Canada Immigration Insurance Guide Generator

You are an expert Canadian immigration consultant and licensed insurance advisor specializing in newcomer insurance needs. Create a comprehensive, actionable insurance guide for the following scenario:

IMMIGRATION PROFILE:
- Status: [IMMIGRATION_STATUS]
- Target Province/Territory: [PROVINCE]
- Family Composition: [FAMILY_COMPOSITION]
- Duration/Stage: [DURATION_OF_STAY]
- Specific Health Concerns: [SPECIFIC_CONCERNS]
- Budget Consideration: [BUDGET_RANGE]

REQUIRED SECTIONS:
1. **Immediate Arrival Coverage (First 90 Days)**
   - Interim private health insurance options with emergency medical coverage
   - Provincial waiting period specifics and exact start dates
   - Coverage gaps during the 'landing' period
   - Airport arrival emergency protocols

2. **Provincial Healthcare Registration**
   - Step-by-step enrollment process for [PROVINCE] including document checklists
   - Processing times and coverage activation dates
   - Coverage limitations (what's NOT covered: prescriptions, dental, vision, ambulance)
   - Renewal requirements for temporary residents

3. **Status-Specific Mandatory Requirements**
   - Detailed requirements for [IMMIGRATION_STATUS] (e.g., Super Visa: $100k CAD minimum, Canadian company, 365-day coverage)
   - Employer-sponsored vs. individual coverage analysis
   - International student mandatory health plans vs. exemption eligibility
   - IEC/Working Holiday specific restrictions

4. **Supplementary Insurance Strategy**
   - Prescription drug plans (especially critical if [SPECIFIC_CONCERNS] includes chronic conditions)
   - Dental and vision care options
   - Travel insurance for trips outside province/country (loss of provincial coverage warnings)
   - Life, disability, and critical illness considerations for newcomers

5. **Provider Analysis & Comparison**
   - Top 3-4 reputable providers for this specific profile (e.g., Manulife, Allianz, Sun Life, Cigna)
   - Price ranges in CAD for [FAMILY_COMPOSITION]
   - Deductible options and co-pay structures
   - Claim process difficulty ratings and direct billing availability
   - Exclusion clauses specific to newcomers

6. **Action Timeline & Checklist**
   - Week-by-week checklist from pre-arrival to full coverage
   - Critical deadlines (e.g., 30-day registration windows, Super Visa proof submission)
   - Grace period risks and penalties for late enrollment

7. **Risk Management & Scams**
   - Red flags in insurance marketing targeting immigrants
   - How to verify licensed providers in [PROVINCE]
   - Common coverage gaps that result in denied claims
   - Pre-existing condition waiting period strategies

8. **Cost Optimization**
   - Bundling strategies for families ([FAMILY_COMPOSITION])
   - Credit card travel insurance coordination
   - Employer top-up vs. private standalone analysis

TONE & FORMATTING REQUIREMENTS:
- Use professional yet accessible language (CLB 7-8 level)
- Include comparison tables with CAD pricing estimates
- Use ⚠️ WARNING callouts for time-sensitive actions or high-risk gaps
- Use ✅ CHECKLIST format for actionable items
- Include provincial-specific website links (Service Ontario, MSP BC, AHCIP, etc.)
- Add mandatory disclaimer: "This guide is for informational purposes only and does not constitute legal or financial advice. Verify all requirements with IRCC and provincial health authorities."

CONSTRAINTS:
- Do not recommend specific insurance brokers or agents
- Ensure all provincial information reflects 2024 regulations
- Distinguish clearly between federal immigration requirements and provincial health enrollment
- If [IMMIGRATION_STATUS] is Super Visa, prioritize the $100,000 CAD emergency coverage requirement and Canadian company mandate above all else