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Esorse Corporation in conjunction with etfs is pleased to offer Canada’s leading travel assistance products underwritten by Royal & SunAlliance Insurance Company of Canada.
• Travel emergency medical benefits beyond the industry norm for extended health care benefit plans.
• First rate in-house assistance and claims administration 24 hours a day, 7 days a week.
• First dollar insurance coverage |
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| Coverage Period |
30,60,90 days |
30,60,90 days only (top up available) |
| Overall Maximum |
$5,000,000 per incident |
$5,000,000 per incident |
| Dependent Age |
Up to age 21; full-time student 26 |
Up to age 21; full-time student 26 |
| Termination Age |
70 or earlier retirement |
None |
| Pre-Existing Clause |
Not applicable |
6 month stability clause |
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Minimum Participation: 100% of participants and dependents currently covered under the applicant’s extended health care plan. 5 lives for annual review.
Rate Guarantee: 12 months from the effective date of the policy.
Pre-Existing Clause: Any condition that existed prior to departure unless such pre-existing medical condition has been stable (ie: no change in symptoms, no hospitalization, no change in condition, no new prescription drugs or prescribed change in treatment or medication) for 6 months prior to departure. |
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Esorse Corporation in conjunction with etfs is pleased to offer Canada’s leading Viator™ Stop-Loss Insurance products underwritten by Royal & SunAlliance Insurance Company of Canada.
Viator™ Stop-Loss Insurance provides a means to limit the possibility of excessive liabilities associated with large and unforeseen claims. It provides the option to employers to safely self-fund the costs of actual claims, rather than purchase the traditional insurance product for experience rated benefits. This limits their financial exposure by ensuring that, at a pre-determined threshold, the financial risks are transferred to the insurer. As a result, premiums are paid solely for the insured portion, reducing their overall insurance cost. |
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| Benefits |
Extended Health and Drug Benefit OR Drug Benefit alone |
| Stop-loss levels |
$5,000, $7,500, $10,000, $15,000, $25,000 |
| Overall Maximum |
$1 million per insured person per policy period |
| Dependent Ages |
Up to age 21 or if full-time student, up to age 26 |
| Termination Age |
Under 70 years of age |
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Minimum Participation:
- 100% of participants and dependents currently covered under the applicant’s extended health care plan
- 5 lives for annual review
- 25 lives for initial review
Rate Guarantee
- 12 months from the effective date of the policy
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Copyright © 2005-2007 ESORSE Corporation. All Rights Reserved |
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