Private Health Services Plan

"BIZFLEX PLUS" Out of Province -
Catastrophic Health Coverage

john beaton
John Beaton

canadian health plan

home page

whats covered

who qualifies

what does it cost

home page

download PHSP application

PHSP Tax Rules

faqs

big business benefits

small business benefits

biz flex brochure

links

contact information

privacy statement

sitemap

Coverage Summary for Insured Health Benefits

There are essentially two parts to this coverage - Catastrophic Health and Out-of-Province. This kind of coverage is generaly referred to as "Stop Loss" coverage. A brief description of each part follows:

Catastrophic Health - for expenses within your own province of residence.

The purpose of this coverage is to provide a level of insurance coverage in case of a significant sickness or illness which could result in costly, unforeseen and unplanned expenses.

There are two plans available - $1,500 Deductible and $5,000 Deductible. Once you have satisfied the deductible [based on your selected plan], the insurance company will pay excess costs for the following covered expenses up to the maximums indicated for each accident or sickness.

Covered Expenses:

Semi-private hospital [$25,000 per calendar year].

Private Nursing [$25,000 per calendar year].

Prescription Drugs [$25,000 per calendar year].

Ambulance [including air ambulance] [$25,000 per calendar year].

Services of any of the following licensed practitioners, up to $25 per treatment and maximum of $25,000 per calendar year.

  • Chiropractor
  • Osteopath
  • Chiropodist or Podiatrist
  • Massage Therapist [Physicians's recommendation required]
  • Speech Therapist
  • Psychologist

Rental of a wheelchair, iron lung and other durable equipment [$25,000 per calendar year]

 

The overall maximum for all Catastrophic Health covered expenses is $250,000 per accident or sickness, subject to a calendar year maximum of $125,000.

Out-of-Province Coverage

The purpose of this coverage is to provide insurance coverage in the event of a medical emergency while you are traveling outside your own province of residence. The coverage duration is for 60 days outside your "home province". You could make multiple trips of 60 days or less. There is no deductible, and the insurance company will pay costs for the following covered expenses up to the maximums indicated.

Semi-private hospital [up to a maximum duration of 12 months]

Out-patient hospital charges.

Private Nursing [$5,000 per accident, sickness or disease].

Prescription drugs, sera and vaccines

Licensed Physiotherapist [$1,000 per accident, sickness or disease].

Ground Ambulance [$1,000 per accident, sickness or disease].

Expenses for blood plasma, oxygen, x-rays and lab exams, rental or purchase of casts, cervical collars, crutches, trusses, splints and braces, and anesthesia.

Artificial limbs, eyes or other prosthetic appliances [$2,000 per calendar year].

Rental of a wheelchair, iron lung and other durable medical equipment for temporary treatment [$5,000 per accident, sickness or disease].

Services of any of the following licensed practitioners, to a maximum of $300 per practitioner per accident, sickness or disease.

  • Chiropractor
  • Osteopath
  • Chiropodist or Podiatrist
  • Masseur [Physicians's recommendation required]
  • Speech Therapist
  • Psychologist

Emergency Dental [$2,000 for any one accident].

Medical Evacuation [$15,000].

Repatriation [$3,000].

Family Transportation and accommodation [$5,000].

Return of Vehicle [$500].

Hotel Convalescence [$1,000].

 

The overall maximum for all Out-of-Province covered expenses is $1,000,000 per person per lifetime.

"BIZFLEX PLUS" Cost of Coverage:

Plan 1 - $1,500 Deductible

Plan 2 - $5,000 Deductible

 

Annual

Monthly

 

Annual

Monthly

Single

$79.80

$7.00

Single

$63.84

$5.60

Couple

$155.04

$13.60

Couple

$125.97

$11.05

Family

$226.86

$19.90

Family

$193.80

$17.00


Beaton Insurance Services
15310 Pacific Avenue
White Rock, British Columbia, Canada V4B 1P9
Tel: (604) 535-2404
Toll Free Canada: 1-800-667-8818
Web site: http://www.aftertaxes.ca
E-mail: john@aftertaxes.ca

Copyright © 2001 - 2014 Beaton Insurance Services
All rights reserved.

This web site designed & maintained by The Dogwood Malldogwood flower