Special Underwriting for Pre-existing Conditions
21st Century Travel Insurance Ltd., underwritten by Manulife and represented, by Ray Battiston for Visitors to Canada and Returning Canadians


 


The 21st. Century, Manulife policy is one of our best Visitor to Canada Medical Insurance Plans. It can be purchased prior to arrival for immediate coverage on arrival,  with no age limit.  It can also be purchased after arrival, subject to a waiting period as described below. Unlike most visitors plans,  it can cover stable pre-existing conditions  right up to age 85, as defined in the policy. 

Applicants age 60 -85 will have to answer "no" to five short questions on the Medical Declaration in order to qualify for Stable Chronic Condition coverage. Younger visitors will have to have stable medical conditions (details in policy wording).  All ages 86 and above must complete the questionnaire but ages 86 can not be covered on Stable Chronic Care Conditiions.

Yes, there is a difference in coverage with Visitors Insurance plans. Always ask your Broker if Pre-existing medical conditions can be covered! This plan DOES cover stable chronic conditions as outlined in the policy wording. (up to age 59, optionally age 60-85)

Manulife  Insurance "brands" different programs. This particular program is another Manulife variation sold by over 700 Agents and Brokers, including our office. The premium rate charged by all 700 plus Brokers through this program are exactly the same.  We are proud to be one of the  oldest  and largest producing Brokers contracted with 21st Century Travel Insurance Ltd.

You can purchase Manulife Insurance Visitors to Canada Medical Insurance from us via E mail, scanned e mail, fax or phone, or can download  the following policy and rate information to study before you buy!  We do recommend you speak with one of our Brokers prior to purcahse.  You should get a response either the same day, or next day at the latest. Coverage is bound as soon as I confirm this to you. The original policy, receipt and ID card  is always mailed out via Canada Post.
 


Medical Declaration  -required for age 60-85 applying for Table 1 pre-existing conditions  -SCCC

FULL POLICY WORDING FOR NEW POLICIES Effective Oct 3 2016- yOU CAN PRINT OUT THIS WORDING TO REVIEW POLICY TERMS, CONDITIONS, EXCLUSIONS, AND COVERAGE.

    New: SIDE TRIPS WORLD WIDE FOR VISITORS TO cANADA. rEAD THE CONDITIONS

Visitors Claims Form: Claim Form

21st Century Manulife Visitors Brochure

21st Century Visitors Application for Insurance

21st Century Manulife Visitors Rate Card Version 8
 


Maximum Coverage Period

Coverage is available under a policy for 365 days in total for ages up to 85. For those age 86 and older, coverage can be purchased  to insure up to the first 180 days following the date of a arrival in Canada from your country of origin. A "Wating Period" may apply at any age; review the policy carefully for complete description.

Maximum limit  now available is $150,000 per person to age 80, $100,000 81 and over.

Additional $50,000 of coverage is available for Accident claims when the $100,000 option is chosen.

$10,000. Accidental Death & Dismemberment is automatically included for ALL applicants.

All Applicants up to age 85 use Table 1 when applying for stable chronic conditions coverage. You will have be able to answer No on the questionnaire at ages 60-85 to qualify for Table 1 cov er.

21ST CENTURY TRAVEL INSURANCE LIMITED RATE PER DAY/PERSON- MINIMUM POLICY OR EXTENSION PREMIUM IS $25.00 PER POLICY  (Family rate=double highest single)

Rates with Regular Deductible of $50 ($500 age 86+)

Table 1 - SCC Rates - All rates in this table DO include coverage for "Stable Chronic Conditions"

Is Med Decl Required?

No

Yes

No

Age

Up to 25 years

26 to 34 years

35 to 39 years

40 to 54 years

55 to 59 years

60 to 64 years

65 to 69 years

70 to 74 years

75 to 79 years

80 to 85 years

86 and older

$10,000

$1.87

$2.04

$2.09

$2.26

$2.37

$3.37

$3.61

$5.50

$6.71

$10.07

n/a

$15,000

$2.28

$2.36

$2.47

$2.62

$2.95

$3.76

$4.50

$6.85

$7.95

$11.32

n/a

$25,000

$2.30

$2.52

$2.62

$2.98

$3.10

$4.15

$4.95

$7.40

$9.10

$13.75

n/a

$50,000

$2.75

$2.85

$3.05

$3.40

$3.67

$5.05

$5.60

$8.57

$11.25

$16.50

n/a

$100,000

$3.50

$3.75

$4.00

$4.90

$5.25

$6.60

$7.50

$10.90

$13.40

$20.00

n/a

$150,000

$4.10

$4.57

$5.00

$5.81

$6.67

$8.80

$11.55

n/a

n/a

n/a

n/a

Table 2 - Standard Rates - All rates in this table DO NOT include the "Stable Chronic Condition" Option.

Is Med Decl Required?

No

Yes

Age

Up to Age 59

60 to 64 years

65 to 69 years

70 to 74 years

75 to 79 years

80 to 85 years

86 and older

$10,000

See Above

$3.04

$3.26

$4.46

$5.28

$6.66

$10.71

$15,000

$3.40

$4.00

$5.60

$6.60

$8.90

$12.54

$25,000

$3.75

$4.45

$6.66

$8.07

$10.06

$14.76

$50,000

$4.50

$5.06

$7.72

$9.80

$11.90

n/a

$100,000

$5.90

$6.75

$9.80

$12.10

$14.00

$32.00

$150,000

$8.00

$10.50

n/a

n/a

n/a

n/a

         
Deductible Options up to age 85                
Rates with $0 Deductible    Apply 5% surcharge          
Rates with $250 Deductible  Apply 10% discount          
Age means on the effective date of the policy                      
                     

* Available for 365 days on super visa  86-89 and have been insured with 21st Century with an aggregate policy limit of $100,00 within the 18 months preceding the purchase date of this policy.

There is a standard $50.00 deductible on ages to 85. On ages 86 and above there is a $500. deductible.  For ages to 85 wishing a $0. deductible add 5% to the premium and advise us 0 is required.

An optional  $250 deductible results in a 10% premium discount.

What is the Stable Chronic Condition Option?

When this option is automatically included  to age 59 in Table 1 or purchased for the extra premium in Table 2 on ages 60-85, the Pre-Existing condition exclusion will not apply to Insured Services incurred after any applicable Waiting Period to respond to a Stable Chronic Condition (as defined in the policy)

Note that, even with this option included, conditions that do not fit the definition of Stable Chronic Condition are still subject to the regular exclusion (reproduced below).

Pre-existing Condition Exclusion: Sample. Refer to whole policy document for full details



We will not reimburse you for insured services or pay an

Accidental Death and Dismemberment claim and/or any other

expenses arising after any applicable waiting period, from:

1. any sickness, disease, symptom, or injury:

i) for which medication has been taken, received or

prescribed; or

ii) for which treatment has been received or prescribed; or

iii) which has either been newly diagnosed or has

presented with new symptoms or existed,

in the 180 days preceding the effective date.

Important Note regarding Exclusion #1 - A stable chronic

condition is covered under the policy if you: a) are under 60

years of age on the effective date of your coverage; or b) are

60 to 85 years of age on the effective date of your coverage,

completed the Medical Declaration and truthfully and

accurately answered NO to each question, and paid the

required premium to purchase the stable chronic condition

option.
 

Please refer to complete policy wording for full details at http://www.ecanadianinsurance.com/21stCenturyPolicyWording.pdf


APPLICATION: VISITORS TO CANADA HEALTH INSURANCE

(if e mailing application, copy and paste into your e mail, or scan application and  e mail in, faxes also accepted)
 

You are not eligible for coverage under this policy if:

you are travelling against the advice of a physician;

you have been diagnosed with a terminal illness with

less than two (2) years to live;

you have been diagnosed with or received treatment

within the last two (2) years for pancreatic, lung, brain, or

liver cancer; or any type of cancer that has spread from

one part or organ of the body to another not directly

connected with it;

you have had or are waiting for an organ or bone

marrow transplant (excluding corneal transplant);

you have a kidney condition requiring dialysis;

you have used home oxygen during the 12 months prior

to the date of application; and/or

you reside in a nursing home, home for the aged, other

long term care facility or rehabilitation centre.

We reserve the right to decline any application.

One or more persons may be insured under one policy.

However, the effective date and expiry date must be

identical for all applicants. An application cannot contain more

than two applicants age 60 or older. Each applicant must pay

their appropriate individual premium unless family rates

apply. Family rates are not available if any applicant is age

60 or older.

Be sure to review the waiting period definition to determine

if there is any time that you will not be reimbursed for

expenses related to any sickness manifesting during that time.

Visitors to Canada Insurance application which can be copied and pasted into e mail:


Insured         (family name)             (first name)               (date of birth)

1)_____________________________________________________________________________

2)_____________________________________________________________________________

3)_____________________________________________________________________________

Country of Origin:__________________________ Name of Sponsor____________________

check only one:   ( ) New Immigrant  ( ) Returning Canadian(s)  ( ) Visitor  ( )Work/student  ( ) Other_____________

Check only one:  (  ) Prior 21st Century Travel Insurance Policy #__________(  ) None

Do I need to complete the Medical Declaration?

Under age 60- Rate Table 1, Medical Declaration not required

Age 86 and over: Rate Table 1, Stable Chronic Condition Option not available but must complete Medical Declaration

Age 60- 85: Rate Table 2 for new conditions, choose Rate Table 1 to cover pre-existing conditions, and requires "no" answers to Medical declaration

( ) I would like to apply for Table 1 stable chronic conditions 

( ) I do not wish to apply for Table 1 stable chronic conditions, age 70- 85

()  $0. Deductible Option requested to age 85. Add 5% to premium.

() $250 Deductible Option, delete 10% to age 85.

Medical Declaration  -to be used  for ages  60-85, must be downloaded, signed and faxed to Ray Battiston . Applicants age 60-85 answering "yes" are not eligible for Table 2 stable chronic condition coverage. Please contact Ray Battiston for further review.   Age 86 plus must complete this Declaration.    

For Visitors  who are already in Canada and have other coverage during the first part of their trip- they can apply under the Special Eligibility Questionnaire to apply to waive the waiting period. Please allow at least five business days for this approval. Proof of other coverage will be required


Address in Canada ___________________________________________________________

Home Address  _____________________________________________________________

Phone Number Residence____________________________________Business______________Fax________________

E Mail__________________________________Web page__________________________

Arrival Date in Canada________________________________

Effective Date___________ Expiry Date ________________Number of days_____________

COVERAGE

________________________________________________________________________________

PLAN  Limit _____# OF PERSONS_____ RATE/PERSON__ NO. of DAYS____ PREMIUM____
Family rate is twice the older adult premium rate and list all Applicants on the App.  A "Family" is defined as three or more of Parent(s), or legal guardian(s) and their unmarried children under Age 21 who are visiting Canada with them and dependent on them for their sole means of financial support.

Premiums paid determines coverage purchased.  Minimum premium of $25.00.  Age means the age on the effective date of the policy.
________________________________________________________________________________

    $10,000._________________  X_____________X___________  =$___________________
    $15,000.__________________x______________x____________=$__________________

   . $25,000.__________________x______________x____________=$__________________
     $50,000___________________x_____________x____________=$__________________

     $100,000.__________________x_____________x____________=$__________________

     $150,000, _________________x______________x____________=$_________________

  
This certificate is an extension of Certificate #________________________________ Total coverage must not exceed 365 days.

__________________________________________________________________________________
DATE OF APPLICATION    DAY MONTH YEAR TIME OF ISSUE          ____________AM/PM

__________________________________________________________________________________
SIGNATURE OF APPLICANT OR SPONSOR

X________________________________________________

PREMIUM PAYABLE TO RAY BATTISTON INSURANCE OR BY VISA OR Master Card

(CIRCLE CHOICE) CARD #________________________________ EXPIRY DATE_________

SIGNATURE OF CARDHOLDER X___________________________                                     NAME of cardholder__________________

CREDIT CARD PAYMENT PLEASE FAX TOLL FREE IN NORTH AMERICA TO RAY BATTISTON 1-866--614-8753 begin_of_the_skype_highlighting 1-866--614-8753 FREE  end_of_the_skype_highlighting or scan e mail.

x_____________________________________________
Medical Declaration This app can  be used for applying for chronic conditions coverage ages 60-85. The new Medical Declaration is not yet available.  However, the questions do not change other than the addition of the word “congestion” before “heart failure” in Question 1.  We will now ask about “congestive heart failure”, which is a much more specific medical problem.  Also, it will now be used for Stable Chronic Condition coverage up to age 85 and ANY coverage age 86 and over.

For age 86 plus, if there are any "yes" answers on the Medical Declaration, no coverage of any kind is available form 21st Century.

For visitors who have been in Canada over 30 days, or have let their Manulife policy lapse longer than 3 days  there will be an additional waiting period on sickness as outlined in the policy wording.


EXTENSION REQUESTS SHOULD BE MADE PRIOR TO EXPIRY FOR CONTINUED INSURANCE.  EXTENSION PREMIUMS ARE NOT GUARANTEED.


MINIMUM POLICY OR EXTENSION PREMIUM IS $25.00 PER POLICY  (Family rate-double highest single)

Full Policy Wording on  policies purchased on or after  July 14 2014

Visitors to Canada Medical declaration-for chronic care application age 60-85, and all ages 86 and over for table 2 rates (new conditions only) Visitors Medical Declaration, 60-85

Visitors Claims Form: Claim Form

Cancellation requests:

CANCELLATION REQUESTS ARE CONSIDERED PROVIDED NO CLAIM HAS TAKEN PLACE AND THERE IS MORE THAN $25.00 IN PREMIUMS PAID IN ADVANCE.  21ST cENTURY REQUIRES PROOF OF DEPARTURE, OR PROOF OF cANADIAN GOVERNMENT INSURANCE WITH A LETTER STATING CANCELLATION DATE REQUEST AND CLAIM WILL NOT BE FILED. tHIS SIGNED LETTER  AND PROOF CAN BE FAXED OR SCANNED AND E MAILED TO US. 21ST. CENTURY CHARGES A $25.00 CANCELLATION PENALTY FOR EARLY POLICY CANCELLATIONS.
______________________________________________________________________________________
Disclaimer: This is a brief description only. Refer to actual policy wording for full details. Policy is not in force until counter signed and issued by Ray Battiston, Insurance Broker
 


Phone toll free in North America 1-800-526-7420     EMAIL:mailto:Ray@IceColdNorth.com

Insurance Plans sold: "Per Trip" and multi trip Out of Canada Medical Insurance, Visitors Medical Insurance Plans, Air Flight Accident, 24 Hour Accidental Death & Dismemberment, Baggage, Trip Cancellation and Interruption, Expatriate Medical, Rental Vehicle Damage, Group, Dental, Extended Health.

Contact me today  for personal service on your Travel Medical, Visitors and Expatriates Insurance requirements

Ray Battiston, BA, CAIB, CIP  Canadian Travel Medical Insurance Broker
Box 510 7 Red Haven Drive St Davids On L0S 1P0 Canada
1-800-526-7420 Toll Free North America
Business: 1 -905-262-6575
FAX  1-8666-14-8753
Ray@IceColdNorth.com

 Business Hours: 9 am: 5 PM Mon-Friday EST.  Closed holidays.  We cannot promise, but we may be able to return calls on holidays and weekends if we are available.

I
                                            ... 
 
 

Disclaimer: Please refer to policies for complete details. It is recommended you speak with a qualified Insurance Broker prior to purchase. On line policy information is available for your  personal research. Call us or e mail us first before making your buying decision!


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