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Administered by: .:Other Viator Products TM .: Privacy Implications .:Viator All confidential information related to the policyholder’s business is kept strictly private and confidential. Due to privacy legislation, /Group Stop-Loss Group Travel Medical Emergency Insurance claimant information cannot be revealed to the policyholder. etfs undertakes to fully and completely adhere to the provisions Health Insurance Provides emergency medical and assistance benefits for of the Federal Personal Information Protection and Electronic participants of employer, union and association groups while Documents Act, such that all private information of an employee/ travelling outside of their province/territory of residence member is fully and effectively safeguarded. or Canada. etfs Sales Offices As underwriter, Royal & SunAlliance is committed to ensuring that your privacy is protected. For privacy information, visit www.royalsunalliance.ca, or call 1-800-716-4339. SHERBROOKE - MONTREAL - TORONTO - VANCOUVER Expatriate Insurance More than an emergency medical insurance plan, it provides coverage for ongoing medical and preventative care for Canadians residing outside Canada for longer than six months. Inpatriate Health Insurance Provides foreign nationals working in Canada or returning Canadians and their families with temporary provincial plan replacement coverage that fills the gap created by waiting Visit us at periods and residency requirements. www.etfsinc.com Priority Care Health Insurance Underwritten by: A health insurance plan for individuals and groups which provides access, without delay, to the best health facilities, as well as the support of our 24/7 medical team while undergoing treatment. This brochure is intended for promotional purposes and is not an insurance policy. It is not an offer of insurance. It contains some information about coverages offered by Royal & Sun Alliance Insurance Company of Canada but it does not list all of the conditions and exclusions that apply to the described coverages. The actual wording of the policy governs all situations. Viator™ Group Stop-Loss Health Insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada and administered by Expert Travel Financial Security (E.T.F.S.) Inc. ™ The etfs logo and the Travel & Healthcare Solutions slogan are trademarks of Expert Travel Financial Security (E.T.F.S.) Inc. 39 01 BRO ECA 0108 000 ® The etfs logo is a registered trademark of Expert Travel Financial Security (E.T.F.S.) Inc. ™ Viator is a trademark of Expert Travel Financial Security (E.T.F.S.) Inc. ™ The Royal & SunAlliance logo is a trademark owned by Royal & Sun Alliance Insurance Group plc, licensed for use by Royal & Sun Alliance Insurance Company of Canada. Stop-Loss Health Insurance Health Care Solutions Does your group business have unique needs? If so, we at etfs are health and travel insurance experts and are committed to finding a solution for every insurance need. .: Why purchase Stop-Loss Health Insurance? Limits financial responsibility for self-insured extended .: Individual Annual .: Aggregate Stop-Loss ■ .: What is Stop-Loss health care claims costs Health Insurance? Review Stop-Loss Coverage protects against the accumulation of expenses ■ Risk management — the employer/group chooses the amount of risk to retain and the amount to be on all claimants, as opposed to high expenses for individual Stop-Loss health insurance provides the means for an employer Claims experience is reviewed at inception and for each renewal claimants, limiting total liability to a certain dollar amount. covered by Stop-Loss Health Insurance to safely self-insure the costs of extended health care benefits, to set individual Stop-Loss levels for claimants whose most Claims experience is reviewed at inception and annually to ■ Ensures seamless coverage to employees/members including drugs, by limiting the liability associated with large current 12-month experience exceeds 75% of the Stop-Loss assess an aggregate attachment point, in effect determining the and unforeseen claims or an unexpectedly large number level applied for. policyholder’s liability limit. of claims. .: What are the Advantages? .: Individual Initial AGGREGATE Stop-Loss Health Plan Features ■ Stop-Loss Health Insurance designed to suit .: Who is eligible? your needs Review Stop-Loss ■ Coverage protects against an abnormal number of ■ Cost-effective products and services Canadian employers/groups with Canadian employees/ claims and/or catastrophic claims within the group members who are: Claims experience is reviewed at inception and for each renewal, but exceptional Stop-Loss levels are set at inception and first ■ Under age 70 ■ Aggregate limit of one million dollars ($1,000,000) per ■ Insured under a Canadian Government Health renewal for claimants whose most current 12-month experience exceeds 75% of the Stop-Loss level applied for. policy period .: What are Insurance Plan ■ Drug & Extended Health Stop-Loss or Drug Only Stop-Loss the Underwriting Requirements ■ Covered under a basic group extended health care plan INDIVIDUAL Stop-Loss Health Plan Features options for Stop-Loss Health Insurance? ■ Coverage protects against large claims from any one ■ Stop-Loss levels: 110%2, 115%2, 120%, 125%, 150% of ■ Minimum group size of 25 primary lives individual or dependent expected claims ■ Individual Stop-Loss: The most recent 12 months of claims experience by individual ■ Aggregate limit of one million dollars ($1,000,000) ■ Annual expected claims review ■ Aggregate Stop-Loss: The most recent 24 months of per policy period aggregate claims experience ■ 100% of employees/members and their dependents ■ Annual Review and Initial Review Stop-Loss covered under the group’s basic extended health care plan ■ Drug & Extended Health Stop-Loss1 and Drug Only Stop-Loss options ■ Stop-Loss levels: $5,000, $7,500, $10,000, $15,000, $20,000, $25,000 1 If at the end of any calendar year there are fewer than 125 employees covered by the plan, the drug ■ Assessment of exceptional Stop-Loss levels annually or at portion of the Stop-Loss plan does not apply to any employee who is a resident of Quebec. 2 Requires a minimum of 100 primary lives. inception and first renewal All amounts indicated are in Canadian currency, unless indicated otherwise.
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