Medical care further to an accident insurance at $7 per month

Extended Medical Care Further to an Accident insurance provides additional coverage for medical expenses resulting from accidents. It covers medical expenses that exceed the limits of OHIP such as medical treatments, hospital stays, prescription medications, medical equipment, and other necessary healthcare services related to the accident.

How Acci 7 PLUS Extended Medical Care Further to an Accident insurance works

This coverage reimburses medically necessary expenses incurred in Canada after the accident. Expenses must have been incurred within 12 months of the date the accident took place. The lifetime limit for reimbursement of expenses is $100,000. Examples of expenses covered include: hospitalization, ambulance, private home care, laboratory analysis, equipment rental, professional fees (physiotherapist, chiropractor …), etc.

What does it cover?

The coverage provided by the Extended Medical Care Further to an Accident plan typically includes the following:

• Medical treatments: Expenses related to medical treatments, including surgeries, consultations with healthcare professionals, physiotherapy, chiropractic care, and rehabilitation services.
• Hospitalization: Coverage for hospital stays, including room charges, nursing care, and other hospital services required due to the accident.
• Prescription medications: Reimbursement for prescription medications prescribed as a result of the accident.
• Medical equipment: Coverage for the rental or purchase of medical equipment such as crutches, wheelchairs, braces, and prosthetics needed due to the accident.
• Diagnostic tests: Expenses related to diagnostic tests such as X-rays, MRIs, CT scans, and laboratory tests required for assessing and treating injuries sustained in the accident.
• Ambulance services: Coverage for ambulance transportation to and from medical facilities in emergency situations resulting from the accident.
• Dental care: Coverage for dental treatments required as a result of an accident, including dental surgery, repairs to damaged teeth, and other necessary dental procedures.
• Travel expenses: Some policies may include coverage for transportation expenses incurred for medical treatments related to the accident, including travel to specialized healthcare facilities if necessary.

Advantages of Extended Medical Care Further to an Accident insurance:

• Non-taxable benefits
• No medical exam required
• Affordable: just $7 per month per coverage unit, regardless of your age, gender or employment status
• Accessible to all: from 0 to 74 years old at the time of enrolment and up to 80 years old for the duration of the coverage.

It’s an ideal solution if you are:

• Looking for affordable, accessible coverage that’s fully customizable
• Looking to supplement your group insurance, for example, by adding accidental fracture coverage
• A manual worker with a high risk of injury, and have trouble getting disability insurance
• Someone with a precarious medical condition, and have been refused for individual insurance, or are afraid you will be
• A new immigrant to Canada, looking for affordable accident insurance
• Recently retired and no longer eligible for your health insurance plan
• Unemployed, because Acci 7 PLUS is even offered to people who aren’t working!

Ontarians have OHIP. Why to pay for accident insurance?

While Ontario residents are covered by the Ontario Health Insurance Plan (OHIP) for basic medical services, there are several reasons why having Extended Medical Care Further to an Accident insurance can still be important:

• Coverage gaps: While OHIP covers many medical services, it does not cover all expenses related to accidents, such as ambulance transportation, prescription medications, physiotherapy, chiropractic care, dental treatments, and medical equipment. Extended Medical Care Further to an Accident insurance fills these coverage gaps, ensuring that individuals have access to a broader range of healthcare services and treatments without facing significant out-of-pocket expenses.
• Additional benefits: Accident insurance policies often offer additional benefits beyond medical coverage, such as coverage for lost income due to disability resulting from an accident, coverage for accidental death and dismemberment, and reimbursement for travel expenses related to medical treatments. These additional benefits can provide financial security and peace of mind in the event of an accident.
• Fast access to care: Accident insurance typically provides coverage for private healthcare services, allowing individuals to bypass waiting times for certain medical treatments and procedures that may be longer under the public healthcare system. This can be especially important for non-emergency medical services that individuals may need urgently following an accident.
• Protection against high costs: Even with OHIP coverage, the out-of-pocket costs associated with an accident can be significant, especially if the individual requires specialized medical treatments, extended hospital stays, or long-term rehabilitation services. Accident insurance helps protect against these high costs by providing additional financial support for necessary healthcare services.
• Comprehensive coverage: Accident insurance policies can be tailored to meet individual needs and preferences, allowing individuals to choose coverage options that best suit their lifestyle and budget. This flexibility ensures that individuals have access to comprehensive coverage that meets their specific healthcare needs in the event of an accident.

While OHIP provides basic medical coverage for Ontario residents, having Extended Medical Care Further to an Accident insurance can still be important for ensuring comprehensive coverage and financial protection in the event of accidents.

By filling coverage gaps, providing additional benefits, offering fast access to care, protecting against high costs, and offering comprehensive coverage options, accident insurance plays a valuable role in safeguarding individuals’ health and financial well-being.

In summary, Extended Medical Care Further to an Accident insurance provides additional financial protection by covering medical expenses beyond the basic coverage offered by health insurance or accident insurance plans. It ensures that individuals have access to necessary medical treatments and services in the event of an accident, helping to alleviate the financial burden associated with unexpected healthcare costs.