benefit of our coverage plan
Just because your are working overseas
does not mean that your insurance coverage has to be limited. At Telfer International
we will help you to design a plan that best suits the need of you and your
family while abroad. At Telfer International, we offer both a basic Accident
and Sickness insurance plan plus benefits normally found in most domestic
group insurance plans.
Coverage applies both overseas as well as during return visits to Canada while
on business or pleasure.
Benefits include:
FULL MEDICAL COVERAGE INCLUDING:
- no deductible.
- no requirement that provincial health care be in force.
- coverage for prescription medication.
- semi-private room
- prior authorization
not required to obtain medical treatment.
EXTENSION OF COVERAGE
- This benefit is included for Canadians-only insured for over 6 months.
- This benefit allows for up to 3 months of supplemental medical coverage
bridging the gap while the insured re-applies for provincial health care
benefits on return to Canada.
PREVENTIVE MEDICATION
- This benefit covers medication required to avoid specific ailments that
are prevalent in the area of posting (eg. anti-malaria, yellow fever,
hepatitis etc.)
EMERGENCY ASSISTANCE/EVACUATION
- This benefit will cover travel expenses in the event of a medical emergency
for which proper treatment is not available locally.
- Each insured is provided with contact numbers that are accessable 24-hours-a-day
for assistance in a medical emergency.
SALARY CONTINUANCE
- Maximum monthly benefit is $5,500/month ($3,500/month for
non-Canadians)
- Maximum benefit period to age 65 (2 years maximum for non-Canadians)
ACCIDENTAL DEATH, DISMEMBERMENT & PERMANENT,
TOTAL DISABILITY
- This benefit covers an accidental death or dismemberment or permanent,
total disability resulting from an accident. This benefit is available up
to a maximum of $400,000 ($200,000 for non-Canadians)
LIFE INSURANCE
- This benefit is identical to the above, however it includes a death by
natural causes. This benefit is available up to a maximum of $300,000 ($200,000
for non-Canadians)
DENTAL COVERAGE
- This benefit coverage basic and preventive dental care including regular
maintenance and check-ups.
