enVia Hybrid Critical Illness Insurance Program
So that you can concentrate on what's really important - getting better.
Introducing the first Critical Illness program to offer BOTH immediate reimbursement for medical & life expenses PLUS a conventional Lump Sum Benefit after 30 or 90 days.
It is not uncommon for a CI claimant to go into debt to cover their unanticipated medical expenses while serving out the 30 or 90-day waiting period in order to receive the lump sum payment.
We don’t think that’s right. In response, this new program was developed to provide immediate financial relief as it includes coverage for items such as Ambulance, Drugs, Hospital Accommodation & Parking Fees, Private Duty Nursing, and Childcare while the covered person is going for treatments. Should the covered person not survive the waiting period to qualify for the lump sum benefit, the medical expenses incurred would still be reimbursed.
Key Features:
- Individual program available to both Canadian residents and those on expatriate assignment.
- Unique $25K + $25K or $50K + $50K matching hybrid benefit.
- Simple underwriting consists of approval of a short-form health statement.
- Designed to cover the key critical illness conditions that make up over 85% of the total CI claims in Canada today.
- Many Group CI programs include from 3 to 30+ conditions, most of which are not “life threatening”. The enVia Program covers the eight conditions that most Canadians are concerned with as potentially impacting on their lives.
The enVia Individual Hybrid Critical Illness Insurance Program provides up to $100,000 coverage for 8 covered conditions! It has been designed to provide a combination of immediate reimbursement of eligible medical expenses incurred as the result of a newly diagnosed covered critical illness; followed by a lump sum payment (after meeting the survival requirements of 30 days, except for cancer where it is 90 days). Pre-existing conditions are excluded.
Covered Critical Illness Conditions:
Alzheimer's Disease
- Benign Brain Tumour
- Cancer
- Coronary Artery By-pass Surgery
- Heart Attack
- Major Organ Failure Requiring Transplant
- Parkinson's Disease
- Stroke
Eligibility:
The coverage is available on an individual basis (subject to approval of a short-form health statement) up to an entry age of 60 for non-smokers, and age 50 for smokers. Coverage is also available to a participant’s spouse, and ceases at age 70. Group quotes are available to groups of 10 or more.
Non-Smoker rates are applicable to persons who have not smoked cigarettes, Cigarillos, Pipe tobacco, Marijuana, Herbal Tobacco, Electronic cigarettes or have used snuff, Chewing tobacco or any form of nicotine products (patch, gum) within the last 12 months.
Unique matching hybrid benefit:
$25K Medical Expense Reimbursement + $25K Lump Sum Benefit
or
$50K Medical Expense Reimbursement + $50K Lump Sum Benefit
A. Medical Expense Reimbursement:
The Program provides reimbursement at 100% of eligible expenses to a maximum of $25,000 or $50,000 CDN per covered illness (an amount equal to the principal sum selected). Coverage is in addition to any group or individual health program that the insured is covered under and includes:
- Surgical and Medical Services directly related to the covered Critical Illness
- Semi-Private Hospital accommodation and other inpatient services and supplies
- Diagnostic Procedures – Medically necessary diagnostic procedures related to a covered condition
- Medical and Surgical Referrals – when required
- Other Medically Necessary Services, Supplies and Prescription Drugs related to a covered Critical Illness, including:
- Private duty nursing at home;
- Ambulance;
- Hospital Parking Fees (for policyholder or immediate family members only while undergoing treatment); and
- Child Daycare Expenses for dependent children < 14
B. Lump Sum Benefit:
The $25,000 or $50,000 CDN lump sum benefit matches your chosen Medical Expense Reimbursement, and is payable after the qualifying survival period of 30 or 90 days has been confirmed. The Lump Sum Benefit can be used in any manner by the claimant.
Option A: $25,000 + $25,000
$25,000 Lump Sum Benefit (plus $25,000 Medical Expense Reimbursement
Option B: $50,000 + $50,000
$50,000 Lump Sum Benefit (plus $50,000 Medical Expense Reimbursement)
Get covered today!
Download a PDF Brochure & Application Kit