Obtaining form insurance AFTER injury?
My brother is an international student in Halifax (NS, Canada). He graduated from his English course concluding week and so his health insurance expired then and nearby. He had three weeks till he goes stern home to his country, however he got himself badly injured and have to undergo surgery for a broken cheekbone. The medical bill will be around $3000 and he has no vigour insurance to help him out.
We're not sure how to appraoch this - $3000 is too much and we're thinking: Is it possible to obtain interim health insurance for him now to lend a hand us pay for his surgery?
Any information would be much appreciated. Thanks.
Answers:
That would be the same as me taking out a life insurance policy on my husband a week after he dies. You can't catch coverage after the fact. Sorry
That's not how insurance works.
You purchase and recompense insurance premiums because of the risk of future events. Not to cover things that already happened.
What you're asking is close to trying to purchase homeowners insurance after your house has burned down.
Sorry. He'll have to investigate other methods of financing his medical aid.
At his age, there is no insurance policy i.e. going to pay for a surgery needed before the policy be taken out.
His best bet is to talk to those he does/will owe money to and see what kind of option they can offer him.
Good luck.
Nope. It's already happened.
He's going to own to enter into a payment plan to repay this, even if it takes him a year or so.
All within all, $3,000 is CHEAP for surgery. It's way smaller number than a car. It shouldn't take him long to compensate it back. Source(s): agent, 21+ years
Companies require up to a 12-month waiting period on pre-existing conditions.
And there's no opening you could get a company to pay for surgery that have already happened.
Check with the previous insurer and the Health Insurance Portability and Accountability Act; within may be some COBRA coverage that could kick in.
Related Questions:
We're not sure how to appraoch this - $3000 is too much and we're thinking: Is it possible to obtain interim health insurance for him now to lend a hand us pay for his surgery?
Any information would be much appreciated. Thanks.
Answers:
That would be the same as me taking out a life insurance policy on my husband a week after he dies. You can't catch coverage after the fact. Sorry
That's not how insurance works.
You purchase and recompense insurance premiums because of the risk of future events. Not to cover things that already happened.
What you're asking is close to trying to purchase homeowners insurance after your house has burned down.
Sorry. He'll have to investigate other methods of financing his medical aid.
At his age, there is no insurance policy i.e. going to pay for a surgery needed before the policy be taken out.
His best bet is to talk to those he does/will owe money to and see what kind of option they can offer him.
Good luck.
Nope. It's already happened.
He's going to own to enter into a payment plan to repay this, even if it takes him a year or so.
All within all, $3,000 is CHEAP for surgery. It's way smaller number than a car. It shouldn't take him long to compensate it back. Source(s): agent, 21+ years
Companies require up to a 12-month waiting period on pre-existing conditions.
And there's no opening you could get a company to pay for surgery that have already happened.
Check with the previous insurer and the Health Insurance Portability and Accountability Act; within may be some COBRA coverage that could kick in.
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