Coverage that goes above and beyond for those unanticipated events and expenses

Available as an optional add-on to any HSA or EHB, Excess Medical coverage assists plan members with uncovered, unanticipated expenses that are a result of a catastrophic accident, a chronic medical condition, or a critical illness.

Available for our pre-negotiated low monthly premium of $20 for families and $10 for single Members, this option will provide assurance if something happens at home or on the road. $1M, 60-day emergency medical travel coverage is included. 

For enhanced travel coverage, you can combine this with our Group Travel.

Covered expenses include:

• Semi-private hospital room differential
• Nursing
• Prescription drugs
• Ambulance transportation
• Paramedical services
• Accidental Dental
• Durable Equipment

Coverage amounts – Medical

Excess Medical coverage goes way beyond what would be available in your HSA or EHB. When the going gets tough, Excess Medical could pay for $250,000 in expenses!

• $2,500 annual deductible for all expenses - For each injury or sickness, you pay the first $2,500 of expenses out of pocket (but this can be reimbursed through your HSA!)

• $25,000 annual maximum per expense category - For each expense category you’re eligible for $25,000 of coverage each calendar year

• $50,000 lifetime maximum per expense category - For each expense category you’re eligible for $50,000 of coverage

• $125,000 annual maximum for all expenses - For each injury or sickness, you can claim up to $125,000 in a year for all expenses combined

• $250,000 lifetime maximum for all expenses - For each injury or sickness you can claim up to $250,000 for all expenses combined

Coverage amounts – Travel

The Travel portion of Excess Medical takes care of unexpected medical costs while out of the province.

• $1,000,000 lifetime maximum
• 60 day per trip coverage
• No deductible
• Travel assistance service included

Includes:

• Ambulance transportation
• Return of vehicle
• Meal and accommodation
• Family transportation and accommodation
• Repatriation (return of body)
• Dental injury to a maximum of $2,000
• Hotel convalescence to a maximum of $1,000

Eligibility

Permanent employees who work at least 24 hours a week on average and are under 70 are eligible.

There’s no enrolment medical underwriting required (so you don’t even have to bother learning what that means, woohoo!).

Dependants are eligible for coverage too. That includes spouses and children under 21 (under 25 if they’re hitting the books at post-secondary education).

Some exclusions for pre-existing conditions

Like most insurance policies, Excess Medical has an exclusion for pre-existing conditions. It’s intended for unanticipated expenses after all, not known conditions.

Benefits won’t be paid for claims related to an injury or illness where medical advice or treatment was required (or should have been sought) up to two years before coverage was in place.

Likewise, the Travel portion of coverage won’t cover expenses from conditions where the Plan Member received medical advice or treatment up to 6 months before coverage was in place. The exception is chronic conditions that are under treatment and stable.

The fine print

Our Excess Medical coverage is underwritten by The Wawanesa Life Insurance Company. As always, please get in touch or review the benefit booklet for all the finer points about coverage, eligibility, and claims.