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Insurance broker in toronto
Insurance broker in toronto
Pure Health and Dental plan called “Flexcare Health” is a way to help reduce out-of-pocket expenses which are not covered by OHIP or employee health plan. Please click the button below to proceed to quick registration.
Critical Illness Insurance is a product which intends for individuals who wish to protect themselves from financial worries resulting from critical illness in order to maintain their quality of life and financial security.
This plan called “CoverMe Travel” will cover Emergency Medical expenses for an upcoming trip for Canadians; or Emergency Medical expenses for visitors, new immigrants, returning Canadians. Click below to register.
Association Health &
Association Health & Dental Plan called “FollowMe Health” is a way to replace health coverage through your employer or at time of retirement. Click the button below to proceed to quick registration.
We offer insurance packages to benefit your present and future
Life insurance protects the financial security by paying a tax-free cash benefit to your beneficiaries.
Health insurance provides financial support when illness or accident impacts you or your family.
Business and Estate
Mortgage Insurance protects the lender in the case the borrower defaults on the mortgage.
Extended health care plan for families is an insurance that covers the costs of services not paid for under OHIP.
Travel insurance covers medical expenses while travelling within one’s own country or internationally.
RESP is an investment vehicle used by parents to save for their children’s post-secondary education.
FREQUENTLY ASKED QUESTIONS
OLGA RYJKOVA Insurance Broker & Financial Adviser
Olga Ryjkova is an Insurance Broker & Financial Adviser with more than 10 years of experience in providing outstanding services across Toronto and GTA. Her areas of expertise include Life Insurance, Health Insurance, Estate and Business Insurance, Family Insurance and Travel Insurance. She will focus on your “big picture” and will develop a plan to assist you in achieving your goals. She offers a unique perspective as she has experience in both financial and insurance industries.
FREQUENTLY ASKED QUESTIONS
Do I need critical illness insurance?
In determining your need for critical illness insurance, you should consider benefits that may already be available to you through other insurance policies, such as life insurance and group health insurance. For example, the benefits offered through your employer’s group disability plan may provide appropriate and adequate coverage in the event of a critical illness. You should also consider your personal circumstances and the added financial strain that could be brought about by dealing with a serious illness or disease. Public and private health insurance plans typically do not provide coverage for day-to-day living expenses such as travel to and from treatments, home care and child care.
How much critical illness insurance cost?
Generally, the younger and healthier you are, the lower the premium (cost). However, the cost varies depending on your age, medical condition, the amount of coverage, the number of illnesses covered by the policy, and the insurance company. It pays to shop around to get the best rate. When shopping for a critical illness plan, you should consider your income, financial obligations, dependents, and health care needs.
How can I make a claim?
You can make a claim if a physician, licensed to practice medicine in Canada and specializing in your particular illness, diagnoses you with a critical illness or disease covered by your policy.
What if I never make a claim?
If you die for a reason not covered by the critical illness policy, the premiums you paid may be refunded to your named beneficiary. Some plans will return the premium or a portion of the premiums paid during the life of the policy if the policy matures and no claim has been paid.
What is not covered by OHIP?
OHIP does not cover:
- treatment that is medically unnecessary
- health services that are rendered at a facility that is not a licensed hospital or licensed health facility
- treatment that is generally accepted by the medical profession in Ontario, as being experimental, or for research or for part of a study
- treatment rendered for an illness, disease condition or injury that arose inside Canada
- ambulance services or transportation costs
- other services specifically set out in the regulations as uninsured or otherwise not listed as insured.
Why should I open RESP plan?
Because the Government of Canada will help you save money if you open an RESP account through the Canada Education Savings Grant and the Canada Learning Bond. They are only available for your child if you open an RESP.
Who can open an RESP?
Anyone can open an RESP account for a child – parents, guardians, grandparents, other relatives or friends.
How much money will I receive on EI?
If you are eligible for EI special benefits, you can expect to receive 55% of your average weekly earnings up to a defined annual limit. In 2013, you can receive up to $501 per week, based on the maximum insurable earnings of $47,400 for that year. The amount of your benefits may decrease if you continue to work or if your business generates earnings while you are collecting EI special benefits.
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