Accident and Sickness Insurance
Accidents and illnesses happen, period.
A&S is the perfect supplement to any health plan and OHIP, as it DOES NOT coordinate with other benefits. It is also an affordable alternative to those who cannot or simply do not want to pay the price point of a traditional Health/CI/Life Insurance policy.
A&S pays for every day spent in the hospital, recovery days as per policy limits, as well as reimburses for medical equipment – even if already covered by OHIP or a private health plan. Qualifying claims are paid out in addition (yes you can “double dip”).
If eligible, the core products cover ANY accident and sickness, as long as hospitalization occurs in Canada or USA. There are NO exclusions for accidents from high-risk occupations (construction workers, mechanics, nurses, firefighters, truck drivers, etc.) or high-risk activities (such as mountain biking, bungee jumping, etc.). Only caveat for the Sickness plan is that for pre-existing conditions, coverage begins after 2 years of purchasing the plan – which is still a win for those who are at risk due to family history or already require frequent medical care.
Outpatient A&S plans are also available for incidents where hospitalization is not required (surgery, physio, etc.)
Please contact me to inquire further.