Pre-existing Condition

[virajpandit]

Hi,
My father has cancer diagnosed in 2009 (& metastasized in 2018) with chemo etc treatment is completed. If he gets Canadian PR (Corrected) and later needs a treatment, then:
1. does the medical system in Canada cover his treatment?
2. If yes, is there a deductible amount after which it starts to cover
3. Is there a cap on the amount beyond which he/his support (me) would be responsible for the expenses?
4. Is there a kick-in period i.e. after getting PR, he is not covered until X months
5. Is it advisable to cover his with any additional insurance? I doubt I have options to pick from but if there are, which ones should I explore that cover pre-existing conditions?
Please help by commenting as much relevant information as possible.
THANKS!

 

[scylla]

Hi,
My father has cancer diagnosed in 2009 (& metastasized in 2018) with chemo etc treatment is completed. If he gets Canadian VISA and later needs a treatment, then:
1. does the medical system in Canada cover his treatment?
2. If yes, is there a deductible amount after which it starts to cover
3. Is there a cap on the amount beyond which he/his support (me) would be responsible for the expenses?
4. Is there a kick-in period i.e. after getting PR, he is not covered until X months
5. Is it advisable to cover his with any additional insurance? I doubt I have options to pick from but if there are, which ones should I explore that cover pre-existing conditions?
Please help by commenting as much relevant information as possible.
THANKS!

By visa I assume you mean permanent residency. Note that he will need to pass a medical in order to be approved for PR and can be refused if IRCC has concerns he may be a burden to Canada's health care system.

1. yes
2. no
3. no
4. plan on 3 months after the time he arrives in Canada as a PR
5. there are things like prescritpion drugs and other items that won't be covered by the provincial health care system - you'll either need private insurance for these or will need to pay for them out of pocket.

 

[virajpandit]

Thanks for the response. Yes, I corrected, I meant PR...
Please list a few private insurance options for me...

 

[virajpandit]

Follow-up questions:
(A) Is there a place where there is some historic information about which diseases at which stage got typical rejection and what is the rate of acceptance by the IRCC? If we know that it is a guaranteed rejection, then we won't make him travel all the way to Canada at an old age just to get a reject...
(B) Maybe IRCC has published guidelines saying these diseases at these stages are automatic rejection. Thus reducing the burden on applicants (and on their system)?
(C) We are really hoping that he gets a PR. Are there things we can do to improve the chances if he were to get selected?
THANKS again!

 

[bluffmaster88]

Follow-up questions:
(A) Is there a place where there is some historic information about which diseases at which stage got typical rejection and what is the rate of acceptance by the IRCC? If we know that it is a guaranteed rejection, then we won't make him travel all the way to Canada at an old age just to get a reject...
(B) Maybe IRCC has published guidelines saying these diseases at these stages are automatic rejection. Thus reducing the burden on applicants (and on their system)?
(C) We are really hoping that he gets a PR. Are there things we can do to improve the chances if he were to get selected?
THANKS again!

There is no list of diseases deemed to be rejected by default. If the estimated cost of treatment over next 5 years is below the cut-off amount, the file will be aapproved.The cost calculation will be based on nominal cost in Canada. There is not much you can do to get medicals approved.

https://www.canada.ca/en/immigratio...te/publications-manuals/excessive-demand.html

 

[scylla]

Follow-up questions:
(A) Is there a place where there is some historic information about which diseases at which stage got typical rejection and what is the rate of acceptance by the IRCC? If we know that it is a guaranteed rejection, then we won't make him travel all the way to Canada at an old age just to get a reject...
(B) Maybe IRCC has published guidelines saying these diseases at these stages are automatic rejection. Thus reducing the burden on applicants (and on their system)?
(C) We are really hoping that he gets a PR. Are there things we can do to improve the chances if he were to get selected?
THANKS again!

A) This information isn't published. If he is refused, this will happen before he is approved for PR and before he travels to Canada. There is no need for him to travel here to go through the sponsorship process.
B) This level of detail is not published.
C) He needs to be pass the medical. IRCC needs to be convinced that any medical benefits he may need for the next 5-10 years will fall below $20,000 per year in cost to the health care system.

 

[virajpandit]

THANKS! I will discuss your inputs with the family members..
THANKS AGAIN!

 

[canuck78]

THANKS! I will discuss your inputs with the family members..
THANKS AGAIN!

Is he still being treated for cancer (non-chemo) or not being treated but still has canncer? You said it returned and had metastisized. He should be prepared with information from his oncologist at his medical.

 

[virajpandit]

He got the chemos done and is now on fairly cheap pills taking them at home. Yes the cancer is present and it is well known that it won't go away... What kinds of information can we prepare? The oncologist is in India. We have receipts for the current medication he is taking...

 

[canuck78]

He got the chemos done and is now on fairly cheap pills taking them at home. Yes the cancer is present and it is well known that it won't go away... What kinds of information can we prepare? The oncologist is in India. We have receipts for the current medication he is taking...

You have to research the cost of medication in Canada along with treatment and monitoring for his terminal cancer even though it is essentially being treated as a chronic condition at the moment. Medical costs in India tend to be much lower than in Canada. His oncologist in India should write a letter including his diagnosis, past and current therapies, prognosis, etc.

https://www.formulary.health.gov.on.ca/formulary/