What do the medical conditions on the MEDICAL
DECLARATION for Visitors to Canada mean?
1. DEMENTIA means a general decline in all areas of mental
ability. People are familiar with Alzheimer Disease, but there
are a host of other conditions that can result in dementia.
It occurs in roughly 10% of people over age 65 and rises to
20% in the over age 75 group. Common causes include circulatory
problems which are more common in people with diabetes, hyperlipidemia
(high cholesterol), hypertension (high blood pressure) and
are often the result of chronic circulatory insufficiency
or stroke. Other causes are brain trauma, brain tumors, infection,
alcoholism and severe hypothyroidism.
Symptoms include loss of the ability to remember
new or recent events, while often maintaining the ability
to recall remote or past details. Another symptom may be sudden
emotional outbursts or exhibiting behavior that might normally
embarrass a person.
Dementia may be associated with depression.
Alternatively some people who are very depressed may appear
to be demented.
2. CONGESTIVE HEART FAILURE means the heart
no longer is able to meet the body need for blood because
it is pumping inefficiently. It can be related to hypertension
(high blood pressure), anemia (low blood count), hyperthyroidism
(too much thyroid hormone), heart valve problems, arrhythmias
(irregular heart rhythms), coronary artery disease (angina
or previous heart attack), cardiomyopathy (diseases of heart
muscle), conditions that prevent circulation through the lungs
like chronic bronchitis, emphysema as well as other disorders.
Symptoms of Heart Failure may include: fatigue,
lack of energy, shortness of breath (with or without exertion
or exercise), wakening at night with breathlessness, wheezing,
coughing or sweating and swelling of the ankles or legs.
3. CHRONIC OBSTRUCTIVE PULOMONARY DISEASE (COPD)
or Chronic Obstructive Lung Disease (COLD), Chronic Bronchitis,
Emphysema are lung problems that are associated with tobacco
smoking, exposure to some environmental or workplace substances
and in some cases chronic asthma. Symptoms include recurrent
cough, shortness of breath and fatigue.
4. OSTEOPOROSIS is a condition that results
in loss of the elements that make bones strong. As a result
the bones may become brittle and that can result in broken
or fractured bones even with very minor trauma. Osteoporosis
is a normal part of aging but not all people lose bone strength
at the same rate. Women tend to be affected more than men.
In addition to old age, and in women estrogen deficiency associated
with menopause, other causes of osteoporosis include long
term use of corticosteroids (cortisone for conditions like
asthma, chronic bowel disease, arthritis), Cushing Disease
(overactive adrenal glands) and prolonged immobility/bedrest.
It is more common in heavy smokers and drinkers as are chronic
bronchitis and emphysema.
In many cases the first symptom of osteoporosis is a broken
bone, often after a fall that you normally might not think
would have caused a fracture. The bones most commonly fractured
are the forearm/wrist, the hip and the spine bones (vertebrae).
Sometimes a spine bone will kind of crumble or become compressed.
This can lead to a progressive loss of height and if nerves
are irritated back pain.
On the Visitor to Canada plan, What is an Aggregate
Please make sure you indicate the Aggregate Policy Limit when
completing the Application. Each person insured under the
policy is entitled to claim up to a maximum of the policy
limit (including each insured under family coverage). You
cannot select different limits for different insureds under
the policy. If different limits are required, separate policies
should be written.
On the Visitor to Canada plan, does an insured
age 70-79 who is completely healthy have to pay the higher
Table 2 rates for Stable Chronic Condition coverage?
No, someone in this age group who is in good health and has
no chronic conditions can choose to waive Stable Chronic Condition
coverage if he does not feel he needs it. When completing
the application, the agent must check the appropriate box
on the application to waive this option.
CAUTION: When this option is waived, there is
NO COVERAGE for pre-existing conditions whether they are stable
or not. We DO NOT recommend that this option be waived if
the applicant is taking any medications or receiving any treatment.
Of course, applicants in this age group who cannot answer
"NO" to both questions on the Medical Declaration
have no choice but to waive the Stable Chronic Condition option
because they are not eligible for it.
How can I request a premium refund?
You can request a premium refund by faxing or mailing to our
>A copy of the insurance policy
>Confirmation* of early return or reason for cancellation
* examples of "confirmation" include
a photocopy of airline ticket, a signed letter from the insured
or the sponsor, or confirmation that the insured has obtained
Provincial Plan coverage.