Stop Loss Health Insurance ETFS Inc by liaoqinmei


									                                             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
                                                                                                                                                                                                    , 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.
                                                                                                                                          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

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

                                                                     ■ 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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