So what does "prescription" means??
If for example one gets sick and the physician prescribes medicine or if a person is at the hospital and needs to take medications after the treatment.
Does my father's hypertension fall under preexisting condition?
Yes, basically anything does. Generally, pre-existing conditions are defined as any sickness, injury or medical condition, for which the insured client consulted a doctor, has shown symptoms, has been hospitalized or was prescribed medications before the effective date of coverage.
What if my mother has gall bladder surgery a long time before in home country?
If anything happens in Canada that is related to that they will not cover unless your policy has pre-existing conditions coverage. They look at everything as pre existing condition, all the insurance companies. Basically if you think that she might have any issues related to her gall bladder then I would suggest getting her a plan with pre-existing conditions, just in case.
But it's mostly a personal choice in your mom's case because the chances that something related to her surgery will happen are not that big but I wouldn't want you to be in a situation where you would not be aware. You get to choose if you want coverage for pre-existing conditions, it's completely up to you.
So for example if a person had colds and flu, it is not considered a pre-existing condition but diabetes, high blood pressure or asthma do. Any surgeries and treatments all these companies consider as pre-existing conditions, it's in all of the policy wordings. Would you like me to email you the details about what's covered?