Just now, Benoit said:
Thank you for your answers,
By chance I will completely heal from this sickness (I’m almost like before now), and I’m not waiting for money from a new insurance for this sickness, let’s just say it’s the price for having neglected my insurance choice before!
Theses days I’m contacting insurances directly, I prefer to search myself first and contact an insurance broker later if needed. I will write the results here in case it can be useful for somebody else.
The benefit of using a good broker is that they know all the questions and possible variables factors that may affect the type of insurance you might need.
Also a broker who represents alot of other clients can sometimes have leverage with the insurer and I have actually found I get treated better by the insurer when using a broker.