I have long been suspicious of health insurance plans of any sort. Even short term health insurance for travel seems to be written in such a way that it is weighted quite firmly in favour of the insurer than the insured.
Recently, three cases in Canada came to light that underscore the point.
“They hold all the cards in their hand. It’s a poker game, and I don’t think we are the winners,” said Jean Tetiuk, of Toronto, whose $12,000 claim was rejected by CIBC.
In each case, the medical emergencies abroad had nothing to do with any pre-existing conditions they were asked about.So, if you had some obscure "pre-existing condition" that you had forgotten about or didn't answer the booby trap questions on the questionnaire correctly for them, your insurance is null and void?
CIBC later refused to pay, because Peixoto filled out a CIBC questionnaire — sent to her after she returned from her trip — answering that she had not been treated for a heart condition. Before buying the policy, she had only answered health questions over the phone.
Records show she was tested for heart problems in 2011, after she had pain in her arm, but doctors found nothing significant. Because of those tests, CIBC said Peixoto should have answered yes to the heart condition question.
“I was never treated for a heart condition. I never had a heart condition. I’ve been tested and different things but I never had a problem before. And I still don’t have a heart problem,” said Peixoto.This is nothing more than the insurers playing semantics. They are hiring teams of lawyers and very carefully constructing questions using language that has specific meanings in the legal world and most ordinary people would understand it to mean something quite different.
This kind of semantic game is up there with the "pre-existing condition" escape clause that every health insurer out there likes to play. If you have a long term need for medication of some sort, hope like hell you aren't going to have to change insurers along the way - because there goes your coverage.
And Harper has begun the process of dismantling our national health care system, which will subject more and more Canadians to this kind of chicanery at times when they need help the most.
Corporate greed knows few bounds, and is usually only bounded by laws. When it comes to health, there are more ways to weasel out of providing coverage that they have committed to, and it will always be at the expense of the individual.
If insurance companies are playing games like this with travel insurance coverage, can you imagine what will happen when Harper hands over the keys to medicare to them?