temporary Foreign Workers in Canada is designed to cover the costs for an emergency treatment while an insured person resides in Canada or travelling to other countries across the world, except for the country of origin/citizenship, provided that his or her stay within Canada is longer than the duration of a side-trip.

Private health insurance is available for Foreign Workers as well as other visitors, who do not qualify for provincial medical care plans right away due to a waiting period.

With a great choice of medical emergency packages for Foreign Temporary Workers to Canada, you can easily find the best insurance coverage at the lowest rates on the market!

 

Insurance for Foreign Workers in Canada: Why do I need it?

If your employment is in British Columbia, Quebec, Yukon, Ontario or New Brunswick you will have to wait approximately 3 months before you can be eligible for public health care in Canada.

That is why, it is strongly recommended that you consider applying for a private Temporary Foreign Workers health insurance plan, while awaiting your government insurance card. This way, you will be able to avoid paying out of your own pocket for the medical emergency treatment you may need during the waiting period.

Get a Quote: Use our online health insurance for foreign workers in Canada quotes calculator to see the prices from all Canadian Insurance providers we are working with. You will get a list of all quotes with different deductible options. Note that the Deductible/Excess is the amount of money that has to be paid by yourself before the insurance company pays out the rest, in case of a claim.

Select a Plan: Choose the quote that you like and click on a “Plan Details” button for insurance plan you have selected. You will be re-directed to a webpage, where you can review coverage details for a particular Foreign Workers insurance policy.

Review the Coverage: Read the Summary of Benefits, Eligibility Requirements and other information outlined on that webpage. Please, note that in order to see the official insurance plan description, you need to review the Policy Wording, which is also available for download on our website. Once you have finished learning about the offered medical insurance for foreign workers in Canada, you can click on “Buy Insurance” or “Buy On-line” buttons to begin your on-line application.

Application Process: In order to complete an application form and purchase your Foreign Workers medical emergency insurance, all you need to do is to provide your name, date of birth and other basic personal and contact information. You may also click on “How to Apply” button to watch a video guide that will show you the whole application process for an insurance plan of your interest. Please, take a moment to review your application in order to be sure that you have put in all information correctly for your Foreign Workers insurance policy. Once you apply you will receive your insurance policy via email.

Each Temporary Foreign Workers insurance plan is slightly different from one another. Yet, the summary of health benefits below outlines what is covered by all the plans we offer.

Note that medical examination is not required for purchasing this type of health coverage.

– Medical Care
– Follow up Visits
– Repatriation (Emergency Home Return)
– Ambulance Services
– Emergency Dental Repair
– Accidental Dental
– Various Laboratory Diagnostics/ X-Ray
– Prescription Drugs
– Accidental Death & Dismemberment
– Services of a Medical Specialist i.e. chiropractor, surgeon, etc.
– Hospitalization
– Services of a Registered Nurse
– Burial / Cremation
– Rental or Purchase of Medical Appliances

For a complete set of medical benefits provided by Foreign Workers insurance, please take a look at the Policy Wording of a plan selected.

Foreign Temporary Workers Canada health plan provides up to $300,000 worth of insurance coverage for non-Canadians working in Canada. This plan is available to Foreign Workers aged 69 or younger, and is ideal for an employee, who is not eligible for group coverage as a result of not being enrolled in the provincial health plan.

A: In order to determine whether or not you are eligible for a group insurance plan benefits, you will need to clarify it with your employer first.

If your organization/company does not provide any health insurance benefits to its employees, you can always get protected with a private Foreign Workers insurance coverage until you receive your Provincial health insurance card.

A: Temporary Foreign Workers in Canada are not required to have medical insurance coverage.

Yet, it is highly recommended to secure your finances with a medical insurance policy, whether it is private, employment or Provincial insurance plan.

A: In most cases, staying in Canada with a Temporary Foreign Workers status makes you eligible to receive the Provincial health insurance benefits.

Yet, it is worth to note that in some provinces across Canada such as Ontario, British Columbia, New Brunswick, Yukon and Quebec, you will need to wait approximately 3 months before you can receive your health insurance card due to a standard waiting period set by the Provincial Government.

Provincial health coverage is different depending on a province of your residence. Medical expenses incurred anywhere outside your home province may not be covered by your provincial medical care plan.

When you travel within Canada or abroad, check with your local health office as you might need to purchase travel insurance to stay protected.

You will find all the forms necessary for enrollment online. You can also get an application form from a doctor’s office, hospital, college, university or a local community center.

 
Required Documents

When you apply for your health insurance card, you will need to show some identification such as your birth certificate or passport, or your Confirmation of Permanent Residence (IMM 5292). You can also present your Permanent Resident Card.

 
What You Will Receive

In most provinces and territories, each family member receives their own card with a personal health identification number. In Manitoba, only adults receive health insurance cards. The adult card lists each family member’s name and personal identification number.

Your medical insurance card shows your name, address, gender and birth date. You must carry the card with you and present it at a hospital or clinic when you or someone in your family needs health services.

 
Health related information is available from provincial and territorial Ministries of Health.

Visit the official Health Care System website for more information on health insurance coverage and cards in each province and territory.