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Personal Plans for Individuals and Small
Business
FlexCare®
Stand-Alones
Summary
of Benefits
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With Flexcare®
Stand-Alone coverage, you don't need a Core plan. You can
select one or more Stand-Alones to create your own
"One-Of-A-Kind" Flexcare health plan.
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Hospital Basic
(Medical
questionnaire required) |
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Semi-private room coverage
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100% during the first 30 days, 50% of
the next 100 days per anniversary year
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The reasonable and customary
provincial room rates will be paid up to a maximum of
$150 per day
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Cash Benefit - $25 per day, beginning
on the 4th day of hospitalization, for a maximum of 30
days, if a semi-private room is not obtained
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Anniversary
Year means the consecutive 12 months following the
Effective Date of the Agreement, and each 12 month
period thereafter.
Benefit Year
means the 12 consecutive months following the
incurred date of the claim.
Calendar
Year means the 12 consecutive month period
commencing January 1 and ending December 31. |
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Hospital Enhanced
(Medical
questionnaire required) |
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Semi-private or private room coverage
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100% coverage per anniversary year
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The reasonable and customary
provincial room rates will be paid up to a maximum of
$200 per day
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Cash Benefit - $50 per day beginning
on the 4th day of hospitalization, for a maximum of 60
days, if a semi-private or private room is not obtained
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Anniversary
Year means the consecutive 12 months following the
Effective Date of the Agreement, and each 12 month
period thereafter.
Benefit Year
means the 12 consecutive months following the
incurred date of the claim.
Calendar
Year means the 12 consecutive month period
commencing January 1 and ending December 31. |
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Catastrophic
Coverage
- $4,500 deductible
(Medical
questionnaire required) |
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Catastrophic
Coverage is designed to offer protection against large
unforeseen medical expenses that often result from serious
accidents or medical emergencies. If you have a health plan
or if you are applying for a Flexcare core plan,
Catastrophic Coverage is an affordable and ideal option to
further enhance your coverage. If you are currently without
a health plan and are looking for protection against very
large medical expenses, Flexcare Catastrophic Coverage may
be an excellent solution for you.
This coverage
provides the following benefits: |
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Unlimited 100% coverage for generic and name
brand prescription drugs that commences when
annual claims exceed $4,500 per person per
anniversary year (available as an Add-On to
DrugPlus Basic and ComboPlus Basic plans, or as
a Stand-Alone);
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Additional $25,000 in coverage for Homecare and
Nursing, Prosthetic Appliances and Durable
Medical Equipment (wheelchairs, etc.) that
commences when annual claims exceed $7,500 per
person per anniversary year; lifetime maximum of
$100,000.
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In
the event of an accident that requires a
hospital stay of at least 24 hours, Catastrophic
Coverage provides unlimited Chiropractor and
Physiotherapist coverage for 1 year following
the accident.
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All
Catastrophic Coverage benefits are paid at the
reasonable and customary level, and are co-ordinated
with any other health plan coverage you may
have.
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You
are eligible to apply for Catastrophic Coverage
if you are under 65 years of age and a Canadian
resident. Once your application is approved,
your coverage will continue as long as your
premiums are paid, regardless of age or any
future changes in your health
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Anniversary
Year means the consecutive 12 months following the
Effective Date of the Agreement, and each 12 month
period thereafter.
Benefit Year
means the 12 consecutive months following the
incurred date of the claim.
Calendar
Year means the 12 consecutive month period
commencing January 1 and ending December 31. |
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Catastrophic
Coverage - $10,200 deductible
(Medical
questionnaire required)
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Catastrophic
Coverage is designed to offer protection against large
unforeseen medical expenses that often result from serious
accidents or medical emergencies. If you have a health plan
or if you are applying for a Flexcare core plan,
Catastrophic Coverage is an affordable and ideal option to
further enhance your coverage. If you are currently without
a health plan and are looking for protection against very
large medical expenses, Flexcare Catastrophic Coverage may
be an excellent solution for you.
This coverage
provides the following benefits: |
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Unlimited
100% coverage for generic and name brand prescription
drugs that commences when annual claims exceed $10,200
per person per anniversary year (available as an Add-On
to DrugPlus Enhanced and ComboPlus Enhanced plans, or as
a Stand-Alone).
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Additional
$25,000 in coverage for Homecare and Nursing, Prosthetic
Appliances and Durable Medical Equipment (wheelchairs,
etc.) that commences when annual claims exceed $7,500
per person per anniversary year; lifetime maximum of
$100,000.
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In the
event of an accident that requires a hospital stay of at
least 24 hours, Catastrophic Coverage provides unlimited
Chiropractor and Physiotherapist coverage for 1 year
following the accident.
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All
Catastrophic Coverage benefits are paid at the
reasonable and customary level, and are co-ordinated
with any other health plan coverage you may have.
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You are
eligible to apply for Catastrophic Coverage if you are
under 65 years of age and a Canadian resident. Once your
application is approved, your coverage will continue as
long as your premiums are paid, regardless of age or any
future changes in your health.
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| Anniversary Year
means the consecutive 12 months following the
Effective Date of the Agreement, and each 12 month
period thereafter. Benefit Year means the
12 month period following the date a claim for a
specific benefit is first incurred, and each 12
month period thereafter.
Calendar Year means the 12 consecutive
month period commencing January 1 and ending
December 31. |
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