IN THE EVENT OF AN EMERGENCY:
To make a claim, you will need to complete a claim form
What to expect if you need to file a claim under your Visitor to Canada Insurance Policy.
Do I have to report the claim?
Any reported claim on a policy may make it difficult or impossible to get a refund of premium if you return to your country of origin early. Therefore, if you have a claim and there is a good chance you will leave Canada before your policy expiry date, you may choose not to report the claim especially if you have a high deductible on your policy. However, you do so at your own risk; claims reported late may not be accepted. If there is a chance that your small claim may develop into something bigger, we suggest you report it as soon as possible so that required follow-up, continuing treatment and/or complications can be considered for payment.
Do I have to have a claim form completed?
Any time you are treated by a doctor, dentist or healthcare practitioner and plan to claim the expense, you MUST have a claim form completed by the attending physician. The claim form has two sides one the claimant completes and one the physician completes. If you fail to have the medical service provider complete the form when youre first treated, you will have to return to that physician later to have the form completed. Any charges incurred for the cost of completing the claim form will not be reimbursed under the policy, but when the form is completed during the initial visit, you will not usually be charged for it.
Do I have to pay the bills or will the company pay directly?
The Visitor to Canada Insurance plan is a reimbursement plan. This means that you pay the bills yourself and then seek reimbursement from the insurance company. However, on inpatient hospital claims, the insurance company will attempt to make arrangements for the hospital to bill them directly so that you do not have to pay large expenses yourself. Whether or not the hospital will directly bill the insurance company depends on several factors:
Who does the insurance company send the cheque to?
Normally, we pay the insured person who has received the medical treatment. If this insured person wants to designate that payment be made to the sponsor, this must be indicated on the claim form.
INFORMATION REQUIRED TO SUBMIT A CLAIM:
Check the back inside panel of your policy for detailed instructions regarding the procedures to follow in the event of a claim.
Send claims correspondence to:
21st Century Visitors Claims
c/o Manulife Financial