INGLE Insurance - Health, Drug & Dental Insurance Protection


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Health, Drug & Dental Insurance Protection

Why

Why health, prescription drug & dental insurance?
The Government does not cover all of your healthcare needs.

Health insurance benefits provided by your Government will only cover basic medical needs - like a trip to the doctor or hospital.

You must pay for your prescription drugs, dental care and eyeglasses, out of your pocket.
Governments are reassessing healthcare funding, putting more emphasis for health care on the individual.

The Decline of Government involvement in Health care.

GHIP (Government Health Insurance Plan) reducing coverage
Hospital closings and reduced access to hospital beds, creates more of a need for homecare

I’m healthy, why do I need health insurance?

You may be healthy today. But what happens if an accident or illness were to occur tomorrow?
The cost of the additional health care, the private hospital room, drugs, therapy and specialists not covered by your provincial plan, could cost you and your family your entire savings.
For a small monthly premium you not only buy the health insurance you really need, you also buy Peace of mind.

“I only claim a few things per year.”

Health Insurance will ensure your family’s financial security and allow you access to the care you need.

The frequency of Canadians with serious illness.

9 in 10 will develop Back Problems
2 in 5 will develop High Cholesterol
1 in 13 will develop Diabetes
1 in 13 will develop Cancer
1 in 20 will develop Bronchitis
1 in 30 will develop Osteoarthritis
1 in 50 will develop Epilepsy
1 in 100 will develop Alzheimer's
1 in 500 will develop Heart Disease
1 in 1,000 will develop Multiple Sclerosis
7 in 10,000 will develop Aids
1 in 10,000 will develop Parkinson's
7 in 10,000 will develop ALS

Tax deductibility *

Deduction of premiums as a business expense
Non-taxable benefit for employees
Still able to claim as a medical expense

*Consult Income Tax Specialist for details

Example cost breakdown:

Typical Manulife Financial family insurance premium -	$1050.00
Tax saving at a 40% level -	(420.00) (deduction as a business expense)
Prescription drug expenses per year -	180.00 (amount you may normally pay)
Dental expenses per year -	200.00 (amount you may normally pay)
Contact lenses expense per year -	100.00 (amount you may normally pay)
Chiropractor/Registered Massage Therapist Expenses per year -	150.00 (amount you may normally pay)
The cost to you -	*$ 0 .00 (your Insurance pays for itself)**