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Saturday, May 27th, 2017

INPATRIATE
Foreign Workers

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Benefits
Exclusions
Claims
Rates
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INPATRIATE IS AN EMPLOYER SPONSORED PLAN AND IT CAN ONLY BE PURCHASED THROUGH AN EMPLOYER.

Administrated by: RSA Travel Insurance Inc.
Underwritten by: Royal & Sun Alliance Insurance Company of Canada
24 hours Emergency Assistance Center: Global Excel

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

BENEFITS:
Medical Insurance for Foreign Workers and New Immigrants provides coverage for $100,000; $500,000; $250,000 and $1,000,000.
  - Hospital accommodation (up to semi-private room accommodation).
  - Physician and surgeon services.
  - Diagnostic Services: Laboratory tests and X-ray prescribed by the attending physician due to an emergency. ( MRI, CAT scans, sonograms, ultrasounds or biopsies have to be pre-approved by Global Excel)
  - Ambulance services - ground transportation.
  - Medical appliances - rental of crutches, casts, splints, canes, slings, trusses, braces, walkers and wheelchairs.
  - Professional services - up to $220 per year for chiropractic expenses, including radiological examinations. Up to $155 for osteopath; Up to $135 for chiropodist or podiatrist; Up to $500 per policy year for professional services of physiotherapist prescribed by physician or surgeon.
  - Routine health examination - one exam per policy year up to $250 .
  - Maternity: up to $10,000 for pregnancy and childbirth. The pregnancy must start after the effective date of the insurance and the coverage has to include the entire term of the pregnancy. Expenses of well baby care for a period of 6 months after the birth of a child is also included.
  - Eye Examination - up to $100 for an eye examination by an optometrist or an ophthalmologist.
  - Psychologist: up to $500 per policy year.
  - Accidental dental of up to $2,500 in case of accident.
  - Emergency air transportation when arranged with Global Excel.
  - Emergency Out of Province: up to 30 days per trip (limited to the amount of benefit that would have been payable under the Provincial Health Insurance plan outside of Canada. The insured can purchase regular Travel Insurance from RSA for more comprehensive coverage outside of the province of residence.)
  - Return Home Benefit: up to $5,000 for transportation back to province of residence.
  - Return of remains - Up to $5,000 for preparation and transportation to the country of origin or for cremation and/or burial at the place of death.

EXCLUSIONS: Your coverage is subject to various exclusions, which are completely set out in the Exclusions section of the policy document. The following, although not an exhaustive list, are some of these exclusions:
ELIGIBILITY: Foreign Workers and their families under age of 70 who are not covered under a Canadian government health insurance plan.

INPATIATE PLAN CAN BE PURCHASED ONLY THROUGH AN EMPLOYER.

PRE-EXISTING CONDITIONS: 
No coverage for any sickness or injury for which you experienced symptoms or for symptoms requiring investigation, or any sickness or injury for which you required medical treatment or was prescribed, had taken or are currently taking medication, prior to the policy’s effective date; 

Note: Each time you extend or purchase another policy from the insurance company because you are staying in Canada longer, each new or extended policy will have a new effective date and you will NOT be covered under the new or extended policy for any pre-existing conditions before the effective date of the new policy.

OTHER EXCLUSIONS:
 This policy does not cover losses or expenses related in whole or in part, directly or indirectly to any of the following:
    - reimbursement for prescription drugs, contraceptive devices of any form, fertility drugs or procedures;
    - your participation in and/or voluntary exposure to any risk from: war or act of war, whether declared or undeclared; invasion or act of foreign enemy; declared or undeclared hostilities; civil war, riot, rebellion; revolution or insurrection; act of military power; or any service in the armed forces;
    - suicide (including any attempt thereat) or self-inflicted injury whether or not you are sane; 
    - committing or attempting to commit an illegal act or a criminal act;
    - a disorder, disease, condition or symptom that is emotional psychological or mental in nature unless hospitalised; 
    - participation in any sports as a professional athlete (person who engages in an activity as one's main paid occupation), motorized or mechanically assisted racing or speed contests (an organized activity of a competitive nature in which speed is a determining factor in the outcome of the event), scuba diving (unless you hold a basic SCUBA designation from a Canadian certified school), hang-gliding, rock climbing, paragliding, skydiving, parachuting, bungee jumping, mountaineering or a flight accident (unless you are travelling as a fare paying passenger on a commercial airline). 
    - medication, drugs or toxic substance abuse or overdose (whether or not you are sane); alcohol abuse, alcoholism or an accident while being impaired by drugs or alcohol or having an alcohol concentration that exceeds 80 milligrams in 100 milliliters of blood.
    - the purchase or replacement cost (prescribed or not), loss or damage to hearing devices, eyeglasses, sunglasses, contact lenses or prosthetic teeth, limbs or devices and resulting prescription therefrom.
    - group examination, immunizations or inoculations; 
    - any service or examination specifically for: a) an application for insurance (or continuance); b) an application for school, camp, club, group or program (admission or continuance at); c) legal requirements or proceedings; 
    - elective examinations and/or cosmetic surgery, whether or not for psychological reasons unless required as the result of eligible injury incurred while this policy is in force; 
    - private duty nursing;  

CLAIMS:
In the event of hospitalization or emergency surgery you must call Global Excel no later than 3 days from the date of admission: 1-800-715-8833 toll free from Canada and U.S. or 819-566-8839 collect call from anywhere. Do not assume that someone will contact Global Excel on your behalf. It remains your responsibility to ensure that Global Excel has been contacted within 3 days of admission. Failure to do so limits benefits to 70% of eligible expenses to a maximum of $10,000.

You must report in writing and send all original bills, invoices and receipts within 90 days from the date a claim arises to Global Excel . All documents have to be mailed to:

Global Excel Management Inc.
73 Queen Street
Sherbrooke, Quebec, J1M 0C9

Telephone: 1-800-336-9224 (toll free) or 819-566-8698 (collect) during business hours.

RATES:

SINGLE COVERAGE

Months

$100,000

 $250,000 

$500,000

$1,000,000

1

$109

$134

$147

$192

2

$219

$269

$293

$384

3

$328

$402

$440

$576

4

$438

$536

$585

$768

5

$548

$671

$732

$960

6

$657

$805

$878

$1,151

7

$766

$938

$1,025

$1,344

8

$876

$1,073

$1,172

$1,535

9

$985

$1,207

$1,318

$1,728

10

$1,096

$1,342

$1,465

$1,920

11

$1,205

$1,476

$1,610

$2,111

12

$1,314

$1,609

$1,757

$2,304



COUPLE COVERAGE

Months

$100,000

 $250,000 

$500,000

$1,000,000

1

$219

$269

$293

$384

2

$438

$536

$585

$768

3

$657

$805

$878

$1,151

4

$876

$1,073

$1,172

$1,535

5

$1,096

$1,342

$1,465

$1,920

6

$1,314

$1,609

$1,757

$2,304

7

$1,533

$1,878

$2,050

$2,688

8

$1,753

$2,146

$2,343

$3,071

9

$1,971

$2,414

$2,635

$3,455

10

$2,190

$2,682

$2,929

$3,839

11

$2,410

$2,951

$3,222

$4,223

12

$2,628

$3,219

$3,514

$4,607



FAMILY COVERAGE

Months

$100,000

 $250,000 

$500,000

$1,000,000

1

$241

$295

$323

$424

2

$483

$591

$647

$846

3

$723

$886

$970

$1,270

4

$965

$1,181

$1,295

$1,693

5

$1,206

$1,477

$1,618

$2,116

6

$1,446

$1,772

$1,942

$2,540

7

$1,688

$2,067

$2,265

$2,963

8

$1,929

$2,363

$2,589

$3,387

9

$2,171

$2,658

$2,913

$3,809

10

$2,412

$2,953

$3,237

$4,233

11

$2,653

$3,249

$3,560

$4,657

12

$2,894

$3,544

$3,883

$5,079


For residents of Ontario or Quebec additional Retail Sales Tax for group insurance (Ontario 8% or Quebec 9%) applies to the total premium.

The rates and products described are subject to change without notice at any time.

Note: This information is an illustration only. It is not an insurance policy. Travel insurance does not cover everything. For the complete terms, conditions, limitations and exclusions please see the policy wording online or refer to your policy booklet.

Medi-Select Advantage Emergency Medical Insurance for Visitors to Canada is underwritten by Royal & Sun Alliance Insurance Company of Canada and administrated by RSA Travel Insurance Inc.

The "RSA" and RSA Logo are trademarks owned by RSA Insurance Group plc, licensed by Royal & Sun Alliance Insurance Company of Canada.
Medi-Select Advantage is a registered trademark of RSA Travel Insurance Inc.
The Global Excel logo is a registered trademark of Global Excel Management Inc. 

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

DOWNLOADS:

RSA Inpatriate Insurance Brochure PDF

RSA Inpatriate Policy PDF

RSA Inpatriate Policy Endorsement for BC, AB and MB 

RSA Inpatriate Application

RSA Inpatriate Claim Form PDF

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PRE-EXISTING CONDITIONS: 
No coverage for a medical condition, illness or injury for which you have received medical consultation, diagnosis, and/or treatment prior to the date of your trip. 
Note: Each time you extend or purchase another policy from the insurance company because you are staying in Canada longer, each new or extended policy will have a new effective date and you will NOT be covered under the new or extended policy for any pre-existing conditions before the effective date of the new policy.
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