Moving to Canada Forums

Real Estate in Toronto & Canada Relocation Expert

KaiserChief — Sun Jun 21, 2009 12:27 am

Author: KaiserChief

Posted: Sun Jun 21, 2009 12:27 am

James

Why dont you network with me, instead of being so by the book?

I work with people moving here and would be happy to refer them to you for temporary stay.

Im only here to offer my help, and yes it is advertising, but If I wouldnt be accepted on this forum, I would have no issue offering my assistance elsewhere.

Where to live in Canada?

stevegeorge — Mon Jun 08, 2009 8:02 am

Author: stevegeorge

Posted: Mon Jun 08, 2009 8:02 am

Hi,

Toronto is a nice place, My suggestion is that you can contact any real estate agent so that he will guide you properly for this.

HOUSING IN CANADA

jamescruz — Mon Jun 01, 2009 6:29 am

Author: jamescruz

Posted: Mon Jun 01, 2009 6:29 am

I have never heard of Real Estate prices coming down ever. Recession or no recession few things never change.

www.nikeconfluence.com cheap sell cheap brand clot

ncfsite86 — Sat May 23, 2009 9:51 pm

Author: ncfsite86

Posted: Sat May 23, 2009 9:51 pm

We are a foreign trade company that wholesales all kinds of brand shoes and clothing. Such as Nike jordan,Dunk, Nike shox, Air max, Air force one, Adidas, Puma, Gucci, Prada, Bape, Timberland shoes, t-shirts,jeans, shorts and so on. Reliability is our strong point. And we can offer all COLORS and all SIZES. If you do business with us, you will be never worried about the quality. All products are top quality with original packing. You can rest assured. Our price is for wholesale, so ours is more favourable. To a certain extent, our price depends on how large your order is. So when you do business with us , you will find how good the quality is , and how reasonable the price is! Come on, why not do business with us. Any question please contact us.

Магия VooDoo

cymnHooto — Mon Mar 09, 2009 8:23 pm

Author: cymnHooto

Posted: Mon Mar 09, 2009 8:23 pm

Я вообще никогда заклинания вуду не верила вуду в самые разные voodoo сверхъестественные штучки, в первую очередь тогда, когда кто-то рассказывал, что на меня саму направлено некое заклинание или порча. Все-таки вудубуквально почти месяц назад мы с подругой решили все-таки обратиться к колдунье. Меня, собственного говоря командировали туда просто так. религия вудуЧем черт не шутит - подумала про себя я - пришла моя очередь узнать свою судьбу. гадание
Когда мы пришли к вещунье, гадалка почти сразу обратилась ко мне с такими словами: "Ой, девочка, не судьба прожить тебе дольше одного месяца на земле...". Разумеется кроме простой улыбки у меня это заявление ничего попросту не вызвало. Тем не менее старушка продолжила свое невеселое повествование: порча вуду"Наколдовали на тебя, доченька
самое злое проклятье - душа у тебя уже почти одной ногой на той стороне... и род свой ты уже не сможешь продолжить из-за того же...". Врачи мне уже почти как 3 года назад сказали о том, что я никогда не смогу иметь детей, но все же гадание вуду как ясновидица смогла узнать о моем состоянии - все-таки я скрывала это в строжайшей тайне и ни кому, ни маме, ни папе, ни подругам порча вуду не рискнула сказать о своей беде.
После всего произнесенного вещунья сняла с полки какую-то странную книгу, открыла её и неожиданно для меня совершила непонятный ритуал. Потом порча вуду отвлеклась от ритуала и произнесла, что по принятой традиции стоит сделать жертвоприношение. Я не долго думая, решила быстро прекратить этот сеанс магии магия вуду и мы с подругой ушли от вещуньи, не доведя до конца разговор.
Больше ничего правдоподобного вещунья не сказала нам - как вы считаете, все-таки стоит ли мне верить во все это?
культ вуду

HEALTHCARE IN CANADA

Canada Info — Fri Dec 08, 2006 5:28 am

Author: Canada Info

Posted: Fri Dec 08, 2006 5:28 am

HEALTHCARE IN CANADA

GENERAL

Canada's health care system is regarded as a major contributor to Canada's number one world ranking on the United Nations Human Development Index. Canada has a predominantly publicly financed, privately delivered health care system that is best described as an interlocking set of ten provincial and three territorial health insurance plans. Known to Canadians as Medicare, the system provides access to comprehensive coverage for medically necessary hospital, in-patient and out-patient services.
Social Health Insurance

The system is referred to as a 'national health insurance system' as all provincial/territorial and medical insurance plans are linked at federal level. The management and delivery of health services is the responsibility of each individual province or territory.

Medicare provides a variety of economic benefits. Public financing spreads the cost of providing health services equitably across society. Moreover financing through the taxation process has proven highly efficient since it does not require the creation of a separate collection process.

As there are gaps in the cover provided by the social health Insurance system (e.g. prescription drugs, dental and optical expenses as well as the fees for registered therapists). The role of Private Health Insurance is undoubtedly to bridge these gaps through complimentary Health Insurance benefits supplementary to public plans (extended health care for hospital, medical and other health care expenses, travel/out-of-country, dental and "critical illness" coverage).

The health system relies extensively on primary care physicians who account for about 51% of all active physicians. They act as gatekeepers to the formal health care system, and control access to most specialists.

Canada does not have a system of socialized medicine. Doctors are not employed by the government. Most doctors are private practitioners generally paid on a fee-for-service basis and submit their claims directly to the provincial health insurance plan for payment.

In 1998, total health expenditure in Canada was US $53.4 billion or $1,742 per capita. Health care spending accounted for 9.3% of Gross Domestic Product down from the 1992 level of 10%. Public sector funding represents about 68.7% of the total health budget. The remaining 31.3% is financed privately through supplementary insurance plans and employee sponsored benefits.

It is worth noting that the single-payer attribute of public insurance has enabled the provinces and territories to better control the growth of health expenditures in the public sector than has been the case in the private sector.

In the 1999 Budget, the government announced key steps to bolster health care in Canada. Transfer payments to the provinces/territories for health services will increase by US $7.4 billion from 1999-2004. The investment in the health of Canadians and their health care system represents the largest single new investment ever made by the Government.

DIRECTORY OF HOSPITALS & CLINICS

Alberta Childrens's Hospital
1820 Richmond Road S.W.
Calgary
T2T 5C7
Alberta
Canada
Tel: + 1 403 229 7211
Fax: + 1 403 229 7221

Foothills Medical Centre
1403-29 Street N.W.
Calgary
T2N 2T9
Alberta
Canada
Tel: + 1 403 670 1110
Fax: + 1 403 670 2400

Hopital Maisonneuve-Rosemont
5415, boulevard de l'Assomption
Montreal
H1T 2M4
Quebec
Canada
Tel: + 1 514 252 3400
Fax: + 1 514 252 3853

Lions Gate Hospital
231 East 15th Street
North Vancouver BC
Vancouver
V7L 2L7
Canada
Tel: + 1 604 988 3131
Fax: + 1 604 984 5731

Ottawa General Hospital
501 Chemin Smyth Road
Ottawa
K1H 8L6
Ontario
Canada
Tel: + 1 613 737 6111

Peter Lougheed Centre
3500-26 Avenue N.E.
Calgary
T1Y 6JA
Alberta
Canada
Tel: + 1 403 291 8555
Fax: + 1 403 291 8888

Shouldice Hospital
7750 Bayview Avenue
PO Box 370
Thornhill
Ontario
Canada
Tel: + 1 905 889 1125
Fax: + 1 905 889 4216

St. Michael's Hospital
30 Bond Street
Toronto
M5B 1W8
Ontario
Canada
Tel: + 1 416 360 4000
Fax: + 1 416 864 5870

Women's College Hospital
76 Grenville Street
Toronto
M5S 1B2
Ontario
Canada
Tel: + 1 416 966 7111
Fax: + 1 416 323 6283

Medical Insurance & Health Insurance Guide

admin — Wed Jun 28, 2006 12:54 am

Author: admin

Posted: Wed Jun 28, 2006 12:54 am

Expatriate Insurance, Medical & Health Insurance Guide

For new ex-patriots, leaving our Countries to be based in a developing country, perhaps for some years, it is often a shock to discover that medical treatment of a reasonable quality is just not available, or very expensive, in their new location. Conditions can differ vastly from Baku to Beijing to the Bahamas. Many documented case histories sadly indicate the devastating experience both mentally, physically and financially of falling seriously ill when overseas, can become. Private Medical Insurance when abroad is like a parachute when flying. You may not need one but it better be there, as you and your family would may not survive without one. e.g.: Being evacuated from the Gobi desert, following a car accident resulting in broken bones, coupled to a suspected fractured skull is not an easy matter at any time.

The medical insurance plans you may need are readily available through a worldwide network of specialist Brokers, Independent Financial Advisors, or via the Plan Insurers themselves, who advertise extensively through magazines and expatriate media. Several specialist independent Brokers now have their own websites, offering multiple choices of health insurance plans. The taking of independent advice is always recommended, in order that you not only buy the right plan, but pay premiums appropriate to your new country area. Do not buy a plan without studying the policy wording carefully, particularly underwriting conditions, benefits, etc. If in doubt, ask and then complete all application forms fully, to the best of your ability.

The Premium/Benefit Trade Off

Too frequently, a potential customer or new client will look to lowest price or premium cost comparisons, before really considering the specific benefits and area of cover they may actually need. The ex-patriot client should carefully review benefits of cover offered, check out any limits to that cover and any exclusions made by the insurer. Some plans are cheaper for a reason. Often they include large voluntary deductibles on any claim you might make in future and may severely cap the benefits received under the plan. Cover limits can vary from ?50,000 total cover to as much as ?5,000,000 total cover. Any major operation in the USA or perhaps an organ transplant can soon eat up a " capped cover" plan. Exclusions to the policy should also be read carefully and advice taken from an independent Advisor. Our motto is for clients to "define their needs" first, particular Area of cover they need, then their annual healthcare insurance budget. Then, they should look to premium comparisons, last of all.

Many new entrant expatriate Insurers are taking a much easier line on HIV and AIDS issues as well as offering chronic conditions cover, if such conditions develop during the plan lifetime. Post September 11th 2001, many expatriates are now considering the purchase of income replacement insurance, term life and kidnap insurance, or travel insurance, in addition to their Health Insurance Plans.

Underwriting Terms of Plans

For the individual expatriate or family there are usually only two ways to take out international medical insurance. By means of a "moratorium" application or a "full underwriting" application. It is important to understand this rather jargonised phrases as claims can be rejected if you have inappropriate underwriting. A moratorium plan means that any "pre existing" condition, for which you have had treatment, advice or consultation upon during the last 2,3 or even 5 years in some cases, will be EXCLUDED from cover. Should you then not have any treatment, advice or consultations for such conditions for a further two years, your insurer may add that condition to your policy. Full underwriting applications mean that all medical history questions have to be completed (not needed on a moratorium plan) and that most insurers may then exclude any particular stated condition, which they feel will lead to claims upon them. Full underwriting schemes are a little more complex as sometimes confirmation and clarification letters may be needed from your Doctor in order to have a specific condition covered under your new plan, or for that insurer to offer cover at all (E.g.; HIV or AIDS conditions cover or other long-term endemic/chronic conditions.)

For larger groups of expatriates and large corporate plans, Insurers will frequently offer cover on a "Medical History Disregarded" basis, meaning that a new plan member might even be in hospital for a triple bypass, but still have that condition included in the total corporate plan. Clearly with larger numbers of people in a plan, insurers are prepared to take higher risks and offer lower premiums. Company plans can have premiums some 15% to even 40% less than individual plans, due to the larger numbers of employees and higher annual premium overall, charged by that Insurer.

Vital Questions for the Insurance Provider

1. Does the plan allow for cooling off periods, cancellation and then repayment of premium in full?

2. Does the plan offer "Moratorium or is it "Full underwriting" and do I need to have a medical examination before joining.

3. Does the new Insurer offer a 24 hour help line, 7 days a week, available from anywhere in the World (free phone)? Most Insurers now offer this facility

4. Are my pre-existing conditions excluded when joining and if so, for how long are such conditions excluded?

5. Or all and any Nationalities accepted or are there restrictions applying to local nationals? Some Insurers will only take expatriates abroad and not local nationals into an overseas plan (e.g.: - They may cover six British Nationals in Zambia, not the 100 Zambian local national employees)

6. Does the plan allow you to continue cover unbroken through your lifetime? In most cases insurers will continue to offer existing clients cover year on year, irrespective of age or claims history. I.e.: - Once a customer, you may remain a customer, although premium rates charged can increase dramatically with old age.

7. Does the Insurer allow for any Doctor or Consultant or Hospital within the plan? Are there any restrictions in this respect? Most international plans do not place restrictions on either hospitals or Doctors, but almost all demand that their help lines are called first prior to approval of any inpatient care. (I.e.: pre qualified claim or placing of a bond with a specific hospital by Insurance Company)

8. Does the Insurer provide for direct settlement of bills presented by hospitals worldwide, regardless of location? (Or do I have to pay first?)

9. What are the Insurers procedures for Outpatient claims? Do these require any pre authorization or if stated in the plan can I just pay and claim? How long before I get my money back from the Insurer? (14 days? 28 days?)

The vast majority of expatriate health plans DO NOT exclude certain occupations as do many UK based insurance plans. Expatriate plans do however add to premiums for such as Winter Sports or diving holidays.

Nomenclature, names and Plan Titles

The Product Providers and Insurers delight in launching new plan names with "exclusive" qualities in their brand names over those of their direct competitors. However, international medical insurance plans broadly have three key components, which are in-patient or daycare treatment, outpatient treatment, and then and add-on options.

In this way, a basic or standard plan usually includes in-patient and daycare, but no Outpatient or other cover. Comprehensive plans mostly cover outpatient in addition to the inpatient costs, often with a capped limit, whilst "deluxe" "platinum" or "Premier Plus" plans offer a full cover range of inpatient, daycare, outpatient with routine dental. Possibly maternity, evacuation, personal accident cover and even chronic conditions cover in certain cases. (All the bells and whistles plan) We tend to ignore the names of plans but ensure we have clear ideas of benefits specifically, capping, area of cover and any exclusions, when comparing plans against a clients requirements. For example a USA passport holder living in Paris, who never needs cover in the USA apart from the occasional holiday trip, could take Area 1 European cover, which is often half the price of full world wide cover including the USA. Area 2 is usually described as Worldwide cover excluding the USA or Canada" with Area 3 being the most expensive offering global cover including the USA, all year round

A small travel add-on option can often help with up to 30 days emergency cover in USA or Canada should such be needed. Elective care in USA can also be added for just thirty days a year too, at a substantial discount to full Area 3 cover premiums. Some Insurers now offer modular benefit packages where clients can "pick and choose" benefits, working out their own premiums, at the end of this mix and match.

Emergency, Evacuation and Repatriation

1. Does the Plan include evacuation and repatriation and mortal remains repatriation or are these benefits add on extras?

2. What costs are included in the evacuation or repatriation cover? Some plans only cover travel costs, not accommodation; some plans only give cover one way.

3. Does the Plan cover both your outward journey and pay for you to return from where you started?

4. Does the plan cater for one person or can a business colleague or a family member accompany the Plan holder when travelling for treatment after evacuation? Emergency treatment when abroad can be very stressful at the best of times and being accompanied can be a huge comfort.

Outpatient Costs and General Practitioner Costs

Expatriates with families and small children will know that "Outpatient costs" and visits to the local Doctor are usually the main cost area at home, but particularly whilst abroad. Expats in developing countries are more prone to ill health and most will have at least one or more visits to a GP during a tour of duty. You need to know that GP costs will be fully reimbursed, or that you know the level of deductible, which will be made from any and all outpatient claims. (Each and every claim or an amount, which cumulates annually) Read your Plan carefully.

1. Many Insurers offer a limit or budget Outpatient benefits and these issues should be carefully studied in the new plan. Note any restrictions

2. Check the wording of drugs and dressings offered to note whether "Full Cover" or financial limits are set in the plan.

3. Few plans offer "Elective" or "Well woman " Well man" checks. Most international plans cater for healthcare once the patient has symptoms or is ill. They do not offer preventative checks or Health Checks at the control of the client. (Some larger company plans do offer well man checks)

Outpatient Cover, Complementary Medicine, Dental plan or Routine Maternity plan

If you are able to afford the premiums, Outpatient cover added to in-patient/daycare cover makes sense. In-patient care gives catastrophic cover or a hospital cost cover, but gives no cost cover if you are "walking wounded". A medium range comprehensive plan may well limit the amount you may claim on the Outpatient costs, but a deluxe or fully comprehensive will give Full Cover for this benefit.

Many plans do offer benefit for accidental damage to teeth by accident, but not routine elective dental healthcare Routine Dental treatment is mostly quoted as an optional extra, as is any option to take out routine maternity treatment. Thus, if you break a tooth you are covered but if you visit the dentist for a crown, beware, you may have to pay. Routine maternity care cover can be a valuable part of overseas family planning, yet many women and families overseas, unfortunately only contact their Broker or Insurer when already pregnant. Few Insurers will allow routine maternity costs re imbursement when a woman is pregnant actually taking out the plan. Almost all Insurers will consider an existing pregnancy as a pre-existing condition, but will cover emergency in pregnancy. If a couple have held medical insurance for one year, the Insurer may offer an opti