Global Medical Care

Yes, eligible spouses and dependent children can be covered under a Global Medical Care (GMC) plan. The spouse must be legally married to or in a civil union with the policyholder, and children must be under the age of 19 (or 24 if a full-time student at an accredited college or university).

GMC insurance plans typically offer a lifetime maximum benefit of $5,000,000 per person.

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This figure is typically reduced to $1,000,000 for insured persons upon attaining older ages (e.g. age 70 or 75).

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Global Medical Care plans typically offer deductible choices for individual plans, ranging from $250 to $20,000. The deductible amount selected will affect the policy's premium and out-of-pocket costs when seeking medical care.

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The higher the deductible, the lower the premium. Conversely, the lower the deductible the higher the premium.

Eligibility for a Global Medical Care (GMC) plan at the time of application typically includes the following criteria:

• Residency: You must be a resident of Canada.
• Healthcare Coverage: You must have existing provincial or territorial health coverage in place, as GMC plans often act as a complement to your primary healthcare insurance.
• Age: There are often age restrictions for eligibility. For example; you must be at least eighteen (18) years of age, except for eligible dependents, and under the age of 71 at time of application.
• Medical Underwriting: Eligibility will be subject to medical underwriting, which may involve disclosing your medical history to assess any pre-existing conditions that could affect coverage.
• Dependents: Coverage may extend to include your spouse and dependent children, with specific definitions and conditions, such as age limits or student status.
• Waiting Periods: There may be waiting periods for those who have recently become residents of the country or for certain benefits (e.g. Maternity benefits) to become available under the plan.

The Executive Medical Assessment is an optional add-on feature that significantly enhances your health protection strategy. Our public healthcare often operates on a reactive model, addressing health issues as they arise rather than preemptively. Consequently, this approach can lead to delayed detection of medical conditions. Opting for the Executive Medical Assessment shifts the focus of your healthcare management to a proactive stance, facilitated by regular check-ups at private clinics. This shift not only promotes earlier detection of health issues but also supports improved health outcomes.

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One of the challenges, even with early detection through private healthcare, is the subsequent waiting period for treatment. This is where the Global Medical Care (GMC) coverage becomes invaluable. It empowers you to bypass potential delays within the Canadian healthcare system, offering the freedom to seek treatment globally, immediately after a diagnosis is confirmed. Combining the foresight of the Executive Medical Assessment with the responsive action enabled by the GMC plan creates a comprehensive health safeguard, ensuring you receive timely and effective medical care whenever you need it.