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That's a nice law. In Canada, most aspects of medical insurance are single payer, but other aspects (like out-of-country travel medical insurance) give too much
by smnrchrds 5y ago
That's a nice law. In Canada, most aspects of medical insurance are single payer, but other aspects (like out-of-country travel medical insurance) give too much latitude to the insurance companies. If you make any false statement when applying for insurance, when you try to use your insurance, the company will refuse your claim and declares the policy null and void. For example, theoretically, if you don't disclose even the smallest details (e.g. that you had a chest x-ray done 10 years ago that did not show any abnormality), and then you get something completely unrelated, like getting stabbed during your travel and have to go to the hospital, the insurance company can and will refuse to pay out. It's ridiculous.
https://www.cbc.ca/news/canada/british-columbia/retired-couple-billed-50-000-despite-travel-insurance-1.1056603 https://www.cbc.ca/news/canada/british-columbia/retired-coup...
https://www.cbc.ca/news/canada/british-columbia/hefty-medical-bills-rejected-by-travel-insurance-firms-1.1407701 https://www.cbc.ca/news/canada/british-columbia/hefty-medica...
- sudosysgen 5y agoIt does depend on the province. In Québec some travel medical care is covered by the state.
- smnrchrds 5y agoTechnically yes, but practically no. The difference between paying nothing out of a 100k hospital bill and paying 1k out of a 100k hospital bill is approximately the whole bill. > We reimburse, at pre-set rates, the cost of hospital services received as a result of a sudden illness or an accident, as follows: > * a maximum of CA$100 per day for hospitalization > * up to CA$50 per day for healthcare received at a hospital outpatient clinic At those rate, I wouldn't even bother submitting the forms to RAMQ for reimbursement. https://www.ramq.gouv.qc.ca/en/citizens/absence-quebec/know-which-services-are-covered-outside-quebec https://www.ramq.gouv.qc.ca/en/citizens/absence-quebec/know-...
- sudosysgen 5y agoActually in most of the world this is not so bad at all. It's insufficient in the US or many third world countries, but if I were to fall ill in, say, Africa or South East Asia (+China) it would be pretty good.