An Overview of Services and Insurance Coverage
Access to:
This is a "one of a kind" comprehensive healthcare services and insurance plan designed to provide participants with information, top quality care, peace of mind and financial security for themselves and members of their family. This new plan combines the preeminent services of the BestDoctors® and InterConsultation™. Together they provide a top quality major medical insurance program available in Canada through Hatton Financial Inc. Ownership of this coverage will empower participants to make informed decisions concerning the diagnosis and recommended treatment plans for their medical conditions. It will facilitate access to care by the top specialists and facilities in the U.S. and around the world. It will also provide the required funding for participants who may require, or choose to obtain, treatment in the United States or elsewhere around the world. Coverage provides annual renewable major medical insurance coverage for any serious illness including all medical and hospital expenses, wherever incurred, that are not covered under Canadian provincial medicare insurance plans. The coverage is subject to medical underwriting; some special illnesses are not covered immediately and some other conditions are excluded from coverage. All coverage will have a basic deductible and small element of co-insurance. After payment of these costs, major medical protection is provided up to a lifetime limit of U.S. $5 million (approximately Cdn. $7.5 million). It is anticipated that the majority of claims will be for medical and hospital expenses incurred by participants who receive treatment in the United States. Product AdvantageIn general, out-of-country emergency care, global assist programs and travel insurance are limited in their scope, providing protection with many restrictions, limited maximums and short coverage periods. Coverage only applies when out of the country. This coverage offers few restrictions and high maximums and as a result can be marketed in a wide variety of situations. A key advantage is the ability to provide information, care and funding to almost every Canadian regardless of where they live, where they work or where they travel. As this new and one of a kind product provides benefits equal to the cost of care for a particular illness, critical illness insurance can be purchased to cover any additional costs. This takes much of the guesswork out of how much critical illness insurance is needed. For example, if the insured suffered a heart attack at age 60 and required immediate life-saving by-pass surgery, this could be performed in the United States. Coverage would pay all costs associated with surgery. An additional cash infusion from critical illness benefits could be used to pay any expenses that are not covered by the new Healthcare Product, such as travel costs for the insured and a companion traveler. Critical illness benefits could also be used to supplement income, complete retirement plans and allow the insured to retire early. The reduced need for critical illness insurance increases efficiency. This can be used to protect individuals, companies, families, groups of executives, CEO's or children. It is coverage for Canadians living and working in Canada. It can also provide coverage for those traveling abroad, anywhere or anytime. Protection is also available to non-Canadian citizens who are working in Canada or abroad. When both parents are insured under the policy no premium is required for the first 2 children age 14 days to 9 years. The product is not available to anyone who lives primarily (6 months or more per year) in the United States.  Each plan provides participants with a wide range of medical information services. These services are automatically included in every plan. Unlike other products, this plan does not require a claim for any insured benefit in order to access the following:
BestDoctors® Best Care The plan also provides participants with access to care. These services are also automatically included in every plan. As with access to information, access to care does not require a claim for any insured benefit in order to receive:
Each plan includes a comprehensive major medical plan that provides worldwide coverage, and is available in Canada through Hatton Financial Inc. |
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