We are excited to be able to provide our clients with Canada's first Wait List Insurance,
one of the most innovative and exclusive products on the market. Also known as Medical
Access Insurance, it is the affordable alternative to waiting in the public system. With
this coverage, you can get the treatment you need in weeks instead of months or years. You
won't be forced to put your life on hold, or face the prospect of months of pain, lost
income, restricted mobility or reliance on the help of others. In the most serious cases,
this coverage can mean the difference between recuperating and a return to an active
lifestyle, or living with the constant worry of not surviving long enough to receive
treatment. Wait List Insurance provides a choice.
Originally developed as an executive benefit, this plan is available for both individuals
and groups. For employers, it is an affordable addition to an existing benefit plan, or a
stand alone benefit for companies or small businesses without benefit plans. Studies
indicate that the productivity and bottom-line results suffer when employees become
unavailable or restricted in their activities while waiting for medical services. Wait
List Insurance provides an affordable solution to potential labor shortages due to illness
As a policyholder, if you have an appointment to see a specialist or for diagnostics or
surgery more than 45 days from the date of your doctor's notification to you, this policy
will expedite your diagnosis and treatment in the United States or Canada, when services
||Did you know?
times for a Heart Bypass are in excess of 1 year
wait time for a CT or MRI scan is 3 to 6 months
||You could wait
more than 2 years for a Hip or Knee Replacement
Ref: The Fraser Institute; Dec 2007
You can select
a doctor and/or hospital from a list, and the insurer will schedule appointments,
coordinate the required surgery or diagnostic procedure and make any travel arrangements
if necessary. Imagine your peace of mind in knowing that you will receive the timely,
premium health care you deserve, provided by the leading physicians in their field using
the finest state-of-the-art facilities.
Plan Highlights of Wait List Insurance
Coverage is provided for approved consultation, diagnosis and surgery when a plan member is placed on a medical waiting list longer than 45 consecutive days. Once approved, services are expedited. You do not have to wait 45 days for treatment to begin.
covers the cost of pre and post surgery specialist consultation, diagnosis (i.e., MRI and
CT scans) and surgery, including approved travel expenses.
is no deductible or co-payment required. The insurer pays the costs directly to the
medical underwriting or evidence of insurability are required.
conditions can be covered once the policy has been in effect for 24 consecutive months.
of the art diagnostic equipment and operating rooms.
travel expenses are covered including approved companion travel expenses.
second opinion for covered conditions.