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Emergency Coverage
In conjunction with SSQ Insurance, HUB Financial offers optional supplementary coverage to all FlexSave™ applicants. For a minimal cost, this coverage provides clients with protection should a catastrophic medical event occur either in province or while traveling. Available exclusively to FlexSave™ clients, this plan offers two areas of protection in one plan.
1. Travel Medical1
If you and/or your covered dependents require medical or surgical treatment outside your own province of residence, this policy will pay certain covered expenses to a maximum of $2,000,000.
There is no deductible associated with this component; however, coverage is limited to a maximum trip length of 60 days.
2. In-Province Catastrophic1
If you and/or your covered dependents require medical or surgical treatment due to injury, sickness or disease in your province of residence, this plan will then pay for the following covered expenses after an annual deductible of $1,500 per person per category is satisfied.
The plan will then cover up to $25,000 per category expense up to a combined maximum of $125,000 annually subject to a total lifetime maximum of $250,000.
The expense categories are:
a) Semi private hospital room and board
b) Private nursing (ordered or prescribed by a Physician
c) Prescription drugs, sera and vaccines
d) Ambulance (including air)
e) Services of specific licensed practitioners
f) Rental of durable medical equipment
g) Accidental Dental coverage
Information on Emergency Coverage
Available Plan Versions
|
Pre-Existing Condition Clause |
Coverage to age 70 |
Travel Coverage: No
Catastrophic Coverage: 6 months* |
Coverage to age 70-75
Available for new clients or upon existing insured reaching age 70 |
Travel Coverage: 6 months
Catastrophic Coverage: 6 months |
Information on Stop Loss
Stop Loss to Age 70 Rates2
|
Stop Loss Age 70-75 Product Rates2
|
Plan Type |
Monthly |
Plan Type |
Monthly |
Single |
$14.36 |
Single |
$27.60 |
Couple |
$27.47 |
Couple |
$51.87 |
Family |
$35.00 |
Family |
$59.27 |
1. Please refer to the policy contract for full details on benefits and restrictions.
2. Rates are subject to change with notice
* The 6 month pre-existing condition clause does not apply to the Coverage to Age 70 plan when there are 10 or more employees enrolled in the plan.