LOWER COST BUT STILL GREAT COVERAGE!
If you’re not incorporated, or simply prefer a traditional insured approach to health & dental benefits, we offer a comprehensive, fully-insured individual health and dental benefits program underwritten by Lloyds of London. The Plan uses a deductible to provide the coverage you need at a price you’ll appreciate, and offers you the ability to customize your protection with your choice of a number of Optional Benefits.
FLEXIBLE COVERAGE CHOICES
With enVia, you can design your benefit coverage to meet your personal needs. Available coverage includes:
- Fully Insured Individual Health or Health + Dental
- Optional Disability Insurance (Short & Long Term)
- Optional Critical Illness Recovery Program
- Optional Life Insurance
- Optional Accidental Death & Dismemberment Insurance
AFFORDABLE HEALTH & DENTAL
An affordable yet comprehensive fully insured Health or Health + Dental Plan offering 100% reimbursement with a deductible to keep your monthly premium rates low. Guaranteed Issue with no medicals required (some optional coverage requires a Personal Health Declaration). If the applicant or a dependent has a pre-existing condition and is taking medication, there is a 24 month waiting period before coverage for that medication commences.
REAL-WORLD, NEEDS-RELATED OPTIONAL BENEFITS:
DISABILITY INSURANCE
After a 30 day waiting period, a Weekly Disability Benefit of 66.7% of weekly earnings up to $1,500/week for 104 weeks. Thereafter, if Permanently Disabled, a Lump Sum Benefit of 5X Gross Annual Earnings to a maximum of $500,000.
XN GLOBAL® PREFERRED CARE INSURANCE
Provides personal case management in the event of critical illness and ensures prompt access to top US Hospitals for treatment of Cancer, Heart Surgery, Neurosurgery, Organ Transplants & more. 100% reimbursement of expenses up to $2M USD per person per annum.
PERMANENT LIMITED PAY LIFE INSURANCE
Participants may purchase Optional Life Insurance in units of $25,000 or $50,000. Fully paid for in 20 years, coverage remains in force for life. Evidence of Insurability form must be approved by Insurer.
ACCIDENTAL DEATH & DISMEMBERMENT
Participants may purchase coverage in units of $50,000 up to a maximum of $500,000. No health evidence is required.
Click here to download a PDF Brochure & Application Form
Inside you'll find full Program details & information, rates and instructions on how you can quickly apply for coverage.
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