Immigrants & Visitors to Canada Eligibility Questions

To see if you can buy a GMS Immigrants & Visitors to Canada Plan, we need to ask you a few questions. These questions are part of the application, but you can see them here before you decided to purchase.

The questions you need to answer are based on your age. Some of the words in the questions have very specific meanings. Those words are in bold and defined below. You need to answer "no" to all of these questions to be eligibile to purchase a plan.

Immgirants & Visitors to Canada Plans are only available to people under the age of 80.

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  1. Do you have any reason to seek medical treatment, excluding the regular care of a chronic condition or medical evaluation required to satisfy travel visa requirements?
  2. If you are currently in Canada, have you ever been denied similar coverage offered by another Canadian insurer?
  3. If you are currently in Canada, have you had more than $5,000 in medical treatment in the last 12 months while in Canada?
 
  1. Do you have any reason to seek medical treatment, excluding the regular care of a chronic condition or medical evaluation required to satisfy travel visa requirements?
  2. If you are currently in Canada, have you ever been denied similar coverage offered by another Canadian insurer?
  3. If you are currently in Canada, have you had more than $5,000 in medical treatment in the last 12 months while in Canada?
  4. Are you:
    1. expecting medical treatment for heart disease;
    2. waiting for a test(s) for a suspected heart condition; and/or
    3. taking prescription drugs for heart disease while taking insulin to treat diabetes?
  5. Do you have an Implantable Cardioverter Defibrillator (ICD)?
  6. Have you fainted or fallen more than once without medical diagnosis (syncope)?
  7. Do you use home oxygen for a medical condition?
  8. Do you take oral steroids to treat a lung condition?
  9. Are you being treated for cancer or have Metastatic Cancer?
  10. Do you have a vascular aneurysm that is surgically untreated?
  11. Have you ever had
    1. a valve replacement,
    2. kidney (renal) dialysis, or
    3. an organ transplant?
  12. Were you diagnosed; did you receive new medical treatment (e.g. consultation, tests or prescription drugs); or did you have a change in your medical treatment (e.g. a stop, start or dosage change to a prescription drug, other than a dosage change of Coumadin or Warfarin) for any of the following conditions in the last twelve (12) months?
    1. congestive heart failure
    2. atrial flutter
    3. atrial/ventricular fibrillation
    4. peripheral vascular disease
    5. stroke/transient ischemic attack (TIA)
    6. acquired immune deficiency syndrome (AIDS)
    7. terminal illness
    8. blood clot(s)
    9. gastrointestinal bleeding
 
  1. Do you have any reason to seek medical treatment, excluding the regular care of a chronic condition or medical evaluation required to satisfy travel visa requirements?
  2. If you are currently in Canada, have you ever been denied similar coverage offered by another Canadian insurer?
  3. If you are currently in Canada, have you had more than $5,000 in medical treatment in the last 12 months while in Canada?
  4. Are you:
    1. expecting medical treatment for heart disease;
    2. waiting for a test(s) for a suspected heart condition; and/or
    3. taking prescription drugs for heart disease while taking insulin to treat diabetes?
  5. Do you have an Implantable Cardioverter Defibrillator (ICD)?
  6. Have you fainted or fallen more than once without medical diagnosis (syncope)?
  7. Do you use home oxygen for a medical condition?
  8. Do you take oral steroids to treat a lung condition?
  9. Are you being treated for cancer or have Metastatic Cancer?
  10. Do you have a vascular aneurysm that is surgically untreated?
  11. Have you ever had
    1. a valve replacement,
    2. kidney (renal) dialysis, or
    3. an organ transplant?
  12. Were you diagnosed; did you receive new medical treatment (e.g. consultation, tests or prescription drugs); or did you have a change in your medical treatment (e.g. a stop, start or dosage change to a prescription drug, other than a dosage change of Coumadin or Warfarin) for, any of the following conditions in the last twelve (12) months?
    1. congestive heart failure
    2. atrial flutter
    3. atrial/ventricular fibrillation
    4. peripheral vascular disease
    5. stroke/transient ischemic attack (TIA)
    6. acquired immune deficiency syndrome (AIDS)
    7. terminal illness
    8. blood clot(s)
    9. gastrointestinal bleeding
    10. do you need help from another person(s) with activities of daily living (ADL), including but not limited to: personal hygiene and grooming; dressing and undressing; feeding yourself; getting into and out of bed, a chair, a wheelchair, the toilet, etc; bowel and bladder management; and/or managing your medication?

Definitions

activities of daily living (ADL): activities such as personal hygiene and grooming; dressing and undressing; self-feeding; functional transfers (getting into and out of bed or a wheelchair, getting onto or off the toilet, etc); and bowel and/or bladder management that you reqire daily assistance with.

chronic condition(s): is a condition that continues to exist for a long period of time or is expected to exist for a long period of time.

medical condition(s): are any irregularities to your health such as an illness, injury or emotional, psychological or psychiatric condition(s):

a. for which you receive medical treatment or medical consultation;

b. related to undiagnosed symptoms for which you received new medical treatment or medical consultation; or

c. related to undiagnosed symptoms which would have caused an ordinary person to seek medical treatment or medical consultation

medical consultation: A meeting with a physician to discuss and evaluate symptoms to diagnose a medical condition, illness or injury. It also includes meeting with a physician to evaluate your progress and medical treatment of a medical condition, illness or injury.

medical treatment: Any medical, therapeutic or diagnostic measure prescribed or recommended by a physician in any form, including; prescription medication; investigative testing; in-hospital care; surgery; or other prescribed or recommended action directly referable to the applicable condition, symptom or problem.

oral steroids: Oral steroids are steroids that are swallowed to treat a lung condition. They do not include steroids that are inhaled to prevent asthma attacks or to temporarily treat and relieve inflammation of the airway.

heart disease: Any disease of the heart including, but not limited to: angina, irregular heartbeat, heart attack, congestive heart failure, ischemic heart disease, valvular heart disease, and myocardiopathy.

terminal illness:  A disease that cannot be cured and is reasonably expected to result in death.

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