In order to provide comprehensive coverage for your clients benefit plan, HUB Financial Inc. in conjunction with SSQ Insurance offers supplementary coverage to all FlexSave™ applicants. For a minimal cost, this coverage provides your clients with protection should a catastrophic medical event occur either in province or while traveling. These products are exclusively for FlexSave™ clients.

The coverage is in no way meant to replace traditional insurance. The In-Province Catastrophic policy includes a pre-existing condition clause unless there are 10 or more employees. The Travel policy does not include a pre-existing condition clause.

1. Travel Component1:

If your clients and/or your clients covered dependents require medical or surgical treatment outside of your own province of residence, this policy will pay certain covered expenses to a maximum of $1,000,000.

There is no deductible associated with this component, however, is limited to a maximum trip length of 60 days.

2. In Province Catastrophic Component1:

If your clients and/or your clients covered dependents require medical or surgical treatment due to injury, sickness or disease in their province of residence, this policy will pay for the following covered expenses after they have satisfied the deductible - $1,500 per person.

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 applicable categories are as follows:

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

 
  Monthly Cost
Annual Cost
Deductible
Single

$8.75

$100.00

$1500
Couple

$16.65

$190.00

$1500/person

Family

$21.50
$245.00
$1500/person

 

 


 1Please refer to the contract for full details of benefits and restrictions.