March, 2020 - Part 3

Archive - March 2020

Overseas medical coverage options in the wake of coronavirus

overseas medical insurance

overseas medical insurance

Medical coverage for traveling overseas is a major consideration. It’s especially so with the current coronavirus menace. If you are traveling on a visitor visa you must ensure that your travel plan includes medical coverage.

There is good news for travelers going overseas. Travel insurance policies with emergency medical and evacuation coverage are still available. This is despite the doubts about insurers and brokers withdrawing the facility in the wake of coronavirus.

Travel insurance providers are still offering coverage for medical emergencies on trips abroad. Travelers going abroad are preferring taking medical coverage than canceling their trips. They are looking for comprehensive travel insurance policies. Such policies are expected to cover medical exigencies as with coronavirus.

But many travelers are concerned. This is because many insurers are currently excluding the coverage for coronavirus-related emergencies. Among the rest of them, there are those who give case-by-case coverage. It is up to the traveler to ensure what extent of coverage the insurance provider is offering.

There are 2 types of travel insurance policies that are generally offered:

  • Comprehensive travel insurance or
  • Travel medical

Both policies offer emergency medical coverage. The stipulations could be in effect though, as with limitations on canceling trips.

Travelers could also get medical expenses covered if coronavirus infects them while traveling. But getting such benefits is tough for travelers in certain cases. This happens when airlines and emergency medical evacuation providers restrict or deny them. In such a situation, travelers better know the risk status of the locations they are planning to visit.

For those concerned with travel insurance prices, there’s a relief. This is because regulations do not allow an unfair increase in such prices. It’s advised that travelers avoid traveling overseas without emergency medical coverage. Many such coverage policies serve as primary insurance without any deductibles.

Medical coverage of at least $50,000 is recommended for international trips. For evacuation, coverage of at least $100,000 is best. If the trip is to a very remote place or on a cruise ship, it’s advised to increase the coverages to $100,000 and $250,000.

If travelers want an alternative for comprehensive coverage, they could try medical-only plans. These plans give a similar or even expanded range of emergency medical benefits. Such policies cost much lesser than the comprehensive ones. But they may not compensate policyholders for matters like delays, lost luggage or trip cancellations.

A comprehensive plan and medical plan differ in basic aspects. The former considers the total trip cost. The latter considers age and travel duration. Both travel insurance plans usually cover emergency medical and dental care. Dental care services are available only for dental accidents. They are not applicable to routine dental checks.

There are plan providers who offer 24-hour assistance. They offer translation services and medical referrals. They also offer prepayment to foreign medical providers, if enough advanced notice is given. These services may be offered at an extra cost.

If you are looking to Study, Work, Visit, Invest or Migrate overseas, talk to Y-Axis, the World’s No.1 Immigration & Visa Company.

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Manitoba’s latest draw furthers its legacy in migration

Manitoba Draw

Manitoba Draw

Manitoba is a major provider of opportunities for skilled immigrants. Its provincial draw is a program aimed at bringing in talents to fill the province’s human resource requirements.

Manitoba’s latest provincial immigration draw held on February 27, 2020, invited 217 candidates. These candidates can apply for a provincial nomination for Canadian permanent residence.

The international migration of skilled workers benefits Manitoba greatly. The latest draw was the 84th Expression of Interest under the Manitoba Provincial Nominee Program (MPNP). The invitations are also known as Letters of Advice to Apply (LAAs). These candidates had expressed their willingness to settle in Manitoba.

The LAAs were sent to 3 streams of candidates.

  • Skilled Workers Overseas – 24 invitations
  • Skilled Workers in Manitoba – 161 invitations
  • International Education Stream – 32 invitations

Out of the 217 candidates, 20 who received invitations had their profiles in the Express Entry System. The Express Entry candidates were meant for 3 economic class immigration programs that are:

  • Federal Skilled Worker Program
  • Canadian Experience Class
  • Federal Skilled Trades Program

The Comprehensive Ranking System (CRS) scores given to the candidates were based on age, education, work experience, and language skill. The added advantage of 600 points to the overall CRS score was also applied. This gave them the guaranteed result of receiving an Invitation to Apply (ITA).

For Express Entry candidates in Manitoba, it is necessary to have eligible work experience in an in-demand occupation of the province. They also need to submit a separate EOI to the MPNP.

What is EOI?

For candidates to receive an invitation for a provincial nomination from Manitoba, they must register an Expression of Interest (EOI) with the MPNP. The categories under which they can do it are Skilled Workers in Manitoba and Skilled Workers Overseas

Through the EOI, the profiles of candidates are generated. The maximum score for each candidate is 1000. The points are scored based on:

  • Work experience
  • Candidate’s education
  • English or French skill
  • Connections to Manitoba

The candidates who score high will get the LAAs. The candidates can then apply for a provincial nomination for permanent residency in Manitoba.

The lowest score for Skilled Workers in the Manitoba stream was 499. The lowest for the Skilled Workers Overseas stream was 707.

If you are looking to Study, Work, Visit, Invest or Migrate to Canada, talk to Y-Axis, the World’s No.1 Immigration & Visa Company.

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