Health insurance or critical illness!
Think about your recovery
without worrying about expenses!
What is the purpose of health insurance?
Health insurance or medical coverage aims to protect you against significant expenses related to medical needs in the event of illness, accident, or hospitalization.
By purchasing such a policy, you can fully focus on your recovery without having to worry about the financial burden of medical care.
Assurance Gatineau assists many residents of Gatineau and Ottawa in finding the best health insurance coverage. We take into account various factors such as age, health status, income, and family situation to help you choose suitable coverage. Our goal: to provide you with personalized and affordable protection.
Additionally, Assurance Gatineau offers no-medical-exam options for a simple and quick application process.
For more information on health insurance in Quebec and Ontario, feel free to contact us at 819-663-7535 or use our contact form to schedule an appointment.
HOW TO CHOOSE HEALTH INSURANCE?
Subscribing to health insurance is a crucial step in protecting your well-being and that of your family. This decision deserves careful thought, as it can significantly impact your finances and peace of mind.
To find the best health insurance, it is essential to consult an insurance broker such as Michel Birkner at Assurance Gatineau. With his expertise, he can guide you and explain the various aspects and benefits of health insurance.
It is wise to subscribe to health insurance as soon as possible because the younger and healthier you are, the lower the cost of your insurance will be.
When shopping for health insurance consider expenses not covered by your provincial health system, such as:
- Consultations with psychologists or physiotherapists,
- Dental care,
- Vision care,
Certain medical equipment and medications, etc.
These expenses can add up quickly. A good health insurance plan helps you manage these costs without compromising your budget.
By considering these factors and working closely with your experienced insurance broker at Assurance Gatineau, you can choose a plan that suits your needs and those of your family.
What are the different types of health insurance?
Exploring health insurance options, you will discover a variety of coverage tailored to different needs. Your insurance broker at Assurance Gatineau, Mr. Michel Birkner, is here to guide you and explain the various policies and coverage available based on your specific needs and health status in Outaouais or Ottawa. With his advice, you can choose the health insurance that best suits you while saving time and energy.
Depending on your circumstances, you can opt for health insurance with or without a prior medical examination.
To learn more about the different health insurance options and discuss your needs, call us at 819-663-7535 or use our contact form to schedule an appointment.
Without being exhaustive, here are some of the main health insurance coverage subscribed to by Canadians:
Critical Illness Insurance
By subscribing to critical illness insurance, you receive an agreed lump sum payment once a covered illness diagnosis is confirmed. This lump sum payment is tax-free and can be used at your discretion, without any justification of expenses.
This insurance covers a wide range of serious illnesses. You can even customize the number of illnesses covered and designate eligible beneficiaries.
Contact your insurance broker at Assurance Gatineau for advice on choosing this insurance based on your needs.
Long-Term Care Insurance
According to the Canadian Life and Health Insurance Association (CLHIA), by 2036, 25% of the population will be over 65, and nearly one million Canadians will suffer from dementia.
Regardless of your age, there may come a time when you're no longer able to take care of your daily needs. That’s where long-term care insurance comes in.
This coverage helps finance home care or residence-based care that is not covered by the public healthcare system. These costs are often high and mostly fall on you.
By subscribing to long-term care insurance, you can cover the costs associated with this care and protect yourself from potential financial difficulties.
Feel free to contact your insurance broker at Assurance Gatineau at 819-663-7535 for advice on this form of insurance or use our contact form to schedule an appointment.
Disability and Salary Insurance
Disability and Salary Insurance: Whether you are a salaried employee without collective disability and salary insurance, an entrepreneur, or self-employed, disability and salary insurance allow you to protect your monthly income for a predefined period in the event of inability to work due to illness or accident.
By subscribing to this insurance, you can determine a lump sum monthly amount to receive in case of inability to work, allowing you to cover not only your current expenses but also the repayment of your loans or rent.
Each disability and salary insurance policy defines a maximum lump sum amount to be paid to the beneficiary. Benefits received are not taxable, thus providing additional financial security in difficult times.
For personalized advice on disability and salary insurance and to choose the best option for you, contact your insurance broker at Assurance Gatineau at 819-663-7535 or use our contact form to schedule an appointment.