Emergency Medical and Group Benefits

Posted May 24th, 2012 in articles by admin

Emergency Medical is another overlooked part of Group Benefits.

It is often part of travel insurance coverage, but can also be found on its own.

It’s a little known fact that if you fall ill outside your own province, you might not be covered for all medical procedures even though you are still in Canada. The provinces do have some coordination going on, but you should make sure you are properly covered if you travel outside the province in which you are covered by the provincial health system. In Ontario, that system is OHIP, but every province has its own counterpart.

Many, but not all Group Benefits plans has emergency medical insurance, so if you were to travel abroad, double check your employee booklet for coverage. If you don’t have coverage, you can purchase it on your own very easily online and it isn’t that expensive. For the small price, it’s worth getting the coverage. Just make sure you read the policy wording to make sure you are in fact covered the way you expect.

In my own personal experience, I have seen the benefits of emergency medical insurance a few times. My grandfather had a heart attack out of the country, which would have cost him $90,000.00 without coverage, and my own mother came down with a serious illness halfway around the world from her home. The insurance made sure she had good care until she was stable enough to be flown home, all expenses paid.

It’s one of those things that people often over look, but it’s worth seeing if your Group Benefits package has it included as a benefit.

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